Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I would like to request a verification of record that the address showing on this statement is my correct address. If you can not provide a statement that matches the address on my credit report, please delete this account immediately under the FCRA. Also, please delete any duplicate addresses reporting on this credit report.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal RE : Adverse Action Dear XXXX I, the consumer and natural person was denied credit by Chase when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the ECOA and TILA which is codified in ( 15 U.S.C 1691c ) and is pursuant to civil liability under ( 15 U.S.C 1692k ). You are subject to criminally liability for violating ( 15 USC 1691 ) as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of ( 15 U.S. Code 1642 ), ( 15 U.S.C 1681m ) and ( 12 CFR 1002 ) because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX. If XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ). I will also follow up with an invoice for said violations ( { XXXX } per violation ). Thank You, Last Name : First -Middle / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.
Company Response:
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone applied for a Chase Sapphire Credit Card online and it wasn't me. I received an inquiry notification from a credit monitoring service. I called Chase to tell them the application was fraudulent and they declined it. They will not give me information on the credit application or ip address. I been targeted before by family members before for credit and Im trying to determine who applied for it. They will not give me that information.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Purchased with Chase Visa Rewards for an XXXX purchase on XX/XX/2023. I used {$71.00} worth of earned rewards points. When the order arrived, it was damaged. Instead of replacing it, XXXX required that I return and re-purchase it. I was going to have to wait a ridiculous " XXXX business days '' for my refund, in the XXXX century. I have done everything expected of me, through this process, yet I am now faced with the unrealistic expectation of waiting until XXXX for Chase to restore my balance. In the XXXXt Century, this should be a matter of a couple of keystrokes- considering that there is a trail which shows the order, return, and receipt. I want, simply, my {$71.00} restored to my points balance, immediately. I do not intend to make additional purchases and go further into debt for something that was initially purchased damaged.
Company Response:
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ok quick prequel ; My home was broken into, burglarized and vandalized in the final days of XXXX this year. Dealing with the criminal process and our legal system has taken us to now, where my mortgage is in arrears, my gas is now actually shut off and the electric will be disconnected this week if I can not bring the account to current. Now I knew that I would have money coming to me from the insurance claim and eventually lawsuit and also am seeking funds from the XXXX Victims assistance program. Much to my dismay and in contrast of my recent trend of luck, XXXX handled my claim at lightning speed and issued payment within just days of getting to meet with the adjuster and going over all the damages. The checks were delivered to my home on Saturday XX/XX/XXXX and I immediately went to a Chase bank branch that was still open figuring that it would be way to get the payments in my account and available the quickest, and I also hoped or thought I would be able to cash at least some portion of the check right then so I would have some funds immediately available. Upon walking in I was greeted as always and explained what I needed to do and that my paramount concern was that I needed money IMMEDIATELY. I did ask if it was better to do a mobile deposit or through the teller, also mentioning that I could have had XXXX direct deposit it into my account. The check was for the amount of {$20000.00} made out solely to me which I endorsed on the back and it was from XXXX XXXX XXXX XXXX OH, and this is what really has me dumbfounded, from their JPMorgan Chase Bank , N.A . business account!!! I was told that I could not cash it and I do wonder why that is. Before he put it through I asked very clearly when it would be available and restated my concerns of needing funds available immediately. The teller told me that there was no way he would be able to tell me that until it was printed on the receipt. I reluctantly said ok and he put it through and the receipt printed and showed that the funds would be available on XX/XX/XXXX, and this was done on the XXXX, so almost a half a month! For lack of strangling a bank teller I politely said thank you and went out to my car scream and immediately called Chase customer service and explained what all happened and what could or would be done to get me funds immediately available. I was transferred a couple times finally to speaking with some specialized team that the lady assured me that the funds would be available Tuesday the XXXX, which again I had to unhappily accept and after getting off the phone with her, had to call my wonderful retired mother living on a fixed income to beg her for a loan to try and mitigate some of what was about to happen as payments needed to be made. Now the XXXX or whatever I had spoken to told me that if the funds were not released on Tuesday to call back so when I checked the status online yesterday they had gone from " pending '' to specifically " on hold '' so furious and outraged I immediately called back. After beginning to lose my temper with the first person I was again quickly transferred to some specialized department, who I do believe tried very hard to help me but still the outcome, completely absurd and unacceptable and in the end leaves me hog-tied with blinds on in a dark corner left for wolves. The issue apparently is that they can not verify the check and that the check was made for me, I think I guess? I was on the phone with this patient XXXX woman for a little more than an hour I believe, she had to put me on a pretty long hold a few times to try and gather information or verify information. Now what I can not understand is that there is ABSOLUTELY NO WAY I can help make this happen, and don't understand how that can be so! I have ALL the paperwork right next to me while I'm talking to her. The claim, the adjusters contact info, my insurance info and anything else you could possibly need or want involving the case, claim or payment! No none of that can be accepted because it has to be THEM that gets it and provides it. I said I could surely get corporate XXXX to contact them to verify whatever they needed, again no it doesn't work if Nationwide contacts them directly because it needs to be a Chase agent or representative that uses one of their verified routes of communication to verify things. There is absolutely no way at all I or even XXXX apparently can do anything to remedy or even just expedite whatever asinine and archaic process this is that I'm stuck in. She had explained that such a hold had been placed on it that there was absolutely no way to lift it until it goes through it's process so basically I'm stuck until the XXXX now. During this wait already, my checking account is now - {$310.00} negative, surely would be more but I know at least XXXX payments have already been returned which of course causes me to be charged a fee from that end. My gas is shut off now as we go into the winter cold. To add insult to injury my checking account that should have a balance of over {$20.00} grand, but instead is negative and therefore accruing overdraft fees now! Furthermore, since now I can not pay my mother back the {$1000.00} she loaned me her account could potentially ending being over drafted! All this over Chase not accepting a check made out to a long time customer from a Chase business account, that I have made very clear just how desperate I am for this money as ALL of my cash was stolen, my locks were compromised as well as my camera and security system, all of which is waiting on this money to be restored, and now I have a house with no heat or hot water and no way to do much cooking! I want to make very clear, being that I keep mentioning XXXX, that this is in no way at all against them nor caused by them. XXXX really was on my side this time! JPMorgan Chase Bank is the antagonist here and as it's the biggest bank on the planet, it's becoming clear to me, it's also one of the greediest and least empathetic. I also want to mention this is only part one of my insurance settlement. The other check is for almost {$24000.00} but is made out to me and my mortgage company that I haven't called yet to figure out how we go about doing that, and now I'm thinking it will be in opening an account at another financial institution. In the screenshots I uploaded check out the one where they state the reason for the hold is that they need more time to retrieve the funds from the issuing bank... .which is THEM! My mind is truly blown.
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, our business sent an international wire transfer to a XXXX supplier as an invoice payment for business equipment. I confirmed the account number with XXXX sales representative from their company on different online XXXX to make sure the account number provided wasn't fraudulent. The supplier notified me that they haven't received payment yet on their account. On XX/XX/XXXX, I contacted Chase to verify the status of the wire transfer and they told me it was completed. They provided me with a tracking number ( TRN ). After some online research, there might be payment mid-routing issues or the beneficiary bank might have rejected the payment due to incomplete information. When adding a recipient on Chase 's website, XXXX XXXX is an optional field, but on their " Wire Transfers : Country-specific Code & Formatting Guide '' XXXX file, it says " XXXX XXXX '' is required. We are worried that some required information was missing and caused the payment to be stuck.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: First Republic was bought by chase and in process of managing my mortgage I was informed Chase retained personal information as well as login information from over 10 years ago. This was at no point disclosed to me. Chase has indicated this is their process and have no duty to inform clients of such. They have further indicated that as this is their policy they have done nothing wrong and have no duty to inform if there are data breaches or other concerns with the retention of ones information.
Company Response:
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Chase Bank offered online debt disputing and is now violating the terms of service by discriminating against individuals who actually successfully use the service by blocking the use of the the ability to make an online dispute. Chase Bank has also made it very difficult to dispute a debt online making it next to impossible to refute a charge, by trying to trick the consumer into make a statement that would deny the claim. Chase Bank has partnered with XXXX, with XXXX XXXX and can not make a determination in online disputes regarding XXXX XXXX as there is a conflict of interest between XXXX and Chase Bank.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: I lost my phone. And there were unauthorized transfers from XXXX on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. I talked to my bank snd they denied my claim. And told me that these transactions ate not unauthorized. The amount total of unauthorized transactions is {$1300.00}
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Since XXXX, I have been a loyal user of the XXXX debit card. I have adhered strictly to all the banks rules and have not engaged in any unusual activities. On XX/XX/XXXX, I received an unexpected email stating that my phone had been deleted for use with XXXX XXXX, followed by my account being locked due to alleged unusual activities. I was unable to access any of my accounts and immediately contacted customer service for clarification. To my dismay, I was informed that the bank had decided to close my account and discontinue my access without providing any specific reasons. I was told that my account was in the process of being closed and would be fully closed by XX/XX/XXXX. A check with my remaining balance would be mailed on XX/XX/XXXX. However, there was no guarantee that I would receive the full balance in my account or a timeframe for receiving this check. This situation is extremely distressing, as all my savings are in this account. I have rarely used this card recently, with the only significant transaction being a few XXXX dollars transferred to a friend. As a recent graduate from XXXX University preparing to relocate and start my career, this abrupt and unexplained action by the bank has placed me in a difficult position. I feel powerless against the bank and am earnestly seeking assistance through this complaint. Request : XXXX. I request that my account be reopened, given the lack of clarity and justification for its closure. XXXX. If reopening the account is not possible, I urge the bank to ensure the timely return of my full account balance.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A