Date Received: 2023-11-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX - Phone stolen and unauthorized transaction made for {$980.00} through XXXX was made by the thiefs. XX/XX/XXXX - XXXX transaction posted to Chase for {$980.00}. XX/XX/XXXX - Claim filed on {$980.00}. XX/XX/XXXX - Claim reversed by Chase for {$980.00}.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is an addendum to a previous closed case. I do not feel the matter is closed until I am provided a tracking number with the funds.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account still open account paid off paid in full never late account good status needs to be updated with all CRAs. PERFECT PAYMENT HISTORY NO LATE PAYMENTS PAID CURRENT STATUS OPEN CURRENTLY
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased a XXXX through a XXXXXXXX XXXX. And wire transfer the money through my bank account ( chase Bank ) once I called to confirm the order with the company, I ordered from they stopped answering so I contacted the bank the second day and they claimed that they can't stop the payment
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I applied for a loan on line, I went thru every possible thing to, Taking names phone number and they even went so far as too transfer me to a loan office manager and that they were a legit certified loan company.. I never signed or the loan agreement and I have them still showing I never signed and or sent them back. The XXXX $ loan was to be deposited into my account directly and it wasn't till couple days after I provided that info. And after I didn't around mid evening, I started getting Fraud alert sent to my phone... I called Chase Bank and a lady named I believe XXXX, I don't have the phone service I changed just recently because of the month fraud out my account, I lost my car XXXX XXXX XXXX manager signed letting my car finance company XXXX XXXX know that the process takes 90 days for these payments to be put back, That never happened I just got a lie to and completely ran around to point that I'd call the bank and they wouldn't answer. I lost my car I never missed any payments even during covid. I was devastated and got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still happing I got evicted from my place I had one bed room and my housing placed said that my checks bounced.. I never paid with a check I paid cashier check from my bank and then after Money orders then they changed to payments online and I got XXXX cards that XXXX $ Was used off the cards not by me just gone and when I call the back the cards and reporting this so that they can see what happened to my money They emailed and said then pin was used and the money on my 4 cards was gone..I still have the package, receipt and the Cards that clearly show no pin was scratched off and used the card said XXXX on all of XXXX I wanted further investigation done and nothing was done on that ALSO..So I'm out of my rent payment Car and bills and I did pay up one month of my rent.. they was letting me pay because at this point I was a basket case my money gone, car gone and Now I'm homeless sleeping in a car my credit is beyond repair and I can not even get a loan at all and I've lost everything, I was told by the court and the hearing judge I would get 10 days get my stuff and move before the door got posted XXXX notice..Well I got 4 days because the owner at my housing went printed a paper and had. Courts sign paper even faster and I did not receive 10days..At that time I was in Medical leave from my Job and out money just really falling apart, No help from anyone and my GM at my Job Now has made up write ups and gave me a very bad reference to the XXXX XXXX XXXX XXXX I was trying to transfer to in XXXX FL where I had to relocate so that I had place and that fell thru and I'm now still Coming up on a month living in a car and I'm XXXX yrs old, well if I make to XXXX .my bday XX/XX/XXXX .No help from my company that has what's called XXXX XXXX and it for family 's that work for XXXX that have tragic things happen and they will help, I was told by HR my GM manager has to submit the application, And he did nothing never even tried I was told after thinking he did because he lied and told me he would look into it see what can be done..And Now also this Same XXXX won't Transfer me be cause I show these write ups.. Also after looking into another employee that had XXXX write ups Because her going to work late or excessive call outs.. I come to find out He approved a transfer for her with write ups .But refused mine..And all I'm told is by HR That their is no guarantee that I can be transferred, But I spoke to the GM at the XXXX XXXX I was trying to transfer too. And he did have work and all my GM had to do was put in my transfer, and I would come in and talk n get a schedule..My GM at my Home restaurant in XXXX XXXX XXXX XXXX called the XXXX XXXX here in XXXX and His name XXXX XXXX and told this XXXX that I have a called out a lot.. Ok I'm under so much stress no help hours cut to nothing I go from being A full time XXXX XXXX to work XXXX maybe XXXX shifts not making enough to pay anything treating me like I'm a new server and giving me small section and not setting me.I was just being kick down and because all the I'm homeless I lost everything thing in matter of months.. Took a leave from my job a Medical leave and that was denied after walking to doctor appointments in the rain heat.. And stress was over bearing at this point.. And I'm still now have no money and I live in mXXXX XXXX XXXX XXXX truck or id be in the Street.. I have went from having a XXXX $ a week job to nothing and XXXX less at this point.. I need to know how a bank a Job can just do nothing and treat me like im the bad guy..And just turn my whole life to nothing..And now because all the evictions. I can't even get a loan can't get a car Nothing I have no one that help.. my family. Well they have their own lives.. and my mom XXXX yrs old and can't answer her phone l. So I can ask her if she could just get me a loan something..Ive called here in the area I had no choice but to come too. To be told there is no help NONE. I've worked my whole damn life to have no help and I'm told over and over Sorry but here free food .How I cook that?? I don't have a place..Oh well here they give my can food and things I eat COLD!! I want justice for what I've lost and everything I have worked for my whole life.. I want help.. I need help not kicked around now by this XXXX XXXX government that don't do XXXX for the XXXX of the XXXX help other countries..What is the world coming too??? Complete poverty a recession and XXXX in the streets living in tents.. Homeless ppl I've come too know now, that fought for the freedom of our country that's homeless.. It's a XXXX Shame. Iderly ppl homeless why? Cause our Government XXXX and don't care about their own people. I will pray that XXXX Some way brings some good to this world, And all the rich how about they become homeless loss all their riches and come live in a truck and lose everything they have, my name is XXXX XXXX ..My phone number is XXXX Please if there is a person that can help me get my money and well my car gone ..but I want things off my credit, points and put back that I can get a place and not be told because my situation that can't help me..I swear I will find justice, And we are to be protected and our money and banks are not protecting our money. Chase Bank I went to them Because of they were to be best bank.. and hear all I see is how People Who Have Chase Are being Scammed and money gone.. and they are doing NOTHING AT ALL ..JUST PRESENTING LIES TILL ALL OUR STUFF IS JUST TAKING AWAY... My money I worked for gone! XXXX cards money stolen.. I'm done letting all this be sweeped under a rug and stepped on and getting no help at all.. Thank you for you time.. I hope someone reads this and I can get the help I have been seeking.. I've even tried to contact, '' '' 8 on our side ' '' Nothing back from them also..I 'm just disappointed in this so call life I've lived I'm a shame to say I live in this Country. Prayers please if we don't change. There's only gon na be more and. more what my XXXX going to have ..By time they become adults, will be a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX!! how XXXX yrs of my life I work to have gone..
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I had so far XXXX total applications for credit cards that someone tried to get without my knowledge. XXXX out of those XXXX were granted back in XX/XX/2023 chase was opened without my knowledge. I only noticed because of a letter i got in the mail, then i saw it on my credit report.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have an Amazon Chase credit card which I use regularly to make purchases and always make payments towards the interest saving balance. I received a promotional balance transfer offer for up to {$15000.00} that said 1.99 % APR till XX/XX/2024 ( and then the normal card interest rate of 24 % ) on a balance transfer ( credited to my Chase checking account ). I called Chase and asked them specifically how this balance transfer would affect my other purchases that I was making using the card. I asked specifically if I could keep using the remaining money on my credit card to make purchases ( after availing the balance transfer amount ) and if the balance transfer would in any way affect purchases. I was told clearly that the balance transfer and purchases with the credit card would be treated separately and the balance transfer would not affect the purchases. That is why I went ahead and availed the balance transfer. I also kept using the remaining available money on my credit card to make purchases as usual. Then when I got my next statement, I saw that the interest saving balance included the full balance transfer amount. I was shocked that they were expecting me to pay off the entire XXXX in a month 's time when they had actually given me until XX/XX/2024 to pay it off. at the promotional rate. I called Chase again and explained what had happened earlier and asked what was the amount that I actually needed to pay to make sure I wasn't paying the 24 % interest rate on the card. The customer care exec said if I made the minimum payment on the card then I should not have to pay interest. I wasn't really convinced with this answer and sent a secure message to Chase to confirm. I again explained everything from the start and asked them to clarify the amount I needed to pay to avoid interest ( apart from the 1.99 % on the balance transfer amount ). Now the Chase rep told me that all purchases I make after the balance transfer will accrue the 24 % interest rate. I explained to her that I had specifically asked about this before I took the balance transfer offer and that I was told my purchases will not be affected by the balance transfer. I said I am ready to pay off the new purchases that will accrue interest but I am not ready to keep paying interest. I asked them for a resolution to this since this was a clear case of financial misguidance. They gave me incorrect information, not once but twice, and now they are expecting me to keep paying all this interest because their reps are not adequately trained and don't know what they are talking about! I said if this is not resoled asap I will take this up with the CFPB. After that they stopped communicating with me. I wrote to them several times for a resolution and absolutely no response after that. They have repeatedly given me wrong/insufficient information about their financial product and now they are charging me unfairly. I would request the CFPB to please take this up with J P Morgan Chase and get me a resolution so I am not unfairly charged.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase closed my account in XXXX and said they will send the funds in check within 15 business days. It has been three months ever since that happened. I called and visited their branch for many times but they said the case was still under review and was unable to tell me when they will send me the check. Can you please help with this because I need my money back. Thank you.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 ATTN CFO NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 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 Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ). - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A