Date Received: 2023-11-16
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am writing to express my deep dissatisfaction with the recent outcomes of my applications for a business line of credit with Chase Bank. I applied for this financial product on two separate occasions and, unfortunately, received denials for both applications. After the initial denial, I took proactive steps to address the concerns raised by the bank regarding my income and contribution to the business. Despite making the necessary adjustments and providing additional documentation, I regrettably received a second call a month later, conveying the same results. During these discussions with XXXX XXXX and the underwriting team, I explained that, as a retired military personnel, I do not receive W2s. However, I assured them that my income and credit score are more than sufficient to meet the requirements. I have diligently provided the bank with income verification letters to substantiate my financial position. Unfortunately, it seems that the underwriting team is unwilling to acknowledge or recognize my income, raising serious concerns about the fairness and transparency of the evaluation process. My primary concern is the inconsistency between the bank 's acceptance of my applications over the phone on both occasions, only to be followed by subsequent denials. If I did not meet the qualifications for any of the business products, it begs the question as to why my application was processed over the phone in the first place. At this juncture, I am left with the impression that the denial may be more rooted in redlining based on demographic factors rather than a genuine evaluation of my ability to repay or my qualifications for the business line of credit. I find this deeply troubling and contrary to the principles of fairness and equal opportunity. I am reaching out in the hope that we can address these concerns promptly and transparently. I kindly request a thorough review of my applications, taking into consideration the provided income verification letters and my overall financial standing. I believe in the importance of fair and unbiased lending practices and trust that Chase Bank shares these values. I appreciate your prompt attention to this matter and look forward to a resolution that ensures equal treatment and opportunity for all applicants. Thank you for your time and consideration.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XX/XX/2023 I received an alert that a new credit line had been started in my name, I also received a letter from JP Morgan Chase that I had been denied a new line of credit. I had not initiated any new credit or applied for a new credit card. I made calls to XXXX XXXX Chase & put freezes on all XXXX of my credit reports as well as fraud alerts. We recently moved & I believe someone at the apartment complex we were at previously used my information to try to get a credit card in my name, as they would have had access to my information & the mailboxes to be able to receive a card had Chase provided a new line of credit.
Company Response:
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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: In response to CFPB complaint XXXX in which Chase alleges they neither confirm nor deny the phone conversation with demonstrably false lies made by Chase representative in a phone call XX/XX/XXXX. This is evidence of further Chase misconduct. Chase bank is concealing its misconduct by implying phone calls with them are not recorded for quality purposes even though I *never* opt-outed of recording my phone calls for quality purposes. ( 1 ) Why is Chase not able to confirm what its own Chase representative stated to me on the phone dated XX/XX/XXXX. Even worse, XXXX a more senior representative from JP Morgan Chase Executive Office XXXX extension XXXX failed to provide me his promised follow up phone call after his initial call on XXXX XXXX XXXX informing he receiving my CFPB complaint. XXXX promised a follow up call at conclusions of investigation. He never called. My position remains that chase representative explicitly promised she would ask merchant to give me refund. My further position is my current chase account states we resolved your dispute yet I have not received any credit. ( as attached ). ( 3 ) How can a dispute investigation be completed in less than 30 minutes after a phone call on XX/XX/XXXX. Chase is aware of its wrongdoing here because Chase is in possession of all timestamps of my phone calls and email ( s ) received relevant to this complaint, chase is intentionally ignoring the timestamps for the purpose of denying wrongdoing and evading culpability. As alleged, and re-alleged, Chase is preventing me from opening any dispute towards the quality of the aformentioned service.
Company Response:
State: NY
Zip: 111XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Checked my XXXX XXXX and noticed UNAUTHORIZED INQUIRIES ON MY REPORT
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I received a letter from Chase stating that an application for a new credit card was delayed due to accuracy of the information. However I did not apply for a new card. I called Chase and they were able to mark the instance as fraud, close the application, and will be setting alerts for any future inquiries with my name.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, I was scammed by a car dealer. I made a transfer for the purchase of a XXXX XXXX car from the USA on XX/XX/2023. from XXXX, the office of XXXX in XXXX. After sending {$3000.00} to XXXX XXXX XXXX XXXX XXXX they sent me an invoice that is missing the VIN number and engine number, shipping document and tracking number. Kindly track your shipment : XXXX XXXX XXXXXXXX Tracking number : XXXX They asked me to transfer another {$1700.00} to them for insurance and other expenses. In XXXX they are under the name XXXX XXXX, and I was chatting with XXXX XXXX. I sent a request for the return of the transfer from my bank XXXX XXXX XXXX but so far there is no response from JP Morgan Chase Bank . I would appreciate it if you look into this case and find out who is behind this scam.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 my checking account was charged several time from the companies XXXX XXXX in XXXXXXXX XXXX and XXXX XXXX XXXX XXXXcommerce in Texas. The amounts charged to my account totaled {$1700.00}. I contacted my bank ( Chase Morgan Bank ) on XX/XX/2023 to report a fraudulent claim. It was investigated and denied. The reason for it being denied was originally determined confidential and I could not be told over the phone. I called again and asked for the reason to see if another person might explain it to me. They stated that they had sent out fraud alerts to both my email and via text message regarding the amounts charged to my card from these companies, and that I had authorized them. This is untrue, I have no emails or text messages from chase regarding these charges, nor did I authorize them. I explained that this was incorrect and the investigation needed to be redone. They stated the only way they could reopen the investigation was if I sent in further proof. I wrote them a letter and sent all texts and emails I have received from Chase Bank, none of which alerted me to these fraudulent charges. I have yet receive any more information on my investigation or receive any money back from the bank.
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 I called XXXX XXXX at the following number : XXXX. It was not XXXX XXXX but a scammer. The person told me I have fraud on my account in the form of XXXX gift cards and a XXXX XXXX. They told me to go on my bank at Chase and place a gift card in the amount of {$400.00}. They said to go on XXXX and do the same. I downloaded a XXXX XXXX XXXX too. Chase called me about XXXX hours later on the {$400.00} scam. They blocked the transaction. Once I got home from work Chase bank shut me down from having access to my accounts. I called and they added an extra layer of protection on the bank accounts. They told me to change the password on my XXXX and to read the identity theft information they provided. I began to work on freezing on the XXXX credit bureaus and reporting fraud to the government. I shut down XXXX XXXX, XXXX and XXXX. I changed passwords on bank accounts and added XXXX protection.
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Just got got fraud alert on my XXXX account and on XX/XX/, I received a message saying my information was exposed to the XXXXXXXX XXXX and I had a alert for a inquiry to chase bank
Company Response:
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I never opened an account with Chase. And I receive letters from jp Morgan chase bank said I own they XXXX dollars. So I check my XXXX XXXX, it shows I have XXXX chlosed accounts with the company but I never apply for it
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A