Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I got a chase security alert that said I was trying to send a XXXX payment of XXXX dollars to a XXXX XXXX which is my daughter, and I responded no. I went to check my account and saw that XXXX had been transferred to my main account and XXXX withdrew from account, i called the chase agent, and they said nothing could be done until the pending payment was processed, which defeated the purpose. the payment went thru and when i tried to dispute it they denied my request for a reversal i check with my daughter and she has now record of this payment and does not have an account with the bank involved with this theft.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: I initiated a wire transfer of USD XXXX from my XXXX XXXX XXXX, New York account to my JP Morgan Chase Bank account on XX/XX/XXXX. After waiting for a few days, I told XXXX that I still had not received the funds on XX/XX/XXXX. Then, XXXX sent two internal messages to Chase for a check-up but got no response. About XXXX, XXXX sent me the proof of remittance and we realized that I mistakenly put the account number for Chase off by XXXX digit. I went to the local Chase branch and told the manager the situation, and I started the recall request from the sending bank. After that, Chase informed me that the fund had been deposited to the incorrect recipient even though I provided my full name and address for the wire. Till now, the Chase wire department kept telling me that they tried to reach out the the recipient many times but could not get in touch with him. I asked by what means Chase used to contact the person, and their wire department answered they sent secure messages through the mobile app. Such a method is so unreliable that only a few people would actually look at their mobile app messages. I asked them maybe try to send a physical letter or call the person, but Chase refused. I also informed the situation to Chase Executive Office long time ago, and a representative said they hope can get a solution before XXXX. However, there is no update on the progress for 2 months.
Company Response:
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent the attached letter to Chase. I also called to try to resolve these XXXX issues. Issue # XXXX : When XXXX forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that XXXX ) shows the late payments on my credit report, XXXX ) shows my employer was closed, XXXX ) shows I acted within the bounds of the CARES Act during XXXX by calling, and XXXX ) shows payments.Issue # XXXX : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when Chase had been auto-deducting payments XXXX, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/ I booked a reservation for lodging with the XXXX XXXX XXXX, one in XXXX XXXX, AR. Once booked, I discovered that the entity that I was dealing with was a fraudulent company, charging fees 50 % over the initial lodging charge. I immediately cancelled this reservation with hotelvalues.com, receiving confirmation thereof. However, the charge totalling {$310.00} ( of which {$110.00} was a mysterious " service '' fee never assessed with a legitimate reservationist such as XXXX ). This entity, XXXX, processed the charge to my Chase Visa card despite the cancellations. I subsequently disputed the charge as fraudulent but Chase has declined crediting my credit card the {$310.00} unwarranted charge despite providing them legitimate cancellation information and documentation that the hotelvalues.com was NOT a legitimate operator for XXXX XXXX or any other hotel system.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with JPMCB CARD, I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if JPMCB CARD is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter The following inquiry must be removed immediately : 1.- Creditor Name : JPMCB CARD Date : XXXXXXXX XXXX XXXX
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: The last time I called Chase about my attempted transfer of funds, the new reason given for the blockage was that the receiving bank was blocking the transfer. The receiving bank which answered quickly to the phone and checked me also in a suitable manner denied that they were the cause. This bank could not find the transfer attempt. I am again back at the beginning of the transfer process because of not having the external account registered on my Chase account even if some of the first transfers were successful. I have spent hours with Chase going through department after department and receiving vain promises from their personnel. What is going on with this bank that they try to kidnap our savings?
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Further referencing CFPB complaint XXXX which was closed and using secure messaging or calling on the phone leads to generic responses which have nothing to do with issue and is futile. You closed the complaint XXXX stating I was ineligible for promotional rate because of me not meeting your " credit criteria ''. - Your promotional email, ( stating you are changing my slate to freedom card, without me ever asking to change the card in the 1st place, I might add ) stated I already qualified and am to receive the promotional rate of 4.99 % and there is " nothing else I need to do to receive this promotional rate '', hence why I received this email in the first place. Now in your response to the complaint you stated I didn't meet your " credit criteria '' to receive this rate, yet I was never notified that I suddenly became ineligible for this promotional rate that you stated I already was getting. Which leads to 2 apparent fraudulent practices. # 1 - since it was technically a new credit card account that you changed without asking me, CFPB states " A credit card company is generally not permitted to increase your interest rate on new transactions during the first year of your credit card account ''. Which may be negated if it is a promotional rate and doesn't fit this rule. BUT # 2 CFPB also states " ... theyre required to provide 45 days of notice before an interest rate change '' -- I WAS NEVER GIVEN ANY NOTICE, MESSAGE, EMAIL OR ANY COORESPONDENCE OF INTEREST RATE CHANGE. Even if I suddenly didn't meet your credit criteria, I still am entitled to 45 day notice of any rate change. I need further explanation of how you are able to change rates without notice even though that is illegal. # 2 - Chase changed my credit card from Slate to XXXX, without my authorization, nor request ; and furthermore I never signed, agreed to or otherwise even received any acknowledgment or even was able to read a credit card agreement ( which would include interest rates ) and full terms and conditions before they suddenly changed my card, so I would have no idea what my interest rate was to agree to or even acknowledge, except from the email sent out stating it was 4.99 % promotionally. How can I have an agreement with chase if I was never notified or made to sign or agree to anything? # 3 - You responded claiming as " evidence '' of me not qualifying for you promotional rate is that I suddenly didn't meet your " credit criteria ''. 1. This " credit criteria '' that I am to maintain to keep this promotional rate is not listed or qualified or quantified anywhere in any card documents. So essentially its a completely subjective, ie. fabricated criteria, that I am supposed to maintain, yet I don't know what I am to be maintaining?! Furthermore, your email stated I was already to get this promotional rate in your email on XX/XX/2023 when my credit score was XXXX and has been maintained in the XXXX 's range till the filing of my first complaint, so exactly when did I suddenly not meeting this unwritten " credit criteria '' even though credit score was essentially the same, and what evidence, stipulation or expectation does chase have that I suddenly one day didn't meet your criteria and therefore you can disregard the promotional rate? Because I was never notified that I stopped meeting your credit criteria, nor what the criteria even was either. Please explain these 3 issues, since clearly the 1st complaint did point out all the issues in this problem.
Company Response:
State: NC
Zip: 28012
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone is using my name and information and has opened a credit line with JPMCB OF XXXX XXXX I contacted the bank " Chase '' by phone and in person who states they see a profile created but no card was dispensed. My credit report says otherwise. a opened date as of XXXX credit limit of XXXX. To resolve this issue the account needs to be closed and removed from my credit report
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I logged into my account on XXXX checking for my deposit and if chase had posted it. At this time chase had not posted it z. I received an email at XXXX XXXX cst about my statements the account was still open but my deposit was not released around XXXX XXXX cst approximately I logged into my account noticed chase had closed my account. 20 days prior I made agreed arrangements and was informed this was okay. I called chase and they refused to release my account and funds at the account depart by phone, with the escalation department, and with the executive office. They kept telling me they were monitoring and recording my call but when I informed them I was recording also they were rude and kept telling me I couldnt record me and it wasnt allowed. Several representatives refused to assist me. I became upset. They refuse yo release my. Paycheck and then began to become argumentative which further upset me. Then then kept saying I will have to wait until the fully close my account and the. They will mail a check. I want my money today XXXX
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a {$20.00} XXXX payment from someone I don't know, XXXX payment from XXXX XXXX XXXX XXXX XXXX {$20.00} I called Chase to let them know I don't know who this person is because I was concerned it could be a scam or tester transaction, and the phone rep foolishly advised me to try and send the money back to this unknown recipient. ( This is really bad, clearly there is no training on this at Chase ). I would think this should be a Reg E situation - but I know the big banks are trying to skirt their Reg E responsibilities through XXXX. I suppose it is on this XXXX guy to file a reg E claim with his bank, but the bottom line, I have {$20.00} in my account that isn't mine and Chase 's poor advice is to " try and send it back if he contacts me. '' I'm not doing the bank 's job for them.
Company Response:
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A