Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to bring to your attention a matter of significant concern regarding the accuracy of information reported on my credit file with XXXX. I have diligently attempted to rectify discrepancies in the reporting through various channels, including multiple submissions to the Consumer Financial Protection Bureau ( CFPB ). However, despite my efforts, the inaccuracies persist, causing substantial harm to my financial standing and opportunities. The accounts in question are JPMCB CARD XXXX and JPMCB CARD XXXX I wish to emphasize the gravity of my situation and the adverse effects your inaccurate reporting has had on my life, particularly in the areas of housing and credit applications. Despite my persistent attempts to address and correct these issues, XXXX and XXXX, in collaboration with JPMCB CARD, has consistently verified inaccurate information through the CFPB dispute process. I have noted discrepancies in the reporting across different credit reports, specifically in the " Date of Last Activity, '' " Date Reported, '' " Closed Date, '' and " Last Payment '' fields. The varying information on my XXXX and XXXX credit reports raises serious questions about the accuracy and reliability of XXXX 's investigation process. I believe that such inconsistencies directly violate the principles of fair and accurate credit reporting. I am seeking an immediate removal of the inaccuracies from my credit report based on the violations outlined in this notice. The persistence of these inaccuracies has not only caused financial injury but has also resulted in repeated denials for housing and credit opportunities. I appreciate your prompt attention to this matter and expect a timely and thorough investigation into the inaccuracies reported on my credit file. Please consider this notice as a formal demand for corrective action, and I trust that XXXX will take the necessary steps to rectify this situation promptly. I filed cases with the CFPB regarding this on XXXX to both XXXX and XXXX and both parties verified the items in question although they are clearly reporting inaccurately according to FRCA law. Thank you for your cooperation in resolving this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX
Company Response:
State: IN
Zip: 46311
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card on XX/XX/23 and got denied. The credit card was Chase Freedom Unlimited. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Company Response:
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I've been trying to get my life back on track after being laid off from work due to my company closing after covid. This lay off hit me hard because I was also dealing with health issue, was in and out of the hospital, and was not able to get right back to work. I would like to get myself back on track so that I can move forward in life with my health and my credit score. And I know that these negative reporting are not helping and are a defamation of my character. In accordance with the Fair Credit and Reporting Act my creditors are violating my rights under 15 USC 1681A ( section 604 A Section 2 ) which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B- a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I found several unrecognized payments from my saving account on Chase bank. I immediately call my bank when I found out this problem because I think thats a fraud, I called the bank customer service last XXXX ( XX/XX/2023 ). They said will send me a result by email in XXXX days. But I called them again today ( XX/XX/2023 ). Then they said can not guarantee that how long I need to wait. I called them 3 times but still no any updates, just let me wait.
Company Response:
State: NY
Zip: 11204
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: Unknown inquiries on my credit report
Company Response:
State: TX
Zip: 77375
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 a transaction of the amount of {$1100.00} was charged in my Chase Credit Card account. After investigation, I come to find out that the charge came from XXXX. an Online Cellular company service with whom I also have service with. I reached out to the company to understand the charge, and I then found out that a new line was created in XXXX and that a new phone was also purchased. I Informed XXXX that I never placed the order and that this is not mine and demanding refund of the money. XXXX refused stating that i received the device that was ordered and shipped to my address. I contacted my credit card company : Chase and opened a dispute. Chase issued a temporary credit then reversed the credit 2 weeks later with no valid reason of why they reverse the charge. I reported a fraud since I never ordered the device, I never received a device, and I never have an account with on that specific order. Visible also confirmed that they closed the order and account as soon as i reported fraud to them. It seems that chase never investigate the claim not attempted to go thru the report to get the true understanding of the matter. I am demanding a refund of the charge, {$1100.00}, on the basis, that I never processed this purchase which I reported as a fraud to both companies. Chased also acknowledged the fraud and issue a new card but never work on addressing the case as it should. Regards,
Company Response:
State: GA
Zip: 30228
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Over the summer, I received an offer to sign up for the Chase XXXX XXXX XXXX XXXX XXXX XXXX. My name is XXXX XXXX and I have a strong credit score and I am a long time XXXX XXXX XXXX The offer included a bonus of XXXX miles and XXXX XXXX XXXX XXXX, and expired in XXXX XXXX. I have been able to sign up for the card and get the XXXX XXXX, but NOT the XXXX XXXX XXXX and I feel that I have received a Bait and Switch offer. With an annual fee of {$520.00}, this is not a cheap credit card. Here is what happened, trying to get a response from Chase has been difficult, they have failed to meet several of their own deadlines. I have enclosed a copy of of this offer that I received to this complaint, and I have also enclosed a record of the communications that I have had with Chase via the Chase secure message center. Note that I have also made multiple phone calls, spending several hours trying to chase this down. As I indicated, I feel that I have been the victim of Bait and Switch tactics. XXXX, XXXX : Received offer for XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX upon meeting the spending threshold. XXXX XXXX : Using the link provided in the offer, I signed up for the card. I did not see the exact offer I received in the mail, so I called XXXX to make sure it was still valid and that I could still get the offer. XX/XX/XXXX : I called on XX/XX/XXXX at XXXX and spent exactly XXXX minutes on the phone with the Chase phone representee. The agent instructed me that likely a mistake had happened in the system and that I should sign up for the card and then once I met the criteria, call back and request the offer. I felt that response was strange, and I explained that I felt that was a janky solution, but the rep assured me that it happened frequently and was no big deal. He also indicated that calls were recorded, so there would be a record of the call. I am happy to submit these phone records, but also understand that Chase saves these phone calls as well. It was a male that I spoke with. XX/XX/XXXX : I wasnt sure about the information that I received, so I called back and decided to ask the same question. I called on XX/XX/XXXX at XXXX and I spent XXXX minutes again on the phone with the Chase rep. This time it was a women, and she told me the exact same thing : Sign up for the card, then make a request for the missing points once I met the spending criteria. XX/XX/XXXX : I received my cards in early XXXX and quickly met the criteria ( I will spend {$150000.00} a year on my card ). I therefore called on XX/XX/XXXX to ask for the missing PQP points. I was told that it should be a big deal and I should expect the points soon. XX/XX/XXXX : A few days later, I received a note in my account saying that I was not eligible for the offer, with no further explanation nor details. This was directly contradictory to the offer I received, and the information that the ( XXXX ) Chase phone reps gave me. I was very frustrated and called back and asked to speak with a XXXX. The date was XX/XX/XXXX and the call was at XXXX. At that point, I was told to upload the offer that I received via the Chase App, which I did. I have since received several messages via the Chase secure message center, some of which are conflicting ( see attached ). But the worst part is, I still have heard nothing and have no resolution. In a message dated XX/XX/XXXX, I was told We are working with XXXX and have submitted your account for review..and Please allow up to 30 days for resolution. 30 days have passed and I have had no response. In a message received on XX/XX/XXXX, I was told You should receive a response within 5 days. It is XX/XX/XXXX and I have received NOTHING. In a message received XX/XX/XXXX, I was told your previous message is being reviewed No response to that one either. I have attached these communications and highlighted the important facts. Please see attached. Please note that I am simply asking for the XXXX XXXX XXXX points. I did receive the XXXX points, BUT NOT the XXXX PQP that are stated in the offer. This has been a very frustrating and I hope that Chase has not pulled a Bait and Switch on me, especially given the multiple times I have tried to ask questions and fix the problem. Call me anytime on my cell at XXXX.
Company Response:
State: CA
Zip: XXXXX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a Credit Card offer from Chase. In this offer, if I refer a new customer to chase who subsequently signs up for and obtains a credit card, I will be given XXXX, XXXX miles to my Southwest Airlines account I referred XXXX XXXX XXXX for a credit card using the special link provided. This business signed up for a credit card and was given a card. Both individuals and business cards apply to this offer. The business signed up and was approved on XX/XX/23 ( offer end date ) and was given and used the credit card. The business is in good standing. I am attaching the credit card offer and the letter of denial from chase on XX/XX/23. I note that the offer says
Company Response:
State: MD
Zip: 21209
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Today is payday, which is the XXXX and XXXX of every month. I have direct deposit. I picked up my pay check that shows direct deposit but the bank doesn't have it. They don't know what happened. I got hung up on by the representatives 3 times.
Company Response:
State: CA
Zip: 94806
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: On XX/XX/2023 I got a call from Chase Bank about a charge that was being made and did I authorize it. I said no and then they said that they would cancel my card and reissue another one. It turned out that they were scammers and were spoofing the phone number of Chase Bank. They had a lot of my current information and sounded legit. I gave them the info they requested. The next day when I checked my accounts they had withdrawn twelve- {$100.00} withdrawals and two- {$40.00} withdrawals from my checking account and two- {$100.00} withdrawals from my savings account for a total of {$1400.00}. I immediately called the Chase fraud department and they said that I made the withdrawals. I said I didn't and after some research we found that they used my XXXX XXXX to make the withdrawals from the info that I gave them. After going back and forth with the fraud department they said that they weren't going to refund any of the money and rudely hung up on me. I called them again and said that the {$200.00} from my savings account showed being refunded and they said it may be refunded. Well, a few days later they did refund the {$200.00} in my savings account. So why did they refund it to my savings account but not my checking account? I thought there was some federal law that they have to return my money. I did contact the bank the next day and after the scammers took the money out of my accounts but gave up not knowing I may have some recourse but finally decided after doing a lot of research to contact the FDIC for help in this matter. Thanks, XXXX XXXX
Company Response:
State: AZ
Zip: 85024
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A