Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This Complaint is Being Filed Against XXXX credit reporting agency and JPMCB Card Services according to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' 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. The companies listed below are financial institutions by definition under that title. JPMCB Card Services. 15 USC 1681 section 604 a section 2 says 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 company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says 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 companies listed below ( JPMCB Card Services, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may 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 which is against the law. 15 U.S. Code 1681s2 ( 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 U.S. Code 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 are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Both my checking and savings accounts were suspended by JPMorgan Chase Bank on XX/XX/2023, and I received letters from them that my account was locked in order to protect me. I called the number on the letter multiple times, but their answer was obscured, and contradictory. In the letter they told me that my account was locked, but on the phone they told me that my account was closed. According to the contract when opening the account, I agree that they have the right to close my account, but there is no reason to delay so long and withhold my savings. Every time I called, they couldn't tell me when I would receive my funds or why. I was like a ball being kicked around by various departments.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wallet was stolen and inside my wallet was a few person items like my ID my social security card my debit cards and a few other things. I reported this to Chase bank and my claim was denied the next day. With no reasoning as to why. Since I forget everything I wrote down my new debit card pin which was inside my wallet. I just had a baby 3 weeks ago I cant afford to have money go missing. Chase isnt any help at all
Company Response:
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX imposed a 3 % fee for a money transfer. Unbeknownst to me, Chase treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to XXXX 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither XXXX nor Chase provided clear information about these charges. I argue this is deceptive for the following reasons : XXXX. Non-Disclosure by XXXX : XXXX markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that XXXX incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. XXXX. Misclassification by Chase : When a user employs a credit card on the XXXX platform, XXXX essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, Chase 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. XXXX. Junk Fees and Double Charging : If the 3 % fee charged by XXXX is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if Chase applies a cash advance fee and then also charges XXXX for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiry reports XXXX XXXX XXXX- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for XXXX XXXX XXXX from XXXX XXXX XXXX. Which knocked my credit score down. JPMCB- I have know idea who this company is or why its on my credit report.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/23 : My existing debit card number was fraudulently added to a XXXX XXXX XXXX XXXX per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware of at the time since no text alerts were delivered. Immediately a fraudulent request to replace my debit card was made per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware at the time since no text alerts were delivered. I never lost my card. A fraudulent {$1000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I was unaware of at the time since no text alerts were delivered. A fraudulent {$3000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I was unaware of at the time since no text alerts were delivered. They ultimately made the fraudulent transactions using the new card # despite my not receiving the card until a week later. XX/XX/23 XXXX : I personally became aware of a problem since locked out of my online access when attempting a routine account check and had unexpectedly received a new debit card. Made multiple phone calls, but was unable to connect with the Chase Fraud Dept since it was after XXXX XXXX XXXX. I was going to call back first thing in the morning and I was able to change my password. I had been on a silent hold for over an hour. XX/XX/23 : At XXXX XXXX XXXX while I was still sleeping ( XXXX XXXXXXXX XXXX XXXX, presumably the same fraudulent party hit again by again changing my password. Chase approved a fraudulent business account which then got linked to my username and accounts. Subsequent fraudulent actions were made draining two personal checking accounts. {$2500.00} on a different account and the account originally hit for {$1300.00}. XX/XX/23 : Upon waking up and discovered what had happened along with reading new emails, I then contacted Chases Fraud Dept to report the activity, file a claim, and attempted to take security measures. At XXXX XXXX XXXX, received a new email confirming while on the phone to stop sending text messages to an unauthorized cell # which was fraudulently added to my contact phone numbers without any alert. I ended up changing my User ID and Password this time and things were quiet for the time being. There would be subsequent unsuccessful fraudulent attempts to compromise my account which led me to terminating online access and 3 different new debit cards. They still tried hacking in leading me to change my User ID and password on two different occasions to no avail. Chase has been extremely difficult to work with despite over a dozen phone calls made plus vague denial letters.
Company Response:
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called chase on XX/XX/23 to see if I can get the pay later fee reduced due to a healthcare emergency I had experienced. I was assured that someone was going to advocate on my behalf with the company. No one ever did. My case number with chase bank is XXXX.
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: In your letter dated XX/XX/XXXX you stated after you provided proof that you had acquired insurance coverage yourself we canceled the insurance we got for you and sent any refunds of the premium you pay to your escrow account 1. Please send me a copy of the letter the insurance copy that you received showing I had insurance from XXXX through XXXX with the same company you failed to provide that in your prior explanation when doing an investigation you must supply the homeowner with the investigation the documents you acquired how you corrected your error you failed to do that in this letter dated XX/XX/XXXX you're obviously trying to avoid the obvious. Also explain why you think returning a check for {$2200.00} in XXXX of XXXX and foreclosing on the homeowner and taking their house away makes them whole. This check was payable to XXXX XXXX but you stopped payment on the check I want to know who gave you those instructions to put a stop payment on the check who the check was issued too I want a front and back copy of the check to see who benefited from my money You violated the law because you had 30 days to do the investigation come to a conclusion tell the homeowner you made a mistake and correct the escrow account you chose to break the law and wait five years the homeowner suffer because you failed to follow the law? 1024.35 Error resolution procedure Your servicer must generally confirm it received your letter within five business days and respond with an answer within 30 business days.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am the lawfully executed Attorney in Fact of my father. Via a signed notarized and witnessed durable POA. They denied the document during their " document review '' process and will not allow me access to the account
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I was due to be paid via direct deposit on XX/XX/. Chase Bank has continually said they do not know when the funds will be posted to my account. I have chased them everyday since Friday XX/XX/, it is now XX/XX/ and no one from Chase Bank can give an estimated date of when the funds will be posted to my checking account. They also have not once reached out to me via email or text to update me as to the status of my numerous enquiries. Chase Bank instructed me to visit a bank branch if I am charged late fees on bills due. This will affect my credit score as well. I am very disheartened and will close my account with Chase Bank, after being a customer for 30 years, for their complete unaccountability and lack of any proactive steps.
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A