Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ID XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX OPTION 6 Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Received a check from my deceased father 's life insurance policy for the amount of XXXX USD on XX/XX/2023 and deposited it. Check went in on XX/XX/XXXX but my account and funds were put on hold till the XXXX. The XXXX of XXXX came and went and my account still was placed on hold and still had no access to my funds, regardless of where they came from. My bank could not verify the origin of the check despite it being from a respected and known institution, which I find absolutely outrageous. After a long struggle with the bank i decided to close the account to open a new one elsewhere and have them resend me my check. My bank still hasn't let go of that previous check meaning i cant receive a new one and after speaking to the insurance company today ( XX/XX/2023 ) they said the check was cleared and cashed on XX/XX/XXXX without anyone calling to verify. I have not seen a single cent from that check and have gone through extreme hardships trying to get this situated. Neither company seem interested in helping me fix this issue.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I booked a pair of international flight ( business class ) ticket via Chase XXXX, which paided XXXX usd and used XXXX Chase reward points. 2 days before departure, I discovered that either Chase or the airlines cancelled my seats, without any notice. The fight was NOT cancelled. Chase XXXX agent and I called the airlines, the airlines refused to rebook my seat to business. I had to accept economy. This rebooking process also took XXXX hours and I've spent the entire afternoon of XX/XX/XXXX on this. As for service recovery, Chase XXXX agent offered to return all XXXX points back, which I accepted. All of this conversation has taken place on a RECORDED line. Recently, I contacted Chase and Chase XXXX for the points return and they have retracted on their offer/promise. I have spent countless hours with Chase and all they want to do is refund XXXX and XXXX points ( which is fraction to I paid ). Also I found out that Chase has outsourced Chase XXXX and the agents at the outsource company has caused many customers to suffer from their lack of responsibility and unprofessionalism.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am writing in final exasperation regarding my accounts with Chase Bank, which have been affected by identity theft with my wife and I. We were victims of identity theft, and filed police reports, FBI reports, FTC and idetheft.gov reports and have had all disputes ruled against us. Our account is XXXX XXXX overdrawn, and is scheduled to be closed on Saturday. We do not know what to do, and have been told that we can not lose an account of receive damage to our bank accounts or credit because of identity theft. Please advise how to proceed. We can not afford an attorney at this time, we are both exhausted and overwhelmed.
Company Response:
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I did some work for a long-time client and they wrote me a check for {$7000.00}. I had this check deposited for me to my Chase account as I am out of the country. Chase has been holding this check for longer than the legal limit. The check was deposited on XX/XX/23 and cleared shortly thereafter. Initially, they gave no reason for not releasing the funds and claimed that their deposit agreement superseded federal law and that they can hold my check for up to XXXX business days. Now that we are reaching the XXXX business days, they are making vague claims that they suspect fraud, which is absurd. When I try to get concrete answers about why they think this is fraud, I get nowhere. I have held this Chase account since I was XXXX years old and though I do not use it often, I do use it every now and then to deposit checks sent to my parents ' house, as they have a Chase branch XXXX minutes away. I have had checks of larger amounts deposited to this account without a problem. It seems like a convenient excuse for Chase to claim that they are trying to protect me from a threat that they can't give any information on, while they hold my cash for their own gain- especially after the check cleared on XX/XX/23.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX an email was received from Chase bank on my wife 's email stating thanks for applying for a Chase Sapphire Preferred card ( the application was under my name. ) I did not submit the application and neither did my wife. On XX/XX/XXXX I called Chase at XXXX and was told there was no application under my name or SSN. I was transferred to the application team at XXXX who confirmed there were no active applications under my name or SSN. On XX/XX/XXXX I called the Customer Protection Group at XXXX and was assured there were no applications under my name or SSN. On XX/XX/XXXX I received a letter dated XXXX ( mail ) from Chase telling me they were unable to access my credit report and that I should contact XXXX to allow access. The letter refers to reference # XXXX. I called the Customer Protection Group at XXXX again and was told there were no applications under my name or SSN. I then called the number on the letter, XXXX, Chase Card Services and they confirmed there is an active application .They cancelled the application. I asked for the information that was submitted on the application and was told they can not provide it.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/XXXX I was charged {$160.00} with the line " XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) '' as a card transaction. I disputed the charge, as I don't recognize it. On XX/XX/XXXX Chase reversed the charges. On XX/XX/XXXX Chase charged me again with the line on my statement " Claim reversal : XXXX XXXX DE XX/XX/XXXX ClaimId : XXXX ( ... XXXX ) '' as an ATM transaction. I requested documentation from Chase on the matter in XXXX after noticing the charge on my statement. Chase sent a letter saying they had reviewed documents during their investigation, but DID NOT SEND THE DOCUMENTS. I have tried monthly since then to get them to send the documents, and their support lines claim that they have sent the document, but I have not received them.
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: on or about XXXX of XXXX i sent a request to review investigate and correct inaccurate errors in my payment history for XXXX can you send the results of your investigation adjustments you made to correct the payments and escrow account
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A