Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED. I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Chase for account ending in XXXX. I have no records of signing with my wet signature to authorize the account ending in XXXX. I never received the true invoices signed under penalty of perjury confirming Chase provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Chase for the account i.e. 1099 0ID, 1096, INC, PRC and 1099. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-2 ( A ) ( 1 ) 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. THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a XXXX cardholder with Chase. Chase sent me a targeted offer for {$85.00} credit with staying at XXXX XXXX. I stayed at XXXX XXXX during offer period and charged stay to my Chase XXXX card. I have called Chase multiple times to try to get them to give me {$85.00} credit and each time I have been run around. First customer service rep said he couldn't help me, he didn't have the tools. Second customer service rep said first customer service rep was wrong, the problem was " coding '' on Chase 's side and I'd get credit. Weeks later, when I didn't get credit, I called and third customer service rep said previous rep was wrong and what I really needed to do was start escalation. Did that, then I received nonsensical letter from Chase saying I needed to call to give them more information. When I called yet again, fourth customer service rep said I needed to provide Chase with written terms of its own offer -- good thing I had a screenshot, I pity those who didn't. I uploaded screen shot on Chase 's website -- which I could've done on my first call if Chase doesn't know its own offers. It's obvious what's going on here -- Chase has a corporate policy of misleading consumers with offers and then delaying and obfuscating to avoid having to fulfill those offers, in order to goose earnings. This is fraud, pure and simple.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Did not receive my regularly scheduled automatic deposit. This was due to ACH error but it has been a week now.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Im trying to transfer my points from chase rewards to XXXX and they dont allow me. Ive called chase more than once they said it has to be done by a specific department manually and its been over a week and nothing happened! Ill probably going to lose the opportunity to book the XXXX XXXX with points all because of this delay coming from chase. Terrible customer service.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check at Chase Bank into my business account. I deposited check and it cleared in 24 hours. I endorsed the back of the check with my personal signature instead of my company name. Because of this error on my part, the bank that the check originated from recalled the check. My customer wrote me a new check and I deposited new check, endorsed correctly and notified Chase about the error and what was taking place. Chase Bank put a 7 day hold on this check and says they will lift the hold if they can verify the check with the check writer. They tell me their system is unable to verify a phone number for the check writer even though the customer of mine has a company website that they can look up and call the number listed on the website. Ive spent hours with Chase Customer Service and have spoken to multiple representatives in the Hold Department and I can not get a resolution. At this point I believe Chase will extend the hold indefinitely if I do not take action.
Company Response:
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The original complaint with all of the paperwork sent to the XXXX XXXX XXXX is attached to this complaint. XXXX Submitted XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX processed the claim and the funds were returned to Chase, however, Chase never returned the funds to my account and in fact closed the claim. Chase lied several times stating that XXXX never received documents to support the claim, when in fact I have a recorded message from 2 XXXX representatives that the cashier check for my claim was mailed to Chase on XX/XX/XXXXXXXX before CHASE closed the claim by mailing me a letter in XXXX AFTER they had received my reimbursement funds from XXXX. Chase Bank closed my claim and mailed a letter stating XXXX who had accepted the fraudulently endorsed check hadn't received the paperwork that was submitted to Chase. This is the paperwork attached in my original complaint to cfpa. I was told by Chase that Chase had to handle the claim with XXXX and was given copies with proof that the correct forms and documents signed by the deputy director of the Oklahoma Tax Commission and verifying the check was fraudulently endorsed was in fact sent by fax to the claims department at XXXX. I followed up myself with XXXX claims in the fraud department and was told by 2 separate representatives that that the claim was resolved and a cashier 's check had been mailed to Chase on XX/XX/XXXX. They stated on a recorded line that the cashier check number # XXXX in the amount of XXXX had been mail to Chase on XX/XX/XXXXXXXX and should have already been placed back into my business account with Chase. When I called Chase executive office I was told a different story. They agreed to reopen the claim to investigate. I am not sure, but I believe this is FRAUD to take their customer 's money and keep for themselves. I am writing to ask for your assistance in this matter because at this point I have no choice but to seek legal counsel. I have been dealing with this issue for almost a year, calling every week for the last few months. The damages to my business and personal life have been adding up and taking a toll on my health and my business is struggling due to Chase Bank after I had put all of my trust in them as a small business owner starting out. Would you be able to assist me in this matter or should I hire an attorney? It seems unimaginable that an American Citizen can't even trust their on own American Bank. Chase prides themselves on protecting your money from fraud and in fact they are committing fraud against their own customers!! I have also thought about going public with this scam because I am sure that I am not the only one this has happened to in the past. I was of course required to pay my property taxes of {$4300.00} twice or fees would continue and I would lose my house. Please help me to help myself AND American Citizens
Company Response:
State: OK
Zip: 73120
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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: I booked a round-trip flight ticket from XXXX, Colorado to XXXX ( XXXX ) XXXX XXXX on XX/XX/23 to XX/XX/23 via XXXX. I booked the ticket and paid {$1500.00} on XX/XX/23. My flight at the time of booking had three legs each way. The return flight also had three legs. XXXX cancelled two of the six flights without informing me. I contacted XXXX from the airport and received no help. I had to purchase two tickets at the airport for a total of {$390.00}. Upon returning I contacted Chase bank who issued my credit card for a charge back of {$390.00} on XX/XX/23 including receipts for tickets I had to pay for twice. I was sent a letter denying my claim on XX/XX/23 as XXXX provided proof that I was on the flight. I sent clarification to Chase that I was on the flight because I purchased the tickets again at the airport on XX/XX/23. My claim was denied again on XX/XX/23 without any explanation. I am attaching the documentation I provided to CHASE with this complaint. Please refer to Page 5 for a detailed overview of my complaint. It includes a receipt from XXXX and receipts for the flights I had to purchase again at the airport. My credit card dispute number with Chase is XXXX. Thank you.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I currently have a Chase checking account. From XX/XX/2023 till today XX/XX/2023, the institute that I bank with, Chase has been charging me overdraft fees. Chase has charged me a total of {$570.00} between the dates above. On XX/XX/2023, I called Chase to try and resolve this issue. I spoke with a representative by the name of XXXX. I also spoke with a supervisor. Both informed me that Chase takes breaks during the holidays, therefore deposits may take a little longer. I have auto pay on all of my bills, I received a deposit to cover all my bills charges On XX/XX/2023. Chase takes XXXX days to clear deposits which make my account look like its at a negative, causing for their system to charge me a total of {$34.00} dollars XXXX times of overdraft fees. I have also written a letter to Chase requesting ways of us being able to resolve this issue. I'm tiring my best to keep up with the account but with all the overdraft fees, its becoming a little harder.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Facts regarding Chase Bank improperly closing an attorney/client trust account. I called XXXX XXXX at Chase Bank 's XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX, requesting the routing number and XXXX XXXX for my client trust account that I opened with Chase in XXXX. This account is XXXX I am required to have by the Colorado Supreme Court rules and XXXX which is exempt from fees for opening because it is mandatory for my profession. In Colorado, these types of accounts are called XXXX XXXX accounts ( XXXX XXXX XXXX Account XXXX ). You can read more about it here : XXXX : XXXX I called XXXX XXXX a second XXXX on XX/XX/XXXX because I have an international client that wanted to make a retainer deposit, which requires I use my Coltaf account at Chase. XXXX days later, on XX/XX/XXXX, XXXX XXXX found the time to return my call and provided the information I requested. But when asked to pull up my account to confirm the account number, he could not locate it. So I emailed him the account information I was given when I opened the account and which is attached. Later today XXXX XXXX called to explain that Chase had closed the account. He had no explanation for why. Chase has never once contacted me to tell me the account would be closed. As a result, for at least XXXX years I have been representing to the Colorado Supreme Court that I maintain a client trust account at Chase, which I genuinely believed I did, when apparently - thanks to Chase 's crack customer service team- I do not. I asked XXXX XXXX to re-open it. He said he could not. I asked him to open a new one, and he asked if I had a copy of the trust agreement, which tells me XXXX XXXX has absolutely no idea what a XXXX trust account is. I would like the account re-opened please. Chase has no legal right to close a client trust account of a licensed attorney without notifying the attorney. Thanks, XXXX XXXX ( XXXX )
Company Response:
State: CO
Zip: 80132
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A