Date Received: 2024-01-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, we on behalf of our business authorized a wire transfer of {$97000.00} on our business checking account to whom we believed was our title company for a commercial property we were in the process of purchasing. On XX/XX/XXXX, we were informed we were scammed after learning our Title Company had not received the funds yet. I explained I received an email stating our funds had been received as of Sunday, XX/XX/XXXX. Our contacts from our actual Title Company confirmed that the wire instructions I followed were indeed incorrect and was scammed by someone posing as the contact from the bank we had been working with for months and needed to report it to our bank as well as law enforcement. The same day, I reported to Chase Wire Fraud immediately who created a case for us. They told me to also submit a claim with Chase Customer Claims. I immediately called Chase Customer Claims, created a case and was advised to report this to ic3.gov. I then made a report on ic3.gov explaining our situation and what actions had been taken so far. I continued to follow up daily ( business days ) with Chase Wire Research Team. On XX/XX/XXXX, Chase Wire Research told me that the receiving bank ( XXXX ) had acknowledged the wire recall request and would conduct further investigation. On Saturday, XX/XX/XXXX I received a letter via secure message through the Chase App stating our claim was denied since we authorized the charge and benefited from the authorized charge. I responded immediately on the app stating we do not agree with this decision as we did not benefit from the authorized charge. I received a response the same day stating Chase was still awaiting a response from XXXX XXXX. Each day I continued to call Chase Wire Research they stated they had not received any further updates from XXXX. On Friday, XX/XX/XXXX I received a call from the FBI agent assigned to our case report from ic3.gov. He provided me with a direct contact to XXXX XXXX as there is an update to our case and I would be able to discuss directly with XXXX in finding out what needs to be done in order to received our remaining funds. I immediately called the contact at XXXX and confirmed they were able to freeze roughly $ XXXX out of the {$97000.00}. She stated that they responded to Chase requesting a hold harmless letter ( HHL ) that day after they received a reminder from Chase on XX/XX/XXXX. I called Chase Wire Research and they stated they had not received any responses from XXXX since XX/XX/XXXX when they sent a second acknowledgement. I explained that the FBI responded and I spoke directly with XXXX who confirmed they have partial funds frozen for us but all they need is the HHL. I was told we would have to request it from Customer Claims. Since it was now the weekend and end of business on Friday, I waited till Tuesday, XX/XX/XXXX to follow up given the holiday. I was told again by Chase Wire Research that they had not received any response from XXXX. I called each day until Friday, XX/XX/XXXX when I decided to three way conference call XXXX XXXX with Chase Wire Research Team. Chase explained to my contact with XXXX XXXX they had not received any response, she asked for which case number they were using and she said she had a different case number and read it out loud and Chase read the same case number she had at the same time confirming it was the same case that XXXX had responded. On Saturday, XX/XX/XXXX I received a secure message through the Chase App stating XXXX responded on XX/XX/XXXX requesting a Hold Harmless Letter to be sent to two specific XXXX email addresses and that I needed to contact Chase Customer Claims to request the HHL. I called Customer Claims on Sunday, XX/XX/XXXX and was told that they are waiting for a response from XXXX as they do not have any updates requesting the letter. I explained multiple times what XXXX requested directly to the Chase Wire Research department. I asked to speak to a supervisor and was then transferred over to a supervisor within Chase Customer Claims. After several arguments back and forth, she then told me that our case was denied and closed and apologized that no one has explained that to us. I said, " so you are saying you can not help us, who the heck am I supposed to contact. '' She then stated we do not process hold harmless letters and I need to contact Chase Wire Research. I explained I was instructed to contact Customer Claims by Wire Research. After several more arguments she said she could not help me since our case was closed and they do not have any recovery rights. I said " Thanks for nothing '' and hung up the phone. I followed up with Chase Wire Research on Monday, XX/XX/XXXX and confirmed I indeed need to speak with Customer Claims as they are the ones who can request the hold harmless letter and have it processed. I called Customer Claims and was told I needed to speak with Chase Wire Research as they do not handle HHL. I explained that I was told to contact Customer Claims and they put me on hold again to confirm. We went round and round in circles until they put me on hold and came back to say their back office would process the letter. I even gave them the email addresses that it needed to be sent to per XXXX XXXX response to Chase Wire Research. I called for an update later that afternoon with Customer Claims and was given the runaround again and was told to contact Chase Wire Research. I told them both departments keep telling me to call each other. I was then told by Customer Claims that wire recalls are worked on with best efforts and investigation was still being conducted and may take 30 to 90 business days. I responded stating " All the investigation has been done by the FBI and Chase Wire Research team. The XXXX XXXX responded requesting the letter in order to return our remaining funds that has already been frozen for us. Yet, Customer Claims is saying my case is closed and refuses to process this letter. '' I was then told that I need to wait and also contact Chase Wire Research. So I called Chase Wire Research again explaining what had just happened on the phone with Chase Customer Claims. They called Chase Customer Claims first and was told she understands my frustration because they also told her that I needed to speak with her department ( wire research ). She corrected the claims department, asked for an escalation request to be added to our case for the back end office to confirm if the letter has been requested or sent because Customer Claims was confused if the signed letter had been sent to XXXX or requested by Chase to XXXX. I was then instructed to call in the next 24 to 48 business hours to allow them to process. I called the following morning, Tuesday, XX/XX/XXXX and spoke to Customer Claims and received the same runaround and needed to contact Chase Wire Research. I called Wire Research explaining I am continuing to get the runaround and contradicting information. So the agent called Customer Claims and connected me with a new agent. I explained once more to Chase Customer Claims everything and that each day I am told they can not contact the back end office. So she put me on hold for several minutes and eventually got back on the line and confirmed she spoke to her back end office and confirmed that the Hold Harmless Letter was sent XX/XX/XXXX. They were waiting for signature from XXXX. I followed up in the evening with Customer Claims, was given the same runaround and was told they saw I had called earlier in the day, but there were no notes stating a letter was sent. I requested to speak with a Supervisor again, when I connected with the Supervisor in Customer Claims she stated that a HHL is automatically sent with a wire recall so that XXXX should already have it since XX/XX/XXXX. Then she proceeds to give me the repetitive response that wire recalls are best case efforts and take 30 to 90 business days to process. She then said if I would allow them time to work on it, it probably could get done. I continued to explain I do not understand why Chase will not process the letter for XXXX as XXXX has already stated in writing to Chase Wire Research that they need this letter in order to return our remaining funds. I was then told that Chase does not have any responses and they can only go by the notes in our case. I then asked who did the agent from Customer Claims speak to confirming that a letter was in fact sent and then she said I am not sure who she spoke to as there are no notes on your case stating that a letter was sent on XX/XX/XXXX. I eventually got tired speaking with her because I was given the runaround again and said I would be calling again tomorrow. I then followed up by calling Chase Wire Research team and explained everything that had happened so far. My agent with Chase Wire Research contacted Customer Claims to see if in fact a letter was sent because her team does not send the hold harmless letters, she said she did get a confirmation from Customer Claims that it was sent and she was going to request to the investigation team to reopen our case and notify XXXX XXXX that the letter was sent. I called Chase Wire Research Team again to see if our case had been reopened and it was still in process. So I contacted our contact with XXXX asking if they had received anything, she called back stating nothing has been received and they do not have any responses from Chase anymore since they responded on XX/XX/XXXX. At this time no further updates have been made. It is very frustrating to be sent back and forth and no progress is being made when Chase already has a response from XXXX stating the last step in order to return our remaining funds. It feels like they are purposely waiting the full 90 business days. I called Chase Customer Claims on Wednesday, XX/XX/XXXX and was told the hold harmless letter was sent by Chase to XXXX on Tuesday, XX/XX/XXXX. I responded stating that I was told the letter was sent XX/XX/XXXX and they said Im not sure but it was sent on Tuesday and to expect a call on Thursday or Friday of this week. I proceeded to ask who it was sent to and was told they sent it to XXXX and Wire Research should be taking care of it and they would transfer me to a specialist in Wire Research. I was then transferred to Chase Operational Services. I explained our case starting at the very beginning and where we are now. She said normally she would recommend to speak with Wire Research but instead of being transferred to multiple departments she would call Wire Research and then transferred me back to Customer Claims. He stated that once a hold harmless letter is sent it takes the other bank 30-90 business days to respond. I asked him what actually has been done at this time because I was told the letter was sent on XX/XX/XXXX but then it was actually sent on XX/XX/XXXX and then today was told it was sent XX/XX/XXXX so what is actually true. I explained once more that my contact with the other bank meaning XXXX has confirmed that her wire room investigation team has not received any communication from chase regarding a hold harmless letter as of today. He said okay and placed me on hold to look into it further. Now they are telling me the HHL was sent via physical mail on XX/XX/XXXX and that may be causing the delay and that the agent I spoke to before I was transferred provided me with misinformation because no letter was sent on XX/XX/XXXX as it was sent via physical paper mail on XX/XX/XXXX so to allow 3-5 business days to receive a call from Customer Claims . I followed up on Thursday, XX/XX/XXXX with XXXX contact and was informed no mail had been received and was surprised it was sent via physical mail because typically it usually emailed and processed rather quickly. So on Friday, XX/XX/XXXX, I called Chase Wire Research to find out the latest update, I was told by the agent the hold harmless letter was sent via email on XX/XX/XXXX and again on XX/XX/XXXX. I explained that the XXXX contact had still not received anything and I was told it was sent through physically mail per Customer Claims. So he called Customer Claims to find out more information. He came back on the phone and said the HHL was actually sent to our physical mailing address. I asked why was the first time I was hearing about this because two days ago I was told it was sent to XXXX and never said it was sent to me. I would like a tracking number so he put me on hold and continued to speak with Claims. Then he came back on the phone and told me he was going to transfer me and the claims agent would give me an alternative option to obtain this letter and once I receive the letter I needed to scan it, attach it to a secure message through the chase app to send to wire research and they could send it to XXXX XXXX. So I was transferred and spoke to an agent with Customer Claims. She instructed me to go to my local branch and ask the banker to call Customer Claims and request the Hold Harmless Letter to be sent to the branch by Claims which would allow the banker to print it out for me. Thus I would be able to send to Chase Wire Research. So I drove to my local branch immediately after my phone call and requested to speak to a banker. The banker called Customer Claims and was placed on hold while the new agent from Claims was asking her supervisor for further guidance with my case. The agent told the banker that I was misinformed and that they could not do that for me as the letter has to be sent directly from the back end Chase Customer Research Team to the XXXX XXXXXXXX XXXX XXXX XXXX. After several arguments later with the banker and then also myself, the final outcome was that the agent placed an escalation on my case requesting to confirm if an additional HHL was sent out or if they could send another one to XXXX. I was told I need to wait two business days for this request to the back end office to be reviewed and processed. If another letter is sent out through physical mail, we have to wait 10 calendar days for XXXX to receive it and allow 30-90 days for XXXX to respond back. Needless to say I was very frustrated because once again I was told a different story and was instructed to do something that ended up not being accurate. I tried reaching out through XXXX and making a complaint but no action was taken except for placing an escalation on our case and apparently a formal complaint was submitted on my behalf. However thats not the first time I was told that information. At this moment, no further progress has been made.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have an email from my Chase private banker dated XX/XX/XXXX that my promotional coupon was attached to my account for {$900.00}. I've been trying to work with a branch to open the savings account and add the $ XXXX for the past XXXX weeks and the manager I'm working with, XXXX, is stating that the coupon attached by XXXX on XX/XX/XXXX was the wrong coupon despite him telling me it was correct. Further, XXXX told me to set up my checking account online such that everything was not done together. I've been misinformed and mislead since trying to join Chase XXXX months ago.
Company Response:
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Getting the loan
Subissue:
Consumer Complaint: I deposited two loan checks from XXXX XXXX and XXXX through a Chase Atm. My checkings account got closed because these checks could not be verified from chase. I called the lenders and they said they can verify the check chase just needs to call them, but Chase says they cant verify the checks because the numbers arent apart of their systems. I already made payments for both of these loans, and i have yet to get my funds from chase who are holding it, which {$5400.00}. I deposited {$1500.00} on XX/XX/XXXX and deposited {$3900.00} on XX/XX/XXXX both through a atm. My checkinngs account where i deposited both of these checks, got closed by chase on XX/XX/XXXX for the reason of them not being able to verify the checks. I have called relentlessly to chase to fix this situation and even gone to different branches in person to find assistance but they all say they cant help because of Chase systems, my lenders said chase just needs to call them to verify the checks, i already started making payments for the loan, and Chase wont release my funds, with both lenders I provided a different number for chase and they still said they cant verify the checks. HELP ME! I fear this will be an ongoing situation where I wont recieve my funds that Im already paying for :/
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from J.P. MORGAN CHASE BANK to credit bureaus XXXX, XXXX, and XXXX which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. J.P. MORGAN CHASE BANK is continuing to report negative items on my consumer report. J.P. MORGAN is committing securities fraud and theft. J.P. MORGAN has threatened, harassed, and even attempted to extort me for this alleged I debt they claim I owe them. J.P. MORGAN CHASE BANK is reporting as a charge off on my consumer and they are still claiming I owe a debt. How is this accurate if a charge off is considered income? When it comes time for J.P. MORGAN CHASE BANK to do their quarterly taxes, they're going to report the charge off as income and receive a tax deduction. By law you can't attempt to collect on a debt that has already been paid! That is THEFT! Not only that, J.P. MORGAN CHASE BANK, has a continues to sell this alleged debt along with MY NONPUBLIC information to collection agencies WITHOUT MY WRITTEN, OR VERBAL CONSENT. I pulled J.P. MORGAN CHASE BANK, SEC filings, more specifically the XXXX XXXX Prospectus, and Trust Indenture Forms. I meticulously dissected the forms and J.P. MORGAN CHASE BANK, is securitizing card loan agreements as asset backed securities and capitalizing off of it by trading and putting these loans in a pool and selling them on the secondary market. Then turning around and demanding FRNs ( Floating Rate Notes ) as additional payment when it is the wrong tender. I've sent lawful payment, signed and endorsed the bearer security and J.P. MORGAN CHASE BANK has not only stolen my security but they've refused to credit the account. J.P. MORGAN CHASE BANK has submitted a 1099C on my behalf without my written consent. So what I did, I submitted my own 1099C for the alleged debt I owe which I sent out via certified mail to J.P. MORGAN corporate headquarters ( tracking : XXXX ) on XX/XX/XXXX and it was signed for and picked up on XX/XX/XXXX. The correspondence was addressed to the CHIEF FINANCIAL OFFICER, XXXX XXXX. I also included an instruction letter with explicit details demanding that J.P. MORGAN process my 1099C immediately and to mail me back copy B back. I also stated in my letter for J.P. MORGAN to the immediately notify all credit bureaus that the account is PAID AS AGREED. In the letter, I also stated that I was aware of the fraud and theft that J.P. MORGAN CHASE bank is committing and that I am putting them on notice because I will be filing complaints with the SEC, FINRA, XXXX, and further legal action. J.P. MORGAN CHASE BANK has refused to process the 1099C and is continuing to report negatively on my consumer report! I demand my account be updated PAID AS AGREED immediately. I have suffered emotional, mental, and physical damage because of J.P. MORGAN CHASE BANK. I fear for my life every single day because of these debt collectors harassing me on a daily threatening to physically harm me and my loved ones if I don't pay the alleged debt. I've spent thousands of dollars seeking medical attention because of the XXXX J.P. MORGAN has caused me.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am reaching out regarding a Fraud-claim dispute I opened with Account Holder XXXX XXXX Properties regarding a check they issued me in refund for an application fee. Here is the following information I have gathered : XXXX. The check for {$200.00} was mailed & deposited to my previous address in XXXX XXXX NJ on XX/XX/XXXXXXXX XXXX XXXX. The check was deposited into a Chase bank on XX/XX/XXXX. XXXX. The XXXX # was XXXX I never received this check & reached out to the Merchant/Account Holder to raise these concerns and open a dispute claim. I was told they would get in contact with their Accounting Dept. A month later, the only information that I have received is that the check was deposited into a Chase Bank account ( which I do not possess ). I reached out to Chase Bank to see if I could receive any information about the account the check was deposited into & was told they could not relay the account information to me since I was not a customer with them. Additionally, I am also trying to dispute things with the Merchant 's bank XXXX XXXX XXXX XXXX XXXX XXXX who produced the check. So far no one has given me any definitive information about who cashed the check that was addressed to me & how I can get my funds properly returned to me.
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My debit card linked to my checking account was compromised in XXXX. I got a new credit card & was given a temporary credit but the transaction amount of {$78.00} was deducted again. So I filled another claim, and was given another credit for the same amount. Fast forward to today, the same amount of {$78.00} was deducted.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a XXXX XXXX money order. To my chase account. XX/XX/XXXX. Within a few days my account was put on hold saying the check was fradulent. I called the bank and was told when they can have the check cleared then I can use my account. They said this will not happen until XX/XX/XXXX I have used this XXXX XXXX and money orders many times in this account. Two days ago the checked cleared. Today I looked into my account to transfer the funds to another bank account as I am going on holiday Monday. Today the account is closed. Chase told me that XXXX XXXX can not confirmed this check is not fraudulent and they closed my account and this is a state affair. I called XXXX XXXX and there is no problem with my money order and it has been cashed. Chase has kept my money and closed my account. Please help me. Not only did they stop me from using my account over XXXX I now have no money to go on my holiday and they have kept my money and closed my account. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new checking account with chase with a cashiers check from XXXX XXXX. There is an inexplicable hold on the funds till XX/XX/24 instead of the XX/XX/24 date I was given. There is still available funds in the account from a direct deposit but when I tried to use my debit card it was frozen. I have no access to my money right now.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase did not offer me anything. Out of the blue I received an email informing me my chase card was put in a XXXX XXXX I didnt authorize and dont want XXXX or anything else added to my account without permission. Received via email XX/XX/XXXX XXXX XXXX Your Chase card ( ... XXXX ) is now in your XXXX XXXX Your eligible Chase card is now in your XXXX XXXX and ready to be used for online checkout at participating businesses. XXXX is : More secure. XXXX doesnt share your actual card number, allowing you to check out more securely online. Offered by Chase. As one of a few participating banks offering XXXX, Chase gives you the same trusted financial experience youre used to. Convenient. XXXX combines your cards into a single wallet, so you dont have to set up new usernames or passwords. Simply choose the card you want to use at checkout. Want to learn more about XXXX? Visit our FAQs. How to opt out of XXXX : You can remove your eligible cards from your XXXX XXXX in the Chase Mobile app or opt out entirely through XXXX Contact us if you have more questions or would like additional help removing your cards. If you think we sent you this message in error, call us at the number on the back of your card right away. Securely access your accounts in the Chase Mobile app or at chase.com. ABOUT THIS MESSAGE Chase Mobile app is available for select mobile devices. Message and data rates may apply. This service email gives you updates and information about your Chase relationship. Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your accounts including your latest account balances and transaction details. To protect your personal information, please don't reply to this message. Chase won't ask for confidential information in an email. If you have concerns about the authenticity of this message or have questions about your account visit chase.com/CustomerService for ways to contact us. Your privacy is important to us. See our online Security Center to learn how to protect your information. XXXX JPMorgan Chase & Co .
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all XXXX XXXX report. looks like someone has my personal information and time to time requests credits on my name. As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. Other vise I will loose much time and money because mortgage lenders will decline my application for financing. I will list them below : XXXX. The inquiry was not authorized XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX 2 Date of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX FIN XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized COAF Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. Thank you in advance : XXXX XXXX
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A