Date Received: 2023-11-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2022 XXXX, XXXX JPMCB CARD POTENTIALLY NEGATIVE I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. Thank you
Company Response:
State: RI
Zip: 02905
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Slate credit card through Chase. I have been with this bank for over 10 years. I first noticed a fee of XXXX about a month ago this fee seemed to be in addition to any interest fees I might be charged. I called the bank about this charge and was told this : The fee is if you don't pay the exact monthly minimum payment and/or if you don't pay off your balance each month. I am on Social Security and because of food prices and miscellaneous expenses I have used my credit card a lot. The balance is approximately XXXX now which is far more than I ever wanted it to be. I have although been able to pay more than the minimum payment because I wanted to get it paid down. With the additional XXXX bank fee added each month it is becoming like a " Catch 22 '' situation and seems I am being penalized for paying more than the minimum payment and not being able at this point to pay off the balance. I am beginning to think the bank is making it difficult for me to get my credit card paid off. This is frustrating to say the least. My questions is, is this fair and how come they are allowed to do this? I would so appreciate a response and an explanation I can understand to why Chase bank is doing this. Thank you XXXX XXXX
Company Response:
State: WA
Zip: 98258
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I set up a wire for $ XXXX yesterday evening on JPM Chase bank checking account. This is a account that I have wired before and is not new. Every time they hold up the wire and force me to go thru " ridiculous verification process. I believe they are motivated by more then protection, holding up the money and transactions. They not only stop the wire but lock up the account as well. Then I have to make several phone calls to get the account released and set up the same transaction again. Again I have to go thru " the same process, This process is set up to be done thru " offshore support and they are very slow and useless. It takes extremely long to get anything done. This is done for my protection they say, but this excessive and delays my work. I need this to stop or they set up an proper process to verify and do it in a fair way. This needs to be stopped and they know this is not the first time it is being done as well.
Company Response:
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX. I got a call from chase bank saying there was suspicious activity going on in my account. Which there was. I was a new customer only been with them since XXXX. So I didnt know what their policies were. The days go by and I find out that all my money is gone. I tried and tried with every department but they just ended up calling me XXXX basically and said that the money was long gone. I wasnt able to get a reimbursement. Just a Im sorry.
Company Response:
State: TX
Zip: 78114
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: JCMCB Card Services denied a Chase Sapphire card and sent me a denial letter. I did not apply for this card and transunion did a verification with them. They provided transunion my info with the phone number XXXX which is not my phone number and has never been. I called that number, its not a valid number. I can not get an accurate number for JCPMB that gets me to a representative to file a complaint. Its fraudulent, was not me and needs to be removed from my credit report.
Company Response:
State: VA
Zip: 22405
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 20 separate XXXX charges made by my son ( an authorized user ) within one month on my credit account were treated as cash advances by Chase Visa, even though no cash was involved. Each charge resulted in an additional minimum {$10.00} fee even though most of the charges were less than {$10.00}. Then, BOTH the XXXX charges and the additional fees were charged daily interest at 30 % APR from the date of each charge. These are ridiculous charges and interest for fees that were not communicated based on a link to XXXX app which is not even a cash advance but is treated as such. Additionally, the Chase credit card company says they do not have the ability to set cash advance limit on my account to {$0.00} ( so such charges would be denied ) on a personal account, but could do that for a business account.
Company Response:
State: IL
Zip: 61571
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was driving when I got a cal from XXXX, the chase customer service number. The scammer on the other end sounded very professional like you would expect chase to be and they told me that a wire transfer was trying to be made on my account and he was confirming that it was me, I said no and he proceeded to say that they are going to attempt a wire reversal. First he had me confirm transactions from my account, he even told me which account number so they had my banking info. I the followed his detailed instructions which included adding a recipient which he said was the wire fraud technician and I had to give him access into my account he then had me enter in the amount that was trying to be taken from the account. This ended in me wiring {$5000.00} to them. I was driving when all of this took place so I was partially distracted and they seemed very urgent so unfortunately I was taken advantage of. I opened a claim with chase and they keep telling me it is not fraud because I initiated the transaction and they seemingly do not care. I did not give out information to them carelessly i just didnt know at the time what a wire transfer is which led me to send them money without actually knowing I was doing so.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My Chase personal checking account hacked from XXXX, FL {$2700.00} approximately. XX/XX/2023. Fully reimbursed. XX/XX/2023, also from XXXX, FL, {$2200.00} Chase debit card PIN used. I filed a XXXX XXXX, CA Police report. Chase has denied my claim. Even though it appears the same XXXX, FL involved in both hacks, fraud. Same individual. Apparently. I have never been to XXXX, FL. Know no one there. XXXX XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was presented in an email from Chase Bank the Chase XXXX credit card application ( see attachment below ) and advertisements on television like on the XXXX XXXX channel. The email I received presented this like a credit card application. After I made my first purchase, I received a payment statement demanding the entire amount of the balance be paid. There appeared to be no month-to-month payment option. On XX/XX/23 at approximately XXXX I called the XXXX number on a letter sent to me and spoke to XXXX ( ID # XXXX ) who could not respond to my card payment options problem but instead transferred from his " payments '' department to XXXX in the " customer service '' department who insisted that I be transferred back to the payments department. This kind of misrepresentation in print, email and television and inability of Chase Bank representatives to address this problem is shameful and disgraceful. These misleading and aggressive practices that I liken to loan sharking tactics. I wish to have a payment program typical of a credit card with normal and customary interest rates and terms, not the 30 % and immediate payment as imposed by Chase Bank.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A