Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Without my permission, or without a permissible purpose by law, the companies listed in the attachment are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed in the attached document for review or collection. Im requesting that all inquiries be deleted.
Company Response:
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I paid a lump sum principal reduction payment in XXXX. This was inappropriately applied to my XXXX mortgage payment. This inaccurate distribution has been perpetuated on the XXXX payment, the XXXX payment, and the XXXX payment despite several complaints via both email through secure messaging and speaking to Chase representatives personally on the phone. I have sent several emails stating the appropriate distribution of funds and XXXX months later this still has not been corrected.
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX a charge was made to XXXX using my XXXX XXXX account. Upon learning about the charge, we immediately called the bank. We were told a new debit card would be sent and we were to destroy the old one, which we did. We waiting and the card never came to our address. The bank out the money back in. We called the wire line and filed a complaint, nothing has come of that. Then, on XXXX, my sons account was drained at ATMs and XXXX in the XXXX are. This time I called the bank and we went in. When we went in, the banker showed us the card and the directions to reset the pin was sent to an address in XXXX that we have never seen before, and we live in XXXX. My son was with us in XXXX. We were told not to worry they closed his old account opened a new one and replaced the money. They said there would be an investigation, but that it was obviously not him. By now I had called the bank several times over, and heard many different stories. Some CSR would not talk to me because this was my sons account ( who is a XXXX ). Then on XX/XX/XXXX, the bank removed {$400.00} from my sons account. When I called in, they said the first case was closed and it looks like my son took the money. We went round and round, I talked to another person, I went into the bank, and finally called again and told someone this is fishy. The card was sent to an address that is not ours. She asked if I could prove he was not is XXXX. So on XXXX I sent over his school attendance records, the police report, and explained why I was reaching out again. Just last week, I received a message from the bank asking what this is in reference to, and for more information. I feel like this bank has someone on the inside that purposely goes after these XXXX because they are XXXX and wont fight back. The thing is, he worked all XXXX for that money. And to be given the runaround is so much more than frustrating. When we set up the account with the banker, we specifically asked for help securing his account.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Received an email stating I applied for a credit card with Chase bank. I do not bank with them. I attempted to contact Chase bank and was asked for my ssn. I contacted who I do bank with and was told it may just be a phish and only worry if a new charge shows up Im unaware of. I still am concerned and the capital one fraud check list led me to here.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The bank suddenly, without notice, closed my account on XX/XX/23 apparently because I was deemed a threat to the bank. I requested information today on how they decide when a person is a threat to the bank. However, they did not give me any reasons why. They simply said that it was a done deal and there's nothing that I can do to correct the issue. They mentioned that a letter was mailed to me on XX/XX/23 however I have yet to receive it. I have not given JP Morgan Chase reasons for this to happen. I have been a member of this bank for more than 15 years and have never had any problems.
Company Response:
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Chase conducted two hard inquires on my credit with out consent in the span of 30 days. Have since frozen credit with all three companies and added credit alerts.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Not too long ago i saw strange purchases on my credot cards that were not things i myself had purchased. So i had them all replaced and those specific purchases marked as fraud. Then on XX/XX/2023 I noticed a hard inquiry on my transunion account that I had nothing to with. It was from chase Bank who I have never used so it made no sense why i would have a new hard inquiry from them.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
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 filed a dispute with Chase Bank, the issuer of my credit card that I used to make a payment to a merchant. The said payment transaction was made on XX/XX/2023. I filed the dispute on XX/XX/2023. I promptly uploaded all supporting documents on Chase 's website demonstrating the assurances made by the merchant and their failure in delivering services at the assured quality. The Chase representative reviewing the claim called me on the phone in XXXX. It seemed like they were quite keen on summarily closing the case and kept asking for documentary evidence without providing any clarity on what was lacking in the documents that I already provided to them. Also, after spending a good 10 mins on the phone, I mentioned to the agent that I need to continue the conversation at a different time because they called me while I was in another meeting. The agent did not seem too interested in discussing the matter and instead suggested that they will close the dispute stating that the charge is valid. They suggested that I should reopen the dispute if I so wish. Now when I try to open the dispute again, Chase 's website asks me to call their customer support. This seems like a big waste of time because I have already gone through the entire process without getting any adequate support. The Chase credit card is not cheap. They charge a substantial annual fee for the credit card. So it is quite disappointing that when it comes to providing such basic service as protecting credit card customers against suspicious merchants, Chase is failing to do so.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: They had reversed some of my money without my permission now my account is ruined and it wasn't my fault they said I had disputed something on my card when I didn't
Company Response:
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: PROBLEM WITH ONLINE CHASE, JP MORGAN It is now several months during which I have tried to transfer money from my Chase account ( which give me close to nothing as interest income ) to another of my XXXX banks. At XXXX time I was able to do a transfer online between accounts without any problem but now after every attempt my account has been blocked for suspicion of fraud. While I can appreciate this safety feature, I do not appreciate having to go from XXXX department to another and being asked the same safety questions again and again ( some questions relate to my life more than 30 year ago! ) and loosing my time for nothing. The XXXX of XXXX the XXXX XXXX. told me that my account was unblocked which was not the case when I later tried to connect, so again for the XXXX or maybe XXXX time no way to reconcile my account and of course, I was not able to do my wire transfer as suggested in an earlier call. Yesterday, being very upset, I waited XXXX minutes for the employee to come back on line but without success so eventually I hung up. I AM FEELING THAT MY MONEY IS TAKEN IN XXXX BY CHASE, JP MORGAN. Hoping you can help, yours sincerely,
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A