Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The outcome of all charges left me near bankrupt and they changed me for each and every posible thing and i do not think thy acted fair and a refund of some charges to me as a person with a XXXX is fair.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed errors on my consumer credit report. I have made several contacts since XX/XX/2023 with JPMCB CARD regarding this commercial account several times. JPMCB CARD has been reporting this account to my credit report as an Individual account. This information is inaccurate. In accordance with the Fair Credit Reporting Act, JPMCB AUTO has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a- Definitions ; rules of constructions- Exclusions- Except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. An illegal reporting account that has numerous violations According to the Fair Credit Reporting Act. JPMCB CARD : Account number : XXXX. According to the Fair Credit Reporting Act 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. Notice, it is a fact, that JPMCB CARD affiant is aware this reported information is only information based solely on transactions and experiences between Someone else, the consumer, and this { JPMCB CARD }. This is a violation of 15 U.S.Code 1681a ( 2 ). I never consented my information to be shared on my consumer report nor did I get consent to this account as a joint account. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as XXXX, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) I never signed a contract and JPMorgan Chase has failed to properly show proof of proper debt validation in their following decisions is also a violation of 15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. it is a fact, the affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made { JP MORGAN CHASE } aware of, prior and continued failures of reasonable procedures as seen in Exhibit. The affiant has reason to believe and do so believes due to { JP MORGAN CHASE } business practices, { JP MORGAN CHASE } actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called credit bureaus and informed them their are inquiries i dont recognize would not remove without removal letter from the companys, companys could not provide info because there is no account open
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/XXXX I file a XXXX XXXX petition in case number XXXX in the northern district of Illinois and XXXX JPMCB Card services account # XXXX was listed in my petition and was discharge on XX/XX/2023. JPMCB CARD Services unlawfully requested my credit report from XXXX on the following months. XXXX XX/XX/2023 without my permission and out permissible purpose in violation of the Fari credit reporting Act 15 U.S.C. 1681 b ( a ) 3 ( f ) ( i ) .on XXXX XXXX I received a letter from Chase that those are soft inquiries. those inquiries where violations under the XXXX XXXX Bankruptcy stay and discharge .please review the letters to JPMCB Card services. and the XXXX XXXX discharge order.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit for a {$15000.00} check from XXXX XXXX XXXX on XX/XX/XXXX. Chase bank tried calling XXXX XXXX to try and release the funds sooner but XXXX XXXX would not give them information to release it. I can not understand why it takes XXXX DAYS to release a check? My money is floating and not getting paid interest and it feels wrong. XXXX a bank make AT LEAST the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. And shouldnt the rest of the deposit be available on the second business day? XXXX days is outrageous with the technology that we have in todays world. This feels very shady and very illegal.
Company Response:
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone had used my information to apply for a JPMorgan chase credit card on XXXX XXXX.A hard enquiry was made on my accounts.i want it removed.i reported to transunion and I put freeze on my account.
Company Response:
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Chase United Explorer card featuring now baggage fee for card holder and 1 extra passenger if booking with the card for trips. I have done so and got charged twice for a round trip when I checked a bag for me and a bag for my wife. I have called in to ask for refund, XXXX XXXX XXXX XXXX XXXX can only do it for me for one trip but not the returning trip apparently due to the flaw in their system. The agent said she can not do it and I have to got to some website to do it self serviced. I declined to do so and insisted they should refund me but this never happened.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have had my chase freedom card since XX/XX/2022. I have been on time with my payments. I had a payment on XX/XX/XXXX which I had missed because I was going through a hardship. I went to schedule my payment of {$80.00} which is due on the XXXX of XXXX on Friday XX/XX/XXXX I got a phone call from an XXXX number from chase it asked me to enter my 16 digit account number. Which I didnt because I wasnt sure if it was legitimate. I tried calling chase and i was on hold for 20 minutes. This morning I got a call from a number XXXX. And it is from chase card services. I called XXXX and I spoke to agent who told me her ID number and said that my account is 9 days past due but I have already scheduled a payment of XX/XX/XXXX and the system doesnt have a way of stopping calls. I am aware that it is past due and I already have the payment scheduled for XX/XX/XXXX. I would like chase to cease and desist. I do not need stress when I am getting back in my feet financially.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX XXXX pm. I deposited cash into an atm. It was all XXXX but I was not able to count how much there was, it was below XXXX bills though but more than XXXX. I put in the cash and the ATM took a long time loading and then an error screen came up. The atm shut down, and printed out a receipt, but it did not count how much money I put in. I called the claims department on the receipt the machine printed, and they gave me a XXXX dollar claim since thats what was settled on the amount. On XX/XX/XXXX, they took away the claim and when I called they said they closed the case after 2 thorough investigations. I went to the branch on XXXX XXXX XXXX XXXX IL to speak to the manager and see what my next possible steps are. The manager was absent today but the claims department told me to contact XXXX to attempt to get the footage myself. However when called, they said it would be better if chase called for their machines.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Title : Request for Letter of Indemnification to Assist with CFPB Case RE : Closed CFPB Complaint with JP Morgan Chase Bank XXXX XXXX XXXX Dear Chase Executive Resolution Support Team, I hope this message finds you well. I am writing to seek your assistance in a matter that has recently been escalated to the Consumer Financial Protection Bureau ( CFPB ). As you are aware, my business account with Chase, which is now closed, was involved in a complex situation relating to a wire transfer to XXXX XXXX Background : As part of the resolution process for the CFPB complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been advised to request Chase Bank to provide a " letter of indemnification. '' This letter is intended to be forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to facilitate the resolution of this ongoing issue. Request : I kindly request that Chase Bank drafts and provides a " letter of indemnification '' concerning the wire transfer issue from my Chase business account. This document is crucial in clarifying the circumstances and assisting in the resolution with XXXX XXXX Supporting Documentation : For your reference and to aid in drafting the letter, I am re-attaching all relevant source PDFs that outline the details of the situation. Additionally, the account notes on my now-closed Chase business bank account should provide further context and information required to accurately reflect the scenario in the letter of indemnification. Urgency and Importance : Given the ongoing nature of this case and its impact on my business operations, I would greatly appreciate a prompt response to this request. The issuance of the letter of indemnification is a critical step in resolving the complaint and mitigating the financial and operational challenges that have arisen as a result. Thank you for your attention to this matter and for your continued support in resolving this issue. I look forward to your prompt and positive response. Sincerely, 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
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A