Date Received: 2023-11-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The charge of {$570.00} on XX/XX/XXXX, was authorized by me and done illegally. I contacted the Chase customer service and put the transaction in dispute, and changed the card at the same time.The dispute was rejected based on the fact that I had a business with XXXX XXXX IN month ago, That is true, but the XXXX XXXX tried to fix my stove months before and destroyed it and I paid {$600.00} for that. I did authorize the first transaction, but never authorized the second. I never let them charge my account the second time and I never let XXXX XXXX XXXX to store my card info.They never invoice me. They just charged second because they illegally store my card info. Chase dispute representatives explain they paid based on the fact that I had business with XXXX XXXX before, which is ridiculous and illegal. The repas advised me to put the first charge in dispute. I did, sended all docs through the chase reps at XXXX XXXX XXXX, but the dispute center never received the paperwork. Pls refund the charge, which was done illegally on my account.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for preapproval for an auto loan from chase bank in the early part of XXXX and recieved pre-approval for {$32000.00}. I shopped around and because i didn't want my credit hit by multiple inquiries I went back to Chase and applied for the car that was less than the pre-approval. I was contacted by the underwriter and provided the information about where I wanted to get the car from and all the cars details. They sent me the denial a couple days later on XX/XX/XXXX. I called when I didn't recieve the reason for denial in XXXX business days, approximately the XX/XX/XXXX and I was told that a letter was generated and sent and I swear I never recieved it. I asked if they could resend it. They said theybwould, but I didn't ever get it. I sent another email complaining about the discrimination patterns and why they are not telling me why they denied the application. I complained about excessive fees they are assessing to my business acounts and why they insist on not telling me about the denial and they responded with an email that i should call. Again they told me they were going to send the letter. They still have not now XXXX weeks later. I believe these elaborate schemes are an act to sabatage my businesses by this frivolous denial of credit. I believe that this is just another act of discrimination and taking adverse action against me before I have a opportunity to correct, but I don't know what reason they are saying. If its possible the information is elaborately schemed to damage my reputation and Chase perpetuated the slander well that should be punished and damaging me is near irreparable without time and difficulty to restore my reputation.
Company Response:
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 unauthorized inquiries were made on my credit.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I hope this email finds you well. I am writing to you today with a heavy heart and a sense of desperation regarding an incident that has profoundly affected my life. I am an XXXX XXXX from XXXX who came to the United States in XX/XX/XXXX, determined to pursue my education and build a better future. Since XX/XX/XXXX, I have been juggling the responsibilities of being a XXXX and a XXXX XXXX, striving to make ends meet and contribute positively to my community. On XX/XX/XXXX, I became a victim of wire transfer fraud, losing {$20000.00} from my Chase Bank account. Considering my background, this is an astronomical sum for me, as my family of XXXXXXXX XXXX on an annual income of just {$5000.00}. The stolen money represents a generational wealth for us, and its loss has devastated me. Despite my immediate efforts to report the fraud on XX/XX/XXXX and seek resolution, Chase Bank denied my claim. They suggested that I either approve the transaction or benefit from it, which is untrue. The impact of this incident on my life can not be overstated, and I feel an immense injustice has been done. With its {$13.00} XXXX in net profits last quarter, Chase Bank may consider {$20000.00} inconsequential, but for me, it is a life-altering amount. Could you please help me with this situation?
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: We have had a company card thru chase for XXXX yrs. We inquired two weeks ago about promotional offer at 0 % interest. They referenced our old account was not eligible and that we had to open a new account ( the business preferred card was the only one that had a XXXX offer ). We applied ( the application was on hold until they pulled my credit ). I did it on the phone with a live XXXXep. We were approved ( for orig a XXXX limit ( I then asked XXXX take he majority of our old acct limit add it o he new card limit so we could consolidate 3 other business accounts and take advantage of what chase promised thru flyers/online emails and he rep live ( 0 % for 12 months ). I called tonight and the rep told me no promos. This is going o create a fiscal hardship along with having impacted my credit where I would never had applied if no XXXX promotion
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: i have applied for credit cards and i instructed then to open the credit card accounts i have had in the past and the ones they closed without proper consent as i am the owner of the accounts and they need to reopen the lines as they are mine snd i am ythe owner and they are in breach of fiduciary duty and the more they open the credit card open ended accounts for the more they make. I am being damaged as they are not running back my revenue, interest and equity which is mine. i need these credit cards that i just applied for opened too as they are committing securities fraud and if they want to withhold my access to my credits then they need to retract all applications. They still need to refund all my unearned interest and give me my equity for the use of my applications.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2023 I reached out to JP Chase Morgan Bank. There is a business account # XXXXJPMCB CARD reporting to my personal credit. I have requested that it be removed, and have a tracking number : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy. 15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions. 604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates. Those consumer laws were violated, and I have not received anything about written instructions to furnish to my credit report. I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.
Company Response:
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX JPMCB CARD XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I had to take an emergency medical leave of absence from work for mental health reasons. This was an XXXX XXXX XXXX XXXX XXXX, so I was not able to get XXXX and insurance claims established until after I had taken the leave from work. Due to this, I have not been getting paid and have gone 6 weeks without receiving any payment. On XX/XX/2023, I finally received two checks in the mail from the State of California Employment Development Department. The first check was for an amount of {$6200.00}, while the second was {$3000.00}, making a total of {$9200.00}. After receiving these checks, my first action was to go to my local Chase branch and deposit the checks in person at XXXXXXXX XXXX on Wednesday, XX/XX/2023. I hoped this would make the funds available within 1 3 business days. On Thursday ( XX/XX/2023 ), I checked the status of the deposit and received a notification stating that the funds would be held until XX/XX/2023. I was not given this information when I deposited the checks with the bank teller the day prior. I have not had any funds for 2 weeks, and waiting until XX/XX/2023 is not feasible. If I had been informed of the hold time before depositing the check, I would have made other arrangements, as I need these funds as soon as possible. I then called the XXXX XXXX department and spoke with XXXX. This representative was very helpful. I explained that I have been completely out of funds for the past 2 weeks and currently have no money to pay for my medication, food, bills, or gas. I also shared that I had to take a medical leave of absence from work due to mental health, and this financial situation is greatly exacerbating the issues I am experiencing. I offered to provide medical documentation to verify my situation and why I received these funds from the State of California. XXXX said that this was not necessary and I do not need to provide medical documentation ; the funds will be made available to me on XX/XX/2023 since they now understand my situation. I was very grateful for his help and was instructed that if the funds were not made available to me automatically on XX/XX/2023, I would just need to call back, and the funds would be released. On Friday morning, XX/XX/2023, the funds were not available, so I called at XXXX XXXX as instructed. The agent I spoke with this time said that the funds had not been received from the State of California, but as soon as the funds were received, they would be made available to me, and I would not need to wait until XX/XX/2023 ; I would receive the funds on XX/XX/2023. At XXXX XXXX I had not received the funds, so I called again to check on the status. I was then told that I will not be receiving the funds until XX/XX/2023. After being asked to speak with a supervisor, I was informed that the money has still not been received, and I can try calling again later. At XXXXXXXX XXXX, I still had not received the funds, so I called again. I asked to be escalated to a supervisor and was now told at this time that I need to provide medical documentation, and they will then decide if they will release the funds to me early. Its Friday night, and the banks close in 30 minutes, so I can not provide this until the next business day. I could have provided this on Thursday morning, but I was told I did not need to. I am now in a very difficult situation. I was behind on bills and arranged payments for my bills on XX/XX/2023, as I was promised I would have the funds by this date. I have no money to pay for medication, food, or gas, and I am running the risk of losing services such as electricity and phone. I have no money for gas or food, so I have to sit at home and wait for the funds of these XXXX funds to be made available ; I am out of medication and can not even get this. I took a leave of absence for mental health, and I have been working to get better for the past 5 weeks. I had been making progress and felt happy for the first time in over 1 year. This situation with XXXX has undone my progress over the past 5 weeks. After waiting for 6 weeks and struggling to get by, I was finally paid for my XXXX claim, then Chase bank said they wont release the funds for nearly 2 weeks. After speaking with a customer service agent, I was assured I did not need to provide any medical documentation, and I would receive the funds on XX/XX/2023. On XXXXXXXX XXXX on Friday night, XX/XX/2023, I was then told I need to bring in medical documentation for them to even consider releasing the funds to me, and I am greatly suffering.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The lender sent me a service court document of repossession of the vehicle. Go to abandonment where I never abandoned vehicle, and I kept all payments up today.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A