Date Received: 2023-11-15
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: At XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023, my sister received a a call from an Unknown Name caller ( XXXX ). The caller claimed to be from Chase Bank, and wished to talk to her, she was unavailable. He claimed to have received a credit card application from someone in XXXX, North Carolina. He was trying to verify that the application was from my sister. I informed him that he should report this to a credit reporting agency. I was not confident that he had or that he would report this. I told him to cancel the card that he said was on hold. I had no confidence that he would do that. This conversation went on for 33 minutes. He got angry at my responses, and claimed he was cancelling all credit cards in my sister 's name from disparate issuing banks. I requested that they send a letter detailing the fraudulent application for credit in another state, but he declined. I requested to talk to his supervisor, he said he did not have a supervisor, so none could be placed on the call. Finally he dropped the XXXX and terminated the call. At XXXX on XXXX XX/XX/2023, I received another call from JPMorgan Chase XXXX XXXX ) from the above agent. He continued to persist in trying to talk to my sister. After he failed to get me to put my sister on the line, he asked if I wanted to speak to his supervisor. He transferred my his supervisor. I had no confidence that the supervisor has someone other than the agent using another voice. I told the supervisor that the agent was " persistently abusive '' and " used foul language ''. The supervisor hung up. Calls from Chase bank about fraudulent applications for credit cards has been ongoing to my sister 's number for several months. In the Caller ID log for the phone is another call from JPMorgan Chase ( XXXX ) at XXXXXXXX XXXX on XXXX XX/XX/2023. Preceded by XXXX calls from a Toll Free caller ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if these XXXX calls were from JPMorgan Chase or not, but I suspect they were based on prior experience with these callers. Another set of calls were recorded on XXXX XXXX XXXX at XXXXXXXX XXXX and XXXX XXXX I have confirmed with my sister that these calls are fraudulent.
Company Response:
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried using my debit card on Monday the XXXX, it was declined, I called the bank they stated that they are closing my account with no reason or explanation. I called multiple times to get this fix, its still no response. They have my money XXXX dont have access to any type of money at all. I have XXXX kids to feed and my next paycheck not until XX/XX/01. What Im supposed to do for next XXXX week without any money. Ive been very stressed about this situation. I will be bring this to social media. Its unfair and its not right. Chase bank is horrible
Company Response:
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The financial institution has reported personal information to XXXX, XXXX, and XXXX which under 15 USC 1681 ( 2 ) ( A ) ( i ) states that reporting XXXX history is illegal. In addition, these financial institutions have violated not only the Fair Reporting Act but also the Privacy Act of 1974. One of the financial institutions, SLS/FirstBank also sent a letter to my personal insurance company disclosing not only my non-public information but requested that my insurance company CLOSE my account and send them any credits that were available on my personal account. I have the right to make sure my private information is not shared which is backed by 15 USC 1601 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. SLS/FIRSTBANK is a financial institution by definition under that title. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The financial institutions never informed me of my right to exercise my nondisclosure option. 12 CFR Section 1022.3 Identity theft means the fraud committed or attempted using the identifying information of another person without authority. According to the Fair Reporting Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is now revoked. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR Section 1016.7 states that A consumer may exercise the right to opt-out at any time. I am hereby opting out of any further reporting services.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I booked flights from XXXX XXXX to XXXX XXXX through my credit card, Chase, on or about XX/XX/2023 for an itinerary of XXXX XXXX to XXXX XXXX. I paid additional funds to choose my seats both ways and selected XXXX. No where obvious did it say that I was not guaranteed these seats. I was shown a seat map, much like I would have if I booked directly with the airline, and paid fees that the airline would charge. I thought my fees being paid through Chase were going to the airline for my seats. When I went to view my travel through XXXX on XX/XX/2023, I was shocked to see I did not have seats assigned to me. I was unable to select any seats, except for upgrade seats, which were only two rows ahead of where I initially selected and paid for through Chase. I was forced to pay {$250.00} to XXXX to get guaranteed seats, as I did not want to be booted off the flight at the worst, or at best, be seated in a seat where I would be unable to sleep on a red eye and ruin the first day of visiting with family. I then called Chase who stated that those seat selections are just requests, and they charge for requests. They refused to remedy their bait and switch tactic and after searching the internet, this seems like a common situation, customers pay for seats, think they have them, then show up to their flight and do not. Chase is aware of the problem, but have not done anything to remove the feature - or at a minimum, remove the payment requirement. It is a shady tactic, and if customers were aware, they would book their seats directly with the airline. XXXX is doing this to get more money in their pocket and then refuse to do anything about. They would not even refund me the amount I spent with them. This tactic is deceitful and common practice and they are fully aware that customers are often unaware their payment for seats is doing nothing except lining XXXX 's bank account. Forums are full of similar stories. Imagine if they did this with flights and let you book the flight for the full cost through them, but not guarantee your booking will go through.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I won't put my information, but I believe it is okay to write the false information here, so I will. I received a credit card that I did not apply for. I contacted the card company and reported it. Then, I wanted to make sure there was nothing wrong with my personal information. So I logged into Chase and looked at my personal info. I saw the phone number XXXX next to the card number XXXX. I called Chase again to remove the false information from my personal page. My phone number next to my existing account was correct. But I am very uncomfortable with the false info that was on my personal page and about how Chace could issue the card without my knowledge. I also contacted the Credit Bureau 's office. We found that the office has the wrong social security number for me. I don't know why it is wrong. They had three pieces of information from when I applied for a credit card in the past, and that information was correct. But, again, the XXXX they had was not mine so it is very strange to me. I sent a copy of my DL and SSN to them by their request.
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The financial institution has reported personal information to XXXX, XXXX, and XXXX which under 15 USC 1681 ( 2 ) ( A ) ( i ) states that reporting Transaction history is illegal. In addition, these financial institutions have violated not only the Fair Reporting Act but also the Privacy Act of 1974. One of the financial institutions, XXXX XXXX XXXX a letter to my personal insurance company disclosing not only my non-public information but requested that my insurance company CLOSE my account and send them any credits that were available on my personal account. I have the right to make sure my private information is not shared which is backed by 15 USC 1601 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The financial institutions never informed me of my right to exercise my nondisclosure option. 12 CFR Section 1022.3 Identity theft means the fraud committed or attempted using the identifying information of another person without authority. According to the Fair Reporting Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is now revoked. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR Section 1016.7 states that A consumer may exercise the right to opt-out at any time. I am hereby opting out of any further reporting services.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This bank is being run by donkeys The stole {$300.00} from my account This is the transaction from my checking account ending in XXXX XX/XX/XXXX Telephone transfer to XXXX XXXX XXXX. debit - {$300.00} I never called them on XX/XX/XXXX and this stupid transaction says the transfer was done from the same account to the same account which does not even make any sense. The worst part is the idiots that are employed by this garbage bank. I have wasted 3 hours with these donkeys, they keep transferring me from customer service to claims to online claims and back to customer service. I hope all these idiots die of XXXX XXXX.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a transfer by mistake to an account that I have never had in the Chase Bank application and that appeared there and very similar to my personal account, my personal account that ends in XXXX and to the account that was sent the amount of {$10000.00} that ends in XXXX and the Chase bank says that it can not recover said amount from the other bank and I have called them on repeated occasions and they only tell me to wait and wait, until today they tell me that they can't do anything and they can't give me No information on where the money went since they deleted the account from their system and they asked me to find a lawyer to recover the money. I want to know how I can claim this amount of money since Chase Bank does not want to help me solve this problem and the bank that received ( XXXXXXXX XXXX XXXX ) says that only Chase Bank can recover it. This happened on XX/XX/XXXX I sent {$10000.00} from the Chase Bank business account to an account that I do not recognize that was in my bank application in termination # XXXX and the name of the bank is XXXX XXXX XXXX in the name of XXXX XXXX. Thank you!
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I show XXXX incorrect credit checks on my XXXX report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and I demand they be removed immediately.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: I reached out to Chase who holds our mortgage for our primary residence as we have hit a 79 % LTV and when we applied for this mortgage our mortgage broker told us we can request PMI be removed once we were under the 80 % LTV threshold as long as we were current on payments. Chase said they would send a letter within 5-10 business days with their decision. I believe their response was incorrect and had false information about our loan and they are stalling on removing the PMI as requested. They sent a letter that stated our loan was backed by XXXX XXXX and did not follow certain guidelines and did not fall under the homeowner 's protection act. When I looked this up on the XXXX XXXX lookup tool it did not state our loan was backed by XXXX XXXX, and our closing officer said it was a conventional loan. My concern is that we are being told something that might not be the case and I would like clarity moving forward about whether or not we are due to get our PMI back. I have provided screen shots of what we were told by our loan officer when we first decided to move forward with this loan.
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A