Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I looked on my XXXX XXXX account and saw hard inquiries from different companies that I've never heard of and definitely didn't authorize to pull my credit. According to the FCRA these unverified and unauthorized items must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rest are my open accounts. Thank you!
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On Sunday XXXX XXXX I contacted chase bank regarding an email for accounts I did not have, I reported my identity was stolen and this is not me. They told me they closed and flagged all 5 accounts they found. Then Monday XXXX XXXX I received another email stating they mailed out a checking card. I again called and they refused to help me over the phone because i couldnt verify my own information. I again told them it is fraud I called the day before. They refused to help me. I went into a chase bank branch with my id begging for help. The lady told me she closed and locked the card,, she flagged everything and printed off the information for me to file a police report. I went to the police station filled my report same day. Then Wednesday XXXX XXXX I received another email stating my credit card is now over the limits. I called again to fraud, customer service where no one would help me. I attempted to go back into the branch and was told by the manger they cant help me because its 30 min before closing. I asked her to please look and see if the account is up, I came in on Monday it took the girl 5 min to pull it up and print the info and show me. She refused to help saying its so close to time. I dont know what else to do. Chase bank refuses to help me.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Without any notice, Chase suddenly closed my 3 personal cards and 5 business cards this morning ( XX/XX/2023 ). I was on a trip and a Chase card was all I had in my wallet, so it was incredibly inconvenient. I called to ask for the reason, and was told to go to branch. I went to my local branch, but the representative there spent 30 minutes on the phone and said he could see no reason either. I'm very confused about what is going on. I'm really hoping this can be fixed in some way. I have been a Chase client for many years and have always paid my balances on time and in full.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I got this credit card flyer, I applied for it I was denied, I do not know why I was denied when I keep so much balance in my chase business bank account after I was denied. I received another flyer
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My number ends with XXXX not XXXX, I even contacted all of my XXXX, XXXX, XXXX and requested for copy of my report and it shows my correct number on file which is XXXX. I can supply my reports for evidence if necessary, I DO NOT own any number ending in XXXX only XXXX They ( J.P Morgan Chase ) are contacting a number that is not in service... I provided my correct number and it shows in my Credit reports & Consumer reports so I do not understand how I am not being contacted Once Again I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with JP Morgan Chase Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I spoken with live agents at XXXX, XXXX, and XXXX and they have confirmed. I have even got my XXXX consumer report delivered I AM Providing my report as evidence
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a coupon for Chase email with an offer for {$300.00} for opening a Chase Total Checking account, {$200.00} for opening a savings account, and {$900.00} for doing both. I opted to do the {$300.00} checking acct. The green button said Open an acct and states Coupon code applied when you click open an account. For the {$300.00} checking offer it asked for any direct deposit to be added to the account. I signed up XX/XX/24 and made a direct deposit XXXX, XXXX, and XXXX XXXX. I reached out to support starting XX/XX/XXXX as I did not receive a bonus for the first deposit XX/XX/XXXX. The representative stated the code was not on my acct and could not be added after 21 days. This is not true because the link stated coupon code was automatically applied when going through the link. I then called the chase telephone line and the representative stated they can see the coupon but i'm not a new customer and escalated to his supervisor. The supervisor confirmed that is not true as I have not had a checking account over 2 years and that I was eligible as a new customer and had made proper direct deposits and that they would escalate. A representative called back XX/XX/XXXX and inquired about the account and I gave info about not being customer over 2 years and said he will escalate and call back. No one called back. I reached out the next week and an agent said the ticket was open and to just wait. I followed up again today because no one has called and the agent said the agent closed the ticket XX/XX/XXXX even though he said he was working on it and would escalate still because I had not been a member and was looked at as a new member. Used {$300.00} Checking promotion/ Satisfied direct deposit Have not had a checking acct over 2 years Chase is not holding up on their part of the deal to pay bonus. I was mislead with opening acct. I was told by the supervisor I was in the right from Chase because I was a new customer because of time since last closed account, I used the promo. and made a direct deposit. They have since lied to me and not honoring agreement set.
Company Response:
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a complaint regarding Chase bank not following the Card Act. https : //www.consumerfinance.govXXXX My latest statement had a balance of {$12000.00} with a minimum payment of {$290.00} I had a balance transfer with a 0 % promotional rate and deferred interest that is set to expire on XX/XX/XXXX with {$3100.00} remaining. According to section 1026.53 ( b ) within the last 2 billing cycles the payment : The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; I made a payment of {$3500.00} on XX/XX/. Subtracting the minimum payment of {$290.00} that would leave {$3200.00} to be applied to remaining balances. This amount should have covered the entire balance of {$3100.00} that was subject to deferred interest before the rest of the payment would be applied to my main balance. I contacted Chase and they told me they applied the excess payment to the highest interest rate ( purchases ) instead of following the card act and applying it to my deferred interest offer balance that had less than a month left. This leaves me with a balance subject to deferred interest within the last 2 billing cycles even though I paid more than the required amount and Chase should be following the law.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received a letter from JP Morgan chase that they were closing my active checking account with XXXX dollars in it on XX/XX/. I went to bank to close account ahead of this date and have been told that I am not allowed to remove my money without permission from their corporate office. We have been waiting for approximately a hour to get clearence. Looking online I have seen over twenty references to a similar issue with chase in the last two weeks none resolved. No large cash transfers have occurred recently but I have bought a new car and motorcycle and wired money to those dealers. I have access to my account online and in person on my debt card but have only bought lunch since then. If they close my access to this account I will be unable to pay bills or buy food until this is resolved because I have had the same single checking account for the last 20 years. The branch manager information is below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone number XXXX XXXX
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB card services XXXX I did not make this inquiry. JPMCB CARD SERVICE ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Company Response:
State: IL
Zip: 62703
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A