Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 680XXXX. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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: Dear CFPB, I am writing to file a complaint against Chase Bank for their negligent handling of a dispute, dual charging, and misappropriation of funds. During a previous XXXX dispute, I received a free return label for one item, but the labels for the other three items were missing, leaving me with only the return address. After returning the items, XXXX rejected the return with XXXX tracking number XXXX. I requested Chase Bank to update the dispute amount, as they insisted I had not returned all items. This lack of professionalism is concerning, as each item should have a corresponding return label for proper tracking and refund processing. Currently, Chase Bank has only credited {$53.00}, while I have repeatedly asked for the full amount of {$72.00}. The bank had already charged back {$72.00} from XXXX two weeks ago, not {$53.00}. It appears that Chase is exploiting this situation for personal gain. I urge the authorities to supervise and investigate this matter. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: First complaint to cfpb : No. XXXX ; I paid off my balance minus the late fee charges which added up to {$110.00}, on XX/XX/XXXXXXXX I received my XXXX statement, payment due on XX/XX/XXXX. I called CC to discuss crediting the above amount, on the basis that : 1 ) they continue to violate 26 CFR Sec.301.7502-1 : 2 ) They state payments have a 5 day grace period and all my payments have been postmarked before the XXXX and received by them within the 5 day grace period. Yet, they continue to charge a late fee ; and 3 ) The XX/XX/XXXX statement states a late fee of {$27.00}. The XX/XX/XXXX statement states a late fee of {$38.00}. No proper Notice was sent/communicated to me prior to the increased fee. On XX/XX/XXXX, the CC, account manager, " XXXX XXXX, stated I have no right to dispute the late fees, therefore there is no procedure for disputing late fees. This is contrary to the paragraph labeled, " Conditional Payments '' on the back of the statement, in small print. Account manager gave me a " one-time credit of {$38.00} '' and I paid the remaining {$100.00}, which includes approximately XXXX XXXX, for 2 undisputed purchases. I am a XXXX citizen, living on a fixed income, paid on a specific date each month. I have no car. I have requested a change in my due date because of my once a month pay date. They have refused. It is impossible to schedule 2 rides-to my bank and to an XXXXby the XXXX, when I receive my income on or about the XXXX. I don't even have the cab or uber fare until the XXXX. So for my sake and all Seniors similarly situated, i.e : on a fixed income, please pressure ChaseXXXX to refund my XXXX XXXX
Company Response:
State: FL
Zip: 33801
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: Dear CFPB, I am filing a complaint against Chase Bank for their failure to address a dispute. Following my purchase of a phone on XXXX, I discovered it had been previously used. Consequently, I initiated a return request. The seller provided a return address but did not include a pre-paid return label. Despite numerous attempts to contact XXXX and request a return label per their policy, I received no resolution. I explained my situation to Chase, but they provided various reasons to avoid facilitating the return. They suggested I did not need to return the item, and tactics such as delaying dispute submission until 15 days later were employed. The transaction details with XXXX XXXX are as follows : Amount : {$930.00} Transaction Type : Sale Transaction Date : XX/XX/2024 Posted Date : XX/XX/2024 Chase Bank has shown a lack of initiative in addressing this dispute and has not attempted to contact XXXX for XXXX. Their attitude has been both rude and arrogant. I request authorities to oversee this matter. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase closed my 2 checking accounts on XXXX, and saying remaining funds will be sent to me via mailing check. It's been 1+ month and I've tried contact several customer representatives and no one can provide useful information & help. The remaining balance are all I have at the time being closed and this hold on my funds is extremely affecting my life since then.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Attn : Chase Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/2023, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. From your website address - XXXX XXXX XXXX Fair Lending Overview Introduction Fair Lending is the unbiased treatment of all customers when making credit-related decisions. Fair Lending laws ensure that financial institutions provide fair and uniform services and credit decisions. The fair treatment of our current and potential customers is an integral part of our overall commitment to maintaining the highest standards of corporate responsibility. This extends to every aspect of a credit transaction, including not only how we review credit requests, but also our advertising, handling of pre-application inquiries, loan disbursements, and ongoing servicing of the loan. JPMorgan Chase & Co. Fair Lending Statement JPMorgan Chase & Co. ( JPMorgan Chase ) is committed to treating all individuals fairly and equitably in the conduct of its lending businesses in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act, the Fair Housing Act as well as other factors included in state and local laws. These laws require the equitable treatment of all credit applicants without regard to race, sex ( including sexual orientation and gender identity ), color, national origin, religion, age, marital status, disability, familial status, the fact that all or part of the applicants income derives from public assistance programs or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Denying any person equal access to basic economic opportunities, such as home ownership or credit, is morally repugnant, has no place in our company, and will not be tolerated. Only through the efforts of all of us at JPMorgan Chase can we ensure that every applicant for credit receives fair and equitable treatment and that we have helped each member of the communities JPMorgan Chase serves reach their fullest potential. Fair Lending Laws/Regulations Equal Credit Opportunity Act ( ECOA ) This law affects every phase of the lending process and prohibits discrimination on the basis of : Age Race or color Sex ( including gender, gender identity and sexual orientation ) Marital status National origin Race Religion Exercising rights under the Consumer Credit Protection Act Receipt of public assistance ECOA prohibits making credit decisions or discouraging applicants, based on any of the factors listed above.
Company Response:
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: There were several fraudulent transactions on my account. The bank would not allow me to login to my account. After disputing the transactions, there is a person who interacted with customer service and asked for the disputes to be reversed. My account is not accessible by me at all, and I was chased by several XXXX XXXX females inside the bank. The bankers called police and no police arrived for a report. The transactions remained on my account and there are illegal collection activities through my phone and email address was changed to an old email for the interactions. I can not access the account or discuss the issues because of the illegal collection calls and the nature of the calls being made to my phone.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: XXXX XXXX XX/XX/XXXX The companies involved in this issue are Chase and XXXX. From XX/XX/XXXX - XX/XX/XXXX I was charged a total of XXXX transactions by XXXX to my Chase XXXX XXXX XXXX XXXX ending in XXXX that I did not authorize or receive services for. The XXXX unauthorized charges amount to {$37000.00}. These charges do not appear on my XXXX billing history or my XXXX ads accounts. During XXXX I did run ads through XXXX and the ads charges only amount to XXXX transactions and a total of {$1700.00}. These legitimate charges do show up on my XXXX billing history and are listed below. XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$400.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$15.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$400.00} XX/XX/XXXX XXXX XXXXXXXX fb.me/ads CA {$600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX fb.me/ads CA {$100.00} XX/XX/XXXX XXXX XXXX fb.me/ads CA {$240.00} The fraudulent charges that I did not authorize, did not receive service for, and do not show up on my XXXX account are listed below. XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$1200.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX fb.me/ads CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA $ XXXX BY XXXX XX/XX/XXXX & XXXX XXXX XXXX CA $ XXXX BY XXXX XX/XX/XXXX & XXXX XXXX XXXX CA {$900.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$1000.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$600.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$400.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$250.00} XX/XX/XXXX & XXXX XXXX XXXX CA {$170.00} XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA {$120.00} XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA {$50.00} XX/XX/XXXX & XXXX XXXX XXXX CA XXXX XX/XX/XXXX & XXXX XXXX XXXX CA {$50.00} XX/XX/XXXX XXXX XXXX XXXX CA {$35.00} XX/XX/XXXX XXXX XXXX XXXX CA {$25.00} XX/XX/XXXX XXXX XXXX XXXX CA {$15.00} XX/XX/XXXX XXXX XXXX XXXX CA {$10.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA {$7.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$5.00} XXXXXXXX XXXX XXXX XXXX CA {$3.00} XX/XX/XXXX XXXX XXXX XXXX CA {$3.00} XX/XX/XXXX XXXX XXXXXXXX XXXX CA {$3.00} XX/XX/XXXX XXXX XXXXXXXX XXXX CA {$2.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$2.00} XX/XX/XXXX XXXX XXXXXXXX XXXX CA {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$2.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2.00} You can see that all transactions I have listed as fraudulent have a XXXX billing code that ends in XXXX. While the XXXX transactions that did come from my account and show up on my billing history end in XXXX. XXXX I was shocked and overwhelmed when my card was declined and I saw that there was over {$40000.00} balance on my card. I initially believed these charges were fraudulent or some form of identity theft and called the Chase fraud dept for help. I was unsure of exactly which transactions were fraud because many were of the same amounts as the valid transactions. The fraud dept with Chase initially marked the unapproved charges as fraud and some of the valid charges as fraud as well. They took the charges off of my account, canceled my card and issued me a new card. Approx. XX/XX/XXXX I received a call from the Chase fraud dept. They stated that XXXX has said that these charges are from my XXXX account. The fraud dept said that this is not a fraud claim but a merchant dispute issue and they have recharged the charges to my card. They indicated I need to go through XXXX directly or the Chase dispute dept. They stated that if XXXX admitted that there was suspicious activity or fraud on my account that they could then reopen the fraud claim and refund the charges. I discovered that they had flagged some of the XXXX legit transactions in the fraud claim and called Chase to inform them that this XXXX have been the reason for the confusion with XXXX. XXXX I sent multiple messages to XXXX and XXXX through their help and billing support pages with no success. Each time I would get a generic reply stating that there was no suspicious activity on my account. XXXX Full packet of information with a letter and full list of all transactions showing which were legitimate and which were to be disputed was faxed to the Chase dispute dept. XXXX Chase Branch Manager stated they would attempt to escalate this to a higher level who would advocate for me. XXXX Update : I received a letter from Chase stating that my dispute has been resolved and my account has been credited for the first XXXX of the XXXX charges. These charges came from the same place as the other XXXX transactions. See attachment F. XXXX Police Report Filed. XXXX I found on my chase account under track disputes that they had again listed several of the XXXX legitimate transactions and disputes along with the XXXX fraud transactions. I called them multiple times to clarify that the XXXX transactions ending in XXXX should not be included in the dispute. XXXX I was called by XXXX from Chase executive dept who stated simply restated what the frauds dept finding were. XXXX Out of the blue I received a message from XXXX XXXX admitting that they had found Ive investigated these charges and believe your account has been compromised. Ive refunded all fraudulent purchases back to the original source. Please allow 3-5 business days for the refunded purchases to appear in your account. I saw that 2 of the fraudulent {$900.00} transactions were pending refunds to my account. XXXX I replied to XXXX with the additional transaction reference numbers and asked them to investigate and refund the additional charges. They replied, XXXX XXXX, Thanks for contacting XXXX. We've detected suspicious activity surrounding your card that resulted in purchases you didn't make. I've issued you a refund for those fraudulent purchases. Your payment provider usually makes the refund available to you within XXXX business days. If you still haven't received the money after XXXX business days, I recommend contacting your payment provider for help getting your refund. XXXX Received letter from Chase stating that XXXX of the {$900.00} disputed transactions were resolved in my favor! I waited 9 days and only XXXX of the XXXX fraud charges were refunded to my account. I called the dispute dept at Chase and they directed me back to the fraud dept. I then submitted the fraud emails from XXXX to Chase fraud dept. XXXX Chase Fraud Dept . called me and stated that the email submitted from XXXX was not enough evidence to refund the additional charges and they would be closing the case again. They stated that this is still a merchant dispute and XXXX would have to refund the additional charges. Chase keeps closing my case and sending me back and forth between the fraud dept and the dispute dept. XXXX will not thoroughly look through each transaction and issue a refund for the fraud charges. I did not receive any services or authorize any of the XXXX transactions. XXXX has admitted in writing that XXXX of the {$900.00} transactions ending in XXXX are from suspicious activity/fraud. I need Chase to take action on my behalf. Thank you so much to anyone who is taking the time to look into this and advocate for me. I need the truth to prevail as my wife and I, along with our XXXX childrens livelihood depends on this. Sincerely, Attachment List : Chase Transaction list from card ending in XXXX ( previously XXXX ) FB lifetime billing report from my business FB ads account where the XXXX valid transactions are listed FB screenshots of the same transactions with FB reference numbers FB lifetime billing report from my personal FB ads account Screenshots of FB orders and payments history XX/XX/XXXX Update Chase Letter validating that XXXX of the transactions that were disputed as fraud were confirmed as fraud or a legitimate dispute and my account has been credited. Added XX/XX/XXXX Police Report Added. Added XX/XX/XXXX Emails from XXXX acknowledging that my account was compromised and suspicious activity resulted in charges that I did not make. Added XX/XX/XXXX Additional Chase dispute letters.
Company Response:
State: CO
Zip: 80923
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Reference Number : XXXX This communication is in reference to the attached credit decision letter dated XX/XX/XXXX, in which your response to my claim was that XXXX XXXX XXXX via XXXX XXXX XXXX XXXX by way of JPMorgan Chase Bank , National Association denies all claims that they use a manual credit decision making process to review applications. The response given is openly a furnishing of deceptive information according to the section titled Exceptions to Underwriting Criteria of your Prospectus 424b5. I am now requesting a {$100000.00} revolving line of credit of an open-end from the use of my application/note based on the facts posted below directly from your Prospectus 424b5. After review and cross reference with your Prospectus 424b5 I ask that the card be immediately issued with the requested available balance as well as a DO NOT PAY DO NOT COLLECT status on the account for the card. Exceptions to Underwriting Criteria of your Prospectus 424b5, directly states the following. JPMorgan Chase Bank uses manual credit decision-making as part of the underwriting process to supplement its automated underwriting, primarily ( 1 ) when it believes an experienced lenders review would enhance the credit decision-making, ( 2 ) when additional information is needed, and/or ( 3 ) under specific circumstances, such as when fraud concerns are present. ( Securities Fraud Concerns are Present ) Based on a review of the manual credit decisions made during the three calendar months ended XX/XX/XXXX, the number of accounts in the trust portfolio identified with exceptions to JPMorgan Chase Banks underwriting process and criteria in effect during that time period as a percentage of the total number of accounts in the trust portfolio was less than 0.1 %. In addition, the denial of the card in exchange for the security given is an act of Securities Fraud. The Use of Proceeds section of your Prospectus 424b5 better explains this fact as it states the following. The proceeds from the sale of the offered notes will be used to make deposits to the Class C reserve subaccounts for outstanding Class C notes in an aggregate amount of {>= $1,000,000} and the remaining proceeds, in the amount of {>= $1,000,000} before deduction of issuance expenses, will be paid by the issuing entity to XXXX XXXX XXXX. The estimated expenses are {$750000.00}. Therefore, the proceeds, net of the deposits to the Class C reserve subaccounts and issuance expenses, will be approximately {>= $1,000,000}. XXXX XXXX XXXX will use such proceeds for the general purposes of XXXX XXXX XXXX, including the repayment of amounts owed to JPMorgan Chase Bank. Expenses incurred in connection with the selection and acquisition of pool assets that are payable from the offering proceeds will be approximately {$0.00}. ( If you are receiving proceeds from the use of my note with an already established obligation then this is a violation of my rights as a Bonified Purchaser and Investor. In addition, this proves the act of securities fraud on your behalf. ) The former request for a account with the balance of {$30000.00} and present request for an account with a balance of {$100000.00} with a revolving/open-end line of credit is possible and should be issued on the basis of the practices of securitization by JPMorgan Chase Bank and its predecessor institutions, as well as its RETAINED INTERESTS under your Prospectus 424b5 section titled Credit Risk Retention where it states the following : Securitizations are subject to a rule, referred to in this prospectus as the U.S. Risk Retention Requirements XXXX that require the sponsor of a securitization transaction ( or a wholly owned affiliate of the sponsor ) to retain, unhedged, a minimum of 5 % of the credit risk of the securitized assets. The U.S. Risk Retention Requirements, which were jointly adopted by the SEC, the FDIC, the Federal Reserve, and certain other prudential banking regulators, became effective with respect to credit card securitizations on XX/XX/XXXX. The U.S. Risk Retention Requirements permit the retained risk to be held in the form of a Sellers Interest representing at least 5 % of the aggregate unpaid principal balance of all outstanding investor asset-backed security interests in the issuing entity. XXXX XXXX XXXX retains a Sellers Interest to satisfy the U.S. Risk Retention Requirements. ( As an investor I am aware of my issuance of the asset backed security ) Not to mention your Prospectus 424b5 under the section titled U.S. Public Securitization Program for Credit Card Receivables it states the following : JPMorgan Chase Bank and its predecessor institutions have historically used three main public credit card securitization programs for securitizing its credit card receivables ; the issuing entity, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. The issuing entity has been active since XXXX. It also states, None of the asset-backed securities issued by the issuing entity have experienced any losses, events of default or early amortization events and JPMorgan Chase Bank has not taken any action outside of the ordinary performance of any of the issuing entitys transactions to prevent such an occurrence. IF YOU ELECT NOT TO PERFORM, I WILL HAVE NO CHOICE BUT TO CONTACT THE FOLLOWING AGENCIES IN REGARD TO YOUR CONDUCT ( SEC, FINRA, & OCC ).
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: There is a check deposited to my account and posted on XX/XX/2023. It is not authorized by me ( since my account got compromised during that time period ). Also, the " pay to the order of '' is not even to me. However, it got posted on my account. I have contacted Chase about this issue. Chase reversed this transaction on XX/XX/XXXX. However, Chase reversed this transaction again On XX/XX/XXXX. I have contacted Chase on XX/XX/XXXX about this issue and its claim department created a claim for my about this double reverse transaction. However, this claim has been denied. I have been dealed with Chase for a month about this issue. It seems none of the time it works. Now my account is showing negative balance and makes me worry about it.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A