Date Received: 2023-11-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Chase Saphire credit card and was offered a primotional credit of XXXX points if i spent XXXX in 90 days. I signed up and was approved for a XXXX limit. I spent the XXXX minimum within XXXX of receiving the card in XXXX, well within the 90 day window. Chase only credit led my profile with XXXX points instead of the XXXX promotional offer. I contacted Chase and they instructed me to upload my personalized offer letter and they couldn't research it. I was able to find the offer letter and upload it to my profile. After several exchanges with Chase, no explination has been given of why they're denying my XXXX points ( XXXX offer - XXXX given ) and have stop reaponding to any requests from my side. I filed a complaint with the XXXX and they still said they won't honor my personalized offer but will not give and informatuon as to why. All I would like is the XXXX bonus points that was offered to me as a signup bonus.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: To the CFPB I'm submitting this complaint against Chase Bank NA, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. I was not aware of a legal action against my person back in XXXX This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at Chase Bank. I need a full investigation on my behalf. I'm over 55 years of age and considered a senior citizen. This account was never validated. Under federal laws, I need all documents when this account was open. I understand that Chase Bank closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account. 1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from__________ to? 6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state. 11 ACCOUNT # ___________________
Company Response:
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: This case is complex and this is an update. Our data was stolen and used to open a fraudulent bank account to facilitate a fraudulent merchant account causing our data to be placed on the XXXX list for XXXX XXXX identity Theft. XXXX XXXX caused the XXXX. JP Morgan Chase opened the fraudulent bank account using our data. XXXX opened the fraudulent merchant account verified and confirmed identity theft placed the XXXX. XXXX XXXX was later aquired by XXXX. XXXX admitted and disclosed. XXXX XXXX obstructed. JP Morgan Chase obstructed then admitted. XXXX is assiting after aquisition. JP Morgan Chase is obstructing after admittance. There are several new storys breaking weekly which contain XXXX victims of JP Morgan Chase. This case is relevant to those victims. JP Morgan Chase was also part of the XXXX scandel. JP Morgan Chase is closing customer accounts and blaming them for fraud, terrorism, laundering, and human trafficking. We are not a customer of JP Morgan Chase and they are opening fraudulent bank accounts for fraud, terrorism, laundering, and human trafficking then blaming the victim using SARs and the XXXX as a weapon. They choose their victims based on color, gender, political, religion, etc. This action will freeze the person or business and financially destroy them. This document is an update and complaint. The Florida attorney general has been contacted, local police, FTC, and other deparments prior.
Company Response:
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have several credit cards with Chase. Two of these cards end in XXXX and XXXX. I make my payments online every month and have never been late making a payment. However, during the past several months it has become increasingly difficult for me to make my payments online because Chase has been making it almost impossible for me to login and make my payments. Chase has a very difficult system to use and even after many attempts which have resulted in my being locked out of my account, unable to make a payment. To add insult to injury, I am using the correct login password, account name, and whatever additional password they require for me to login to my Chase accounts. It is difficult to determine if these increasingly difficult payment roadblocks are intentional or not. However, I often have to spend an hour trying to login to my credit card accounts. This is not only customer-unfriendly, it is also unnecessary. I have other credit cards where I never have this problem. Perhaps Chase is creating this online obstacle for online payments in an attempt to generate late fees, discourage customers from having online access to their credit card accounts, or for some other undisclosed reason. That being said, paying my Chase cards is becoming a time-consuming burden that is making it difficult, and in some cases impossible for me to pay my Chase credit cards online. This must stop!
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Around XX/XX/2023 a check in the amount of {$20000.00} was deposited via ATM and credited to my daughter 's checking account. ( I'm a signer on the account ) This transaction occurred in XXXX XXXX, we were XXXX miles away at our home. Three days later 3 separate withdrawals totaling {$3700.00} were withdrawn via XXXX. On the same day the bank realized the {$20000.00} check was fraudulent and debited the account causing it to be overdrawn. None of these transactions were done by my daughter or myself. Her accounts were hacked. I called the bank and alerted them. I was told that because her p i n was used the transactions were considered legitimate. XXXX was also contacted with no resolution.
Company Response:
State: CA
Zip: 95240
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited a couple paychecks to Chase through my mobile checking account and forgot to sign the back of the checks in XXXX. 2 out of 6 checks were past 6 months so Chase put a hold on my account and the funds. I went to my local branch and several other ones near me to try to get them released. They tried to verify the number linked to the XXXX with no avail. The owner of the checks- my boss- went with me multiple times to Chase to verify the checks and confirm they were not fraudulent. Chase refused to release the funds even though the owner provided proof of ownership of the XXXX under the XXXX and stated they would only be able to release the funds once they got the correct phone number and called it using " their '' system. Despite the phone number we gave them being attached to the XXXX name of the business with the same address as the XXXX on the check, Chase has refused to release the funds. The funds have been pulled from my boss 's account and has been held and not been released for 2 months.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I checked my credit score and seen that it dropped, I had an inquiry from JPMCB. Someone applied for a credit card in my name.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: * On the 7th of XXXX I took a check I recieved from XXXX XXXX XXXX ( retirement/ stocks dispersment ) for {$85000.00} to chase Bank to be deposited * At that time I opened a new checking and savings account CHASE CHECKING ACCT # XXXX *I was informed it could be 7-10 business days for the check to clear * On the XXXX of XXXX my account with chase showed available balance of {$85000.00} and went to bank and withdrew {$5000.00} from a teller because I did not yet have ATM card. *about a week later I went back to chase Bank to withdraw some more money from my account and told chase had closed my account and no further info and when I asked about my money told would have check sent to house in 10 business days. * at this time and for about 3 more weeks account showed as still open on there telephone system. * called many times in those 3 weeks always being told when account processing completed closing chk would be sent. * went down to Bank branch and was told there they were still trying to verify funds on the check and couldn't send check for balance on account until then. Stated they couldn't find verifiable phone number for XXXX XXXX. and gave no further info * went back to bank branch told same info and tried to provide them with multiple numbers for XXXX trust from bank statement and official internet site for the business told those numbers didn't matter because not verified phone numbers in there system asked what can be done they must have something set up to handle this situation and they told me there is no policy for next steps for them to get a phone number and that I needed to have the owner of XXXX XXXX call from a verified number and verify my check. HOW A PERSON IS SUPOSSED TO MAKE THE OWNER OF SOME BIG COMPANY MAKE A PHONE CALL FOR THEM they didn't know but told me it's what I needed to do. TO ME THAT SEEMS PRETTY IMPOSSIBLE!! * SO to me I feel like they stolen my money when I talk to XXXX trust they say that the check shows as already cashed in there system * but chase claims it hasn't been cashed even though how did I have available balance of XXXX and withdraw XXXX if the check wasn't cashed. * and I know they are allowed to close an account at anytime but they should have to give a person there remaining balance and my account said balance was XXXX before they closed it * they refuse to give me a new check or even return the old check * also side note they had no problem cashing a check for {$74000.00} + from same company 1 year before no issue with verified phone number or anything I FEEL LIKE I AM IN A HELL LOOP AND GETTING NO WHERE I JUST NEED MY MONEY AND CHASE WONT HELP ME TO GET IT BACK FROM THEM
Company Response:
State: WA
Zip: 98022
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CHASE BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHASE WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CHASE IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CHASE HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CHASE HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CHASE HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT WHILE OBTAINING MY CREDIT CARD NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CHASE HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CHASE HAS VIOLATED ME WHILE OBTAINING MY SECURITY, CHASE HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute the validity of this account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : JPMCB Card Services As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A