Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I closed an account at Chase bank around 6 months ago and today the sent me an email that my new card with a {$16000.00} limit was in the mail, my previous one was {$500.00}. They had already attached the account to my online banking account.
Company Response:
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XX/XX/XXXX a XXXX XXXX bankruptcy was filed. All of my credit cards were closed. XX/XX/XXXX My attorneys office negotiated my overwhelming credit card debts ( no payments were ever late ). All payments were made as agreed with the couple of credit cards that were involved. However Chase kept returning my bank checks. The agreement was for 3 payments. One payment was accepted, the other 2 they kept returning. I called them and they refused to tell me where to send the checks because " I was represented by counsel ''. After many calls, they finally told me where to send the checks and I did, certified mail, receipt requested. I thought our agreement was completed and the debt satisfied. No contact attempt has ever made to me or my attorney to the contrary. The large envelope I sent was never returned to me. Chase reported to the credit bureaus 4 year later! {$14000.00} Charged off/CO XX/XX/XXXX A duplicate reporting for the same duplicate amount on XX/XX/XXXX. 6 years later after debt was satisfied. Damaging my credit all over again. XXXX points down overnight and still dropping.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I tried to purchase a router on XX/XX/XXXX on XXXX website. XXXX website redirected me to XXXX to complete the transaction and it was approved on the XXXX website ( Loan payment provider ). So I got charge for a downpayment {$100.00} on XX/XX/XXXX ( see attached image ChargeFromXXXX screenshot from chase bank website ) When I check on my email or XXXX website order history, it shows nothing, no order detail no transaction can be found under my account. ( see attached image NoOrderOrTransactionFromXXXX ) So I tried to contacted XXXX website ( the loan provider ) to submit a complain ticket and I got the answer. ( see attach images XXXX ) That the loan ( ID : XXXX ) is approved and charged me for {$100.00} for XXXX product XXXX I told them I have no order confirmation email or any transaction that can be found under XXXX website. They ask me to contact merchant ( XXXX ) to solve the problem. So I contact XXXX ( XX/XX/XXXX ) and created a ticket XXXX to investigate my problem and got the response from XXXX billing team said there is no charge or any transaction that can be found and case closed. Please see the attached screenshots for reference that i had been charged for {$100.00} Then I contact Chase bank ( XX/XX/XXXX ) for a claim for the transaction ( Reference # XXXX ). They give me temp. credit on same date. But this morning ( XX/XX/XXXX ) they send me a letter and told me that the transaction is valid and they will remove the amount {$100.00} from my checking account. THIS IS NOT TRUE. I DID NOT receive any product or service from XXXX website. So I wrote a letter to Chase ( see attached image LetterToChase.jpg ) and call them 3 times and they said the claim is final and refuse to reopen my claim nor to refund me my money. If you need more information, please contact me. Thank you. XXXX XXXX
Company Response:
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX Incorrect information was never updated on my XXXX credit report in direct violation of FCRA rules and my rights as a consumer. As of today XXXX keeps validating charge off as XXXX being paid monthly and this is incorrect. Several calls to request 1099c for the charged off amount have gone unanswered, on XX/XX/24 I called to request settle despite repeated violations to my fcra rights.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: i have a account XXXX XXXX. I am a truck driver, i drove for XXXX XXXX XXXX this early year. XXXX XXXX XXXX gave me a check {$3800.00}, but it had not enough money, so the check returned. but XXXX XXXX XXXX gave me another check as same amount, i deposited it. and the XXXX XXXX XXXX was deducted the XXXX money. but the chase ask me for the XXXX XXXX XXXX phone number, then they can gave me the money. XXXX XXXX XXXX gave me a phone number, i told the chase, but chase said it is not the number they have in their system. so chase frozen my account, i have no idea, why ask XXXX XXXX XXXX phone number, i just work for them. how can i know their phone number. including my own money, i still have XXXX in the account.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account XXXX : XXXX I am writing to address a recent late payment that was reported on my credit report for my car loan with Chase Auto Finance. I kindly request your assistance in reconsidering this late payment and removing it from my credit history. The issue is due to bank error as I had made my payment on XX/XX/2023. On XX/XX/2023, I saw the transaction for Chase in my bank and the amount withdrawn from the account but then it abruptly disappeared. I called Chase to see what was going on but they had not seen the issue on their end yet. I was told to wait until it was officially returned as I was not sure if they had gotten or not. I tried to be proactive by calling ahead of time to try to save my credit and figure out solutions but no one was willing to provide any solutions and they did not understand how credit worked. I had to wait until the XXXX to find out it had been reversed and the funds were released for me to be able to make the payment again. This issue is due to bank error. I pride myself on not getting any lates with my car and I tried to resolve it prior to the 30 days but Chase does not have staff that understood or could not provide any answers or assistance. Investigate and reverse this late payment. The payment has fully cleared and money has been successfully received by Chase.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX - filed a claim about an unauthorized transaction from XXXX XXXX with Chase claims department due to fraud activity on the XXXX account. The bank closed the Debit card used for this transaction and issued a new debit card associated with my checking account. The disputed amount was {$210.00} XX/XX/XXXX - The transaction went through with Chase Bank in the amount of {$210.00}. XX/XX/XXXX - The transaction in question was reversed by the bank and the amount of {$210.00} was credited back to the checking account. XX/XX/XXXX- received a notice from the bank that the transaction in question was determined authorized by me and will be reversed. XX/XX/XXXX - the amount of {$210.00} was deducted from my checking amount as claim reversal transaction. XXXX - multiple calls to the claims department, customer service didn't provide any feed back, nor was able to explain how to upload evidence from XXXX confirming fraud activity and that charges were removed from XXXX account. The explanation from customer service was that I authorized the transaction per merchant 's written response. Nobody has given me as a customer an opportunity to explain the situation or upload documents. Customer service is very rude and unprofessional, needs more training on how to handle claims, and does not care about customers at all. XX/XX/XXXX - spoke with Supervisor, supervisor confirmed the receipt of my proof that the charges were removed by merchant, re-assured me that the claim will be reopened. The status of the claim has not been changed. XX/XX/XXXX - spoke with another supervisor regarding the refund, explaining the situation - no resolution. XX/XX/XXXX- received another notice from Chase that the transaction was authorized by me. XX/XX/XXXX closed both checking and savings accounts with Chase. The merchant XXXX XXXX can not refund because the debit card has been changed and account closed. Attached are 2 notices from Chase and email from XXXX confirming that all charges are removed.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XX/XX/2023 I received an alert from XXXX that my credit file had a new inquiry from JPMCB CARD SERVICES. I have not applied for any new credit card and didn't authorize the inquiry.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello ok so my account was closed due to fraud. First they restricted my account and then they lifted the hold and unrestricted my account they said my account was good. I had a check for XXXX from XXXX XXXX XXXX bail settlement the money was available on XX/XX/XXXX to be in the account they closed my account due to that the check wasnt verified from the maker but the check did clear out I called XXXX XXXX XXXXXXXX bail settlement and they said the check was cleared XX/XX/XXXX but chase is giving me a hard to release my funds due to that they cant call the maker because the number does not show on there system to call meanwhile the check was cleared I tried to give them all numbers from that maker and still there system is not showing the number to the company I do have a recipient with the sequence number that the check was deposited and also have the letter that came with it I told XXXX you guys should use XXXX to XXXX the company because it shows the number and the reason why they had a bail settlement out for. I would like them to release my funds and send me the check of my funds that was available and then the check was cleared please please help me with this to get my money back
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: JP Morgan Chase, where I have multiple legitimate accounts, has allowed at least XXXX fraudulent credit card applications to opened in my name within XXXX months. I received a copy of the first application and it includes information regarding my address, email, and other details that is clearly inconsistent with my actual information that Chase has on file for my legitimate accounts. These credit card applications should have been immediately flagged and denied, without a credit check occurring. Chase 's credit card application process clearly lacks sufficient controls to avoid consumer fraud and suggests that Chase is permitting fraudulent cards to issue even where it has contradictory information available for the customer. The second of these fraudulent applications occurred after I completed the fraud reporting process with Chase, so even consumers who detect fraudulent activity on their accounts appear and spend the hours with Chase representatives to report this fraud are not protected. This conduct feels incredibly similar to prior misconduct at XXXX XXXX and other financial institutions that allowed unauthorized accounts to open in order to meet quotas or otherwise increase fees to the banks. These fraudulent cards and applications have significantly lowered my credit score, and I am unaware of any actions by Chase to proactively avoid future fraudulent applications from occurring.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A