Date Received: 2023-11-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Had a hard credit check out on my XXXX XXXX account. Someone has applied for a new chase credit card using my information.
Company Response:
State: CA
Zip: 93940
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This credit card was applied for without my knowledge, It seems my identity has now been compromised/ stolen. I am not sure where it was stolen from. I want the impersonator to prosecuted to the fullest extent of the law, which is why i asked the company to provide me the Name, Phone #, Address, and IP Address the electronic Credit application was submitted from so I can file a police report with the correct information to press charges against this individual. The company declined to provide that information to me, i am not satisfied with that response as it is my identity that has been compromised with out my knowledge.
Company Response:
State: SC
Zip: 296XX
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: On XX/XX/2023 JPMCB CARD made unauthorized hard inquiry to my credit report
Company Response:
State: VA
Zip: 246XX
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: This complaint is to ensure that Chase Bank ensures proper handling of an unauthorizedcharge in the amount of {$1000.00}. I reported the unauthorized charge on Tuesday XX/XX/XXXX to Chase Bank but have not receiveda credit to my bank account in accordance withthe Fair Credit Billing Act. I never swiped my card with the merchant nor signed any invoices or received any receiptsto confirm any charging to mybank account. We were supposed to completea business transaction but unfortunatelythe company failed to complete delivery and they did not respond to me. I am no longer interested in doing business with thiscompany and the charge posted to my account is a legally unauthorized charge.
Company Response:
State: TX
Zip: 77433
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX JPMCB Card Services made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. XX/XX/XXXX, a credit card was taken out fraudulently in my name at XXXX XXXX XXXX. The account was closed and charged off {$640.00}. XXXX has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. XXXX XXXX Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you XXXX! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!
Company Response:
State: WY
Zip: 82070
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: OK IN XXXX I OPENED AN ACCOUNT WITH CHASE AND YOU HAVE TO FUND THE ACCOUNT BEFORE THE 30 DAY MARK AND I HAD NO WAY TO DO THAT SO I WENT TO A BRANCH IN XXXX GA AND THEY STATED THAT I WOULD NOT BE ABLE TO OPEN A NEW ACCOUNT UNTILL I SPEAK WITH THE FRAUD DEPARTMENT THATS WHAT THE MANAGER SAID SO I DID IN XXXX I DECICED I WANTED TO OPEN A CHASE BUSSINESS ACCOUNT AND I SPOKE WITH SOMEONE REGARDING ISSUES WITH THE APPLACATION ISSUE SO I SPOKE TO THE FRUAD DEPARTMENT
Company Response:
State: SC
Zip: 29910
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 using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Hello, I had a credit limit of {$40000.00} dollars and I got an XXXX Notification saying my credit score took a hit due to one of my card limits getting decreased significantly to {$30000.00}. I have my personal checking, savings account, home mortgage, additional checking account, a custodial account for my daughter and I have XXXX credit cards with JPMorgan Chase. It doesn't make sense to me how they lowered my credit limit because I make my monthly payments on time and I pay more than the required payment amount. I would appreciate it if you can look into this because my credit score decreased by XXXX points overnight which isn't fair at all. I appreciate your help and support. Warm Regards, XXXX XXXX
Company Response:
State: CA
Zip: 95377
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: Managing an account
Subissue: Banking errors
Consumer Complaint: I have submitted a complaint to the NY XXXX, after which I received a call from a certain XXXX XXXX, she said she would call afterwards which she didn't, then I tried to call her XXXX times and couldn't reach her. The biggest problem is that my account was closed and my debit card is not working.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I entered into an agreement with JPMCB regarding an outstanding debt I owed on a credit card. The card was opened on XX/XX/XXXXXXXX and closed in XX/XX/XXXX. The agreement was to settle the outstanding balance of {$3000.00} by forgiving {$1900.00} reducing the outstand amount to {$1100.00} if I fulfilled a payment plan. The payment plan was scheduled for 8 monthly payments in the amount of {$130.00} and and final payment of {$79.00}. I paid the first payment on XX/XX/XXXX in the amount of {$130.00}. I made additional payments as follows : XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$590.00} * I have filled my part of the agreement but, JPMCB refuses to update the outstanding balance to {$0.00}. I request that JPMCB be directed to update the balance with all the three major credit bureaus or have the entry removed all together. I have tried to dispute with the credit bureau but JPMCB keeps submitting false information to the bureau. *Paid off early
Company Response:
State: WY
Zip: 82001
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: 2023-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is JPMCB - CARD SERVICE with XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1200.00}. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Company Response:
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A