Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX. Did not try to open this card. Want to report fraud.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a XXXX XXXX XXXX XXXX into the United States on XX/XX/2023, I entered with my legal status on my passport. On Saturday XX/XX/2023, I was at the bank at XXXX to request please open an account the teller Director of the branch bank, told me that it was impossible to open because it takes over 45 minutes and she did not have time to open. She said the better way was to do an appointment or to come back on Monday morning. I went to the branch today XX/XX/2023 at XXXX XXXX XXXX XXXX after half an hour waiting the director ask me for my documentation. I showed her the required documentation, and she said it was not possible to open because I did not have the green card. I bring with me, my green card my social security document and evidence of the residence and she decided that my evidence on the passport as legal permanent resident was not my green card, and explained to her that my legal status is permanent resident and she decided to said, I do not know about this green card, she said I have to wait because she needed to call somebody else by phone. She started to see other clients and after been waiting almost two hours I have to leave the place, and she run after me outside of the bank and she said she will not open my account without any explanation. I believe she is a XXXX person, the ignorance of those managers who do not know how is the green card is astonishing, which seemed impossible to me I felt discriminated against.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On Monday XX/XX/2023 was notified by email from XXXX that JPMCB card services got a copy of my report and its and hard inquiry that I XXXX XXXX didnt approve. This is Fraud. I have report this to XXXX and Im on the phone with the card service to dispute this.
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This company has twice prevented me access to my account online. They are preventing me from transferring funds to an external interest bearing account. Their system can not verify me and I have to go to a brick and mortar facility to prove my existence. They also are using my social security number as casual identification. This should be illegal to throw around my personal data. I already verified my existence when I opened the account. I shouldn't be pestered with continual proof of my existence. Their customer service is absolutely awful. Many times I am unable to hear what they are saying, they have foreign people with thick accents that are not understandable, and flagrant insistence that they control my money and will not allow me access to my own money. This company needs to fined and pay penalties.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: send any and all correspondence between any law firm and servicer including but not limited to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any of their attorneys or any employees of that law firm or any other law firm to Chase. Include any correspondence Chase sent as a response or as an inquiry include Telephone logs, emails, text messages and any other kind of communication to XXXXXXXX XXXX XXXX or any other attorneys or any other law firm between XX/XX/2015 to present including but not limited to subpoenas summonses or responses to subpoenas or summonses
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Subject : Urgent Complaint Regarding Service Approval Delay I have diligently attempted to resolve the pressing issue at hand with XXXX XXXX. Since XX/XX/XXXX, I have made numerous calls to obtain approval for service at XXXX. To expedite this process, the service advisor at XXXX reached out to XXXX, the service manager at XXXX XXXX, but regrettably, we have encountered persistent roadblocks. XXXX, a manager at XXXX XXXX, gave me assurance on Wednesday, XX/XX/XXXX, that my approval would be granted by Friday, the XXXX at XXXX XXXX coinciding with the return of XXXX, the finance manager. It is crucial to note that my active and in-effect warranty policy, known as " portfolio protection, '' was an add-on service contract that I purchased for {$2400.00} on XX/XX/2021. This service contract has been in effect, and I rely on it for necessary repairs and service coverage. The urgency of this matter is amplified by the fact that my car was overheating, rendering it impossible to drive to the purchasing dealer. The nearest authorized service center was XXXX, which I had to turn to for immediate assistance. Despite the assurance given, it is now Monday, XX/XX/XXXX, and the issue remains unresolved. This ongoing delay has been incredibly frustrating and has caused severe disruptions in both my work and personal life. The negligence on the part of XXXX XXXX has resulted in significant punitive damages. I urge you to take immediate action to resolve this matter and provide the necessary service approval. The continued delays and inconvenience caused by this situation are unacceptable and have caused undue harm. I expect a swift resolution to rectify this situation and prevent any further damages. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Chase froze my credit card and all accounts without any notice. They also liquidated my retirement accounts and cost me early termination fines and fees without any notification that this action would be taken. Also, a safe deposit box account was terminated with only less than 30 day notice to evacuate the contents or they stated " the contents would be turned over to the state ''.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When my XXXX farm property flood in XXXX of XXXX, I never imagined that the event would drop my credit score by over XXXX points. I want to commend the FEMA agents and the employees of XXXXXXXX XXXX and XXXX XXXX XXXX for their help and support in getting me back on my financial feet. However, my experience with JPMorgan Chase is far different. The short version : After the flood, both of my banks offered a flood deferment. Things went exceptionally smoothly with XXXX : they help with paperwork, called frequently to check on the progress of the repairs, and promptly endorsed my XXXX XXXX XXXX checks without problems. XXXX holds the larger of my two mortgages for {$420000.00}. Chase, who holds a {$70000.00} second, set up one obstacle after another. I called in XXXX and tried to make a payment on the mortgage. I have never had a late payment on either mortgage. They explained I was entitled to a deferment until XXXX. Since they were holding my XXXX XXXX XXXX checks for endorsement pending an inspection ( which XXXX, the larger mortgage holder did not require ) I agreed since I had paid the {$6000.00} plus repair bills out of pocket. At this point, another tragic event occurred in an exceptionally tragic year : a close friend died of a XXXX XXXX at XXXX. Chase claims they sent a letter requiring my signature on the deferment ; I dont remember getting the letter. They stated it had to be returned by a specific date XXXX. I contacted them shortly thereafter, and they said that the deferment had not been processed and the entire past due amount was due ( these are the payments for the months following the flood. ) I tried to negotiate with them and succeeded ( see attached email from Chase ) and I thought the issue was solved. When I tried to refinance this loan with XXXX on a shorter term, I was stunned to discover that they could not offer me a loan because my credit score of XXXX had dropped to the low XXXX. I contacted Chase to have the error removed and they informed me that they did not make an error so they would not remove it. Hence, I can not refinance the loan. If this wasnt enough, I received a call indicating that they would not endorse the second XXXX XXXX XXXX check I received and submitted to them in XXXX. Again, XXXX did not require an inspection for the repairs which were completed and paid for in the XXXX. In fact, they sent a letter indicating that repairs under {$40000.00} do not require inspection. The repairs involved pouring an angled layer of concrete so that the water drained into a sump and installing a permanent pump in the sump. All repairs were completed by licensed contractors and accepted by XXXX. The basement was inspected via video in XXXX. The agent who spoke with me said that the repairs were only 70 percent complete. I received no notification after the inspection in XXXX and no description of the allegedly uncompleted repairs ; this call in XXXX was the first time I have heard that they thought the repairs were incomplete. Chases so-called customer service agents use incompetence and overcomplication as a system of harassment. Each time a customer calls in, they reach a new agent and need to re- explain the details of the case. Each call involves lengthy waits both on the phone tree and on hold as the agent tries to figure out the issue. The agents often offer contradictory explanations while pretending to be friendly and helpful. No one is interested in actually solving the problem, but in getting the customer off the phone as quickly as possible. For over a month, I have received fake calls from Chase that hang up as soon as I answer. Trips to the bank are just as fruitless. Chase seems only interested in punishing the customer for a perceived transgression of their unnecessarily harsh and complex rules. I am a XXXXXXXX XXXX citizen, aged XXXX, and getting my property repaired after the extensive flooding was both expensive and stressful. In XXXX, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, just before the flood. I lost two close friends to XXXX in XXXX. I never imagined that a federal policy for victims of a disaster would be my biggest health stressor in XXXX. Nor could I imagine that a policy designed to save my credit report during a disaster would actually damage it the most.
Company Response:
State: CA
Zip: 95301
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Earlier in XXXX I received a denial letter from JPM Credit Cards. I thought that was odd because I never applied. When I looked at my credit report, I see someone tried applying for a Chase Credit card 4 times. XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am not sure if that means someone tried that many times, or if that is XXXX and XXXX combined. Either way, I have never applied for a credit card from Chase ( JP Morgan ). I was told by XXXX to file this report before contacting JP Morgan and XXXX. Thankfully XXXX XXXX Credit Reports show how to get in contact with XXXX and XXXX. I am hoping this will come off of my report as I have worked EXTREMELY hard on my credit.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I used Chase Travel to book a flight for myself, my XXXX kids and my XXXX XXXX XXXX mother from XXXX, Arizona to XXXX XXXX, CA from XXXX XXXX using a Chase Credit Card XXXX When I booked my flight, their seat selection tool allowed me to book 4 seats together, so I chose that particular flight. After I booked my flight, I was told those 4 seats cost extra. On Chase 's seat selection tool, it did not indicate extra fees. I have a screen shot showing that no extra fees for those 4 seats were disclosed on Chase 's website. The customer service rep by the name of XXXX told me I should have gone to the airline to see that those 4 seats have fees. But why would I do that if Chase 's own website seat selection tool didn't indicate any fees and showed they were available for booking? If I had to go to the airline directly, why would Chase even have seat selection tool to begin with? I then asked XXXX to cancel my flight and refund me the money. She refused, saying that those seats are non-refundable. I then asked to speak to a manager. She again refused to transfer me to a manager. I then asked her to confirm her first name, she refused to provide me with her first name, saying that it is personal information. However, she gave me her first name at the start of the call, I was just trying to confirm. How is her first name that she already disclosed at the beginning consider personal information? I finally asked her to provide me with contact information at Chase to file a formal complaint. She again refused to provide me with contact information at Chase to file a complaint, saying that she can take down the information for me. The only thing I am asking for is to cancel my flight and refund me the cost. All of this is on a recorded line between about XXXX to XXXX XXXX on XX/XX/2023. I am only filing a complaint with CFPB because I have no other recourse, since Chase refused to provide me with contact information to file a complaint directly with them, and since the credit card used to purchase the tickets are also at Chase, I do not know if it would go anywhere to dispute the charges.
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A