Date Received: 2023-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : JPMCB - CARD SERVICES Account # XXXX XXXX XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Went to deposit cash at the atm at Chase bank on XXXX XXXX in XXXX, MI. After the deposit was made, I received a message that the atm was having technical difficulties and my deposit didn't go through, and I didn't receive my cash back. A car pulled up behind me and I drove around and the person in the car was messing with the atm and in a car without plates and a white mask on their face. The atm was hacked and my funds was not deposited in my account.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In the Chase app the bank promised me a {$200.00} XXXX gift card. But I never received the gift card. Chase tells me to contact XXXX and XXXX refers me back to Chase. It's back and forth and no one wants to own it. This is Chase responsibility because they communicated to me in their app informing me they were giving me a {$200.00} XXXX gift card. I am uploading a screenshot of the communication I have with Chase promising me the {$200.00} XXXX gift card. Also a screenshot of my XXXX gift card transaction history to prove I never received the gift card.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bought a printer from XXXX and when I opened it, it was used. I went back to XXXX to request replacement, was refused then I asked for my money back and was refused too. Merchant is no cooperating. I contacted my financial institution, JPMorgan Chase to dispute charge, I explained but representative said " no '', and was hunged up. XX/XX/2023 {$260.00} XXXX
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I reported unauthorized transactions to chase a few weeks ago because my card was lost along with my wallet and ID. Several other credit cards were impacted by this incident. I received a letter through chase messages stating my credit Line was decreasing SIGNIFICANTLY BY 95 % percent! My original credit limit was XXXX when I initially opened the card. I have always paid my balances and made my payments on time. Im a single mother and use this card for emergency purposes! I depend on this card knowing I can use it if I ever have an emergency. I have good payment history! I have never had any other company decrease my credit limit so significantly! I believe chase took this adverse action because I Reported unauthorized transactions otherwise this would not have happened. I do not have any other credit cards with this low of a credit limit. I also keep My credit usage low. I have good credit history and a good credit score. This was an adverse action taken by chase.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: We closed our refinance with XXXX XXXX in XXXX of XXXX. We set up the payments to be auto drafted from our account. Eventually JP Morgan Chase bought out Bank One a year later in XXXX. We have payment history statements showing that the auto payments were fine until Chase took over the account. Our payments were scheduled for the XXXX of each month beginning with XX/XX/XXXX and ending XX/XX/XXXX. However, Chase because of XXXX extensions we supposedly requested by phone they say the new maturity date was changed to XXXX of XXXX via a letter stating that they no longer could auto draft to that account and we would have set up a new auto draft. I explained that we didnt receive any notice of the loan reaching maturity in the months preceding the actual XX/XX/XXXX date, as I explained to multiple Chase XXXX since the XXXX letter via phone and fax that we were under a signed contract that could not be modified without consent of both parties and that their claim of our request for loan extensions over the phone was bogus and a cover up for XXXX poor accounting on their behalf and that we demand proof of any such request. They responded XX/XX/XXXX, and I quote Any information or document you requested that isnt included with this letter is either irrelevant, unavailable, considered proprietary, overbroad or unduly burdensome. They did not send any evidence of any requests from us asking via phone and was granted, payment extensions. They have refused to explain any of the transactions they made that lead us into being charged an additional {$6000.00} plus dollars only to say that our principal portion wasnt paid off. We explained that our monthly payments were {$720.00} and they were responsible via auto draft to make the payments. However the payment history shows they charged us additional fees of {$50.00} after they applied the extensions to our account. In XXXX incident they charged late fees of {$50.00}. We explained that as per our contract we could be charged {$25.00} late fee after 10 days and of of course we would receive a written notice from Chase of that happening, and at that point we would have immediately found their errors. But until the XXXX letter in the XXXX years Chase has managed our mortgage we never herd or received anything from Chase in reference to our mortgage. We are currently waiting for another response from the office of XXXX XXXX XXXX XXXX XXXX for Chase. And In order to prevent them from destroying our credit report we have been making the additional monthly illegal payments.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: A wire transfer was sent from my credit union in Virginia ( XXXX XXXX XXXX XXXX or XXXX ) to Chase Bank, XXXX Fl on XXXX XXXX in the amount of {$200000.00} ( XXXX XXXX XXXX USD ) using my name as the owner of each account. In other words, I sent money from me at XXXX to me at Chase in XXXX FL. After 10 days, as of XXXX XXXX, the monies are still unaccounted for. Ive called each institution repeatedly in the past 5 days only to find that each points at the other as the problem. What communications may have taken place between wire transfer departments are unknown to me as Im told the information is proprietary. I was told that because of the amount, the Chase fraud office intervened and held the money although Chase denies this saying they do not have the funds. This transfer should have taken no more than 2 or 3 business days. Now, Im suspicious of fraud in the form of wire transfer irregularity and request your help locating and recovering our money. Sender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Chase Bank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a Chase CC, the application process and receipt of the card was seamless. The issue is the double hard inquiry. I have one hard inquiry on Chase and another on Transunion. I requested for documentation regarding why XXXX hard inquiries instead of one would be applied to a consumer for a CC and I could not get any answers. I also requested if XXXX inquiries are needed to solidify information why isn't XXXX of them a soft inquiry instead, again I could not get any answers. XXXX of these hard inquiries should be removed, I have not had any bank perform XXXX hard inquiries at the same time for XXXX line of credit.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Notified that on XX/XX/23 and inquiry was made by Chase to my credit report. I called Chase XX/XX/23 and they confirmed an application for a XXXX credit card was made. I did not make this application. The customer service agent went ahead and cancelled and deleted the application. I asked for further details that were submitted on the application and the agent has referred me to a different place on their website to ask for this information through their identity theft process.
Company Response:
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A