Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On Wednesday, XX/XX/XXXX, I received a call from a Chase representative that someone tried to open a credit card in my name. They denied the application and called me. I checked my XXXX account to verify the accuracy of the claim. It was indeed. Working with XXXX, they removed the hard inquiry from my report.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: My phone was stolen and hacked into using my on the XX/XX/2023 and on XX/XX/2023 a XXXX transaction was made for {$470.00} i was not in possession of my phone at all because it had been stolen and i provided paper documents that report that i was not in possession of my phone when those transactions were made. Chase bank refuses to give me a refund even though i provided them with proof that my phone was not in my possession when those transactions were made.
Company Response:
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023 I began to purchase some airline tickets from XXXX XXXX. At check out an advertisement to apply for a Chase credit card stating could use for the purchase to receive a {$200.00} credit after {$500.00} purchase. I applied for the credit card knowing I have excellent credit and background. I also applied with the absolute intent of using it for airline purchase. After approval of credit card I was notified that I could not use the card for this purchase and was redirected back to the XXXX checkout and was required to use a completely different card of my own. I called Chase to see what they can do and was told there was nothing that can be done. I stated there were only XXXX options in my opinion. Give me the information needed to purchase the tickets as advertised or make it as if this debacle never happened. Was told ( rudely by one ) there is nothing can be done but cancel the card because I would have needed the physical card to make the purchase. Everything about the scenario came across as a bait and switch. I then asked the card to be cancelled and notify credit bureaus to rescind the hard pulls. Was told that this could not be done as well because I applied. I responded I applied under pretense of using card after approval ( as advertised ).
Company Response:
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: JP Morgan Chase Customer Service XXXX XXXX XXXX XXXX, DE XXXX. Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of XXXX. My JP Morgan Chase accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. Please investigate this matter and correct this error as soon as possible.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: I received notification on my Freedom Mortgage on-line account on XX/XX/XXXX that my loan servicing was being transferred to ( JP Morgan/Chase Bank N.A . ) . The effective date of the transfer was XX/XX/XXXX. They failed to give me the required notice within 15 days. They state they sent a letter dated on XX/XX/XXXX via XXXX. Unsure if the letter went out on XX/XX/XXXX and Freedom Mortgage could not provide any proof that it did, but I did not receive it until approx. XX/XX/XXXX. I received a letter from the new loan servicer JP Morgan/Chase on approx XX/XX/XXXX that was dated on XX/XX/XXXX. In the letter it stated that they were my new loan servicer and that I would be able to make my first payment on Chase.com or their app or on-line on XX/XX/XXXX. It did not provide any additional instruction in the event I wanted to payoff the loan prior to this date. I intended to payoff the Mortgage on the XXXX of XXXX, but was unable to due that because JP Morgan/Chase said that the account wouldn't be set-up and available until XX/XX/XXXX. I was unable to login and get a pay-off amount and JP Morgan/Chase did not provide instructions in their letter on how to payoff a mortgage before the account was set-up. When the account went active on XX/XX/XXXX, I tried to access the payment link on the web page and got error message each time I tried. On XX/XX/XXXX, I tried a again and was able to get the link to work, but when I tried to link a payment account, I got error messages stating the instant linking ran into a problem and it would take XXXX days to link the account per a different procedure. This would have led to more interest accrual. I then called JP Morgan/Chase and asked for a retro-active payoff amount for the date of XX/XX/XXXX. They said they couldn't provide that and I would have to pay the current payoff amount. This means that I incurred a daily interest on the loan balance of {$17.00}. This resulted in a total interest increase of {$180.00} to the loan balance when I paid it off on XX/XX/XXXX. I believe that they did not act in good faith on providing instructions on how to payoff the loan prior to the account becoming active on-line. I asked them to refund the interest amount of {$180.00}, but they refused. I then was told that I could go into a Chase bank and payoff the mortgage in person which I did on XX/XX/XXXX. The payoff amount included the interest that I am disputing.
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My dad passed away XX/XX/XXXX. Insurance company cxld Ins and sent letter to them XX/XX/XXXX. Chase notified me XX/XX/XXXX that there was no insurance on house from XXXX. As soon as I was notified I got insurance. Chase is now backdating coverage and charging me for something I was never notified of. They backdated insurance policy to XX/XX/XXXX. They did this in XX/XX/XXXX.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to raise a formal complaint against Chase bank for failing to deliver on a credit card promotional sign up bonus. I have attempted to contact Chase on multiple occasions and raised tickets with them ( XXXX and XXXX ) but was denied in both cases. I am requesting assistance with receiving the XXXX points that Chase owes me for their Southwest Rapid Rewards Plus Credit Card promotional offer of XXXX points. My account was opened on XX/XX/XXXX and I first attempted to reach out to Chase on XX/XX/XXXX to check on my progress towards the spending goal as I had not received the XXXX points by then. When I signed up for my Southwest Airlines Chase VisXXXX Credit card I did so with the idea I would be receiving XXXX points after exceeding a spending threshold shortly after opening the account. The promotional offer can still be viewed on the Chase website at multiple locations such as https :XX/XX/XXXX and https : XXXX? XXXX. Both locations indicate a sign up bonus of XXXX points after spending XXXX on purchases in the first 3 months of opening the account. After reaching the spending limit I only received XXXX points. Noting this as an issue I contacted Chase cardholder services and requested the remaining XXXX points I signed up for. Each rep that I spoke to said that they did not see the promotion in their system and would have to escalate my request to the marketing team. After waiting for several weeks, I received letters from the marketing team at Chase stating the promotion I am referring to isnt valid and that I would not be receiving the points I earned by signing up and reaching the spending threshold. I have wasted multiple hours on the phone with support attempting to resolve this issue as well as drafting letters to the Chase executive office for further review. I am at a loss and unsure what to do at this point. Is there anything you can do to assist?
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX on XX/XX/XXXX someone tried to open a chase card in my name
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter that tour my credit score apart! Per the law! I can not be denied credit at no time. My credit score was XXXX, before Chase and now it's at a XXXX. And they gave me bogus reasons why I was denied credit. ACCORDING TO THE LAW ... CHASE BANK ISN'T ABOVE THE LAW ... also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open-ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application. Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Furthermore, pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination. Pursuant XXXX XXXX XXXX XXXX and Duties of Banks and XXXX XXXX have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. United States of America! I have attached links to congressional law for reference. https : XXXX 15 USC 1602 hXXXX XXXX XXXX 15 USC 1637 XXXX XXXX XXXX15 USC 1640 XXXX XXXX XXXX 15 USC 1681XXXX XXXX XXXX XXXX 15 USC 1691e XXXX XXXX XXXX 12 USC 1431 The Consumer Financial Protection Bureau has issued regulations under ECOA XXXX These regulations, known as Regulation B, provide the substantive and procedural framework for fair lending. the Department 's authority to prosecute matters extends only to those instances of a pattern or practice of discrimination on a prohibited basis, individuals who believe that they are the victims of unfair discrimination in a credit transaction should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate for purposes of compliance with ECOA are as follows : Consumer Financial Protection Bureau [ CFPB ] : Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates. Also shares enforcement authority with the Federal Trade Commission over mortgage brokers, mortgage originators, mortgage servicers, lenders offering private educational loans, and payday lenders regardless of size. Comptroller of Currency [ OCC ] : National banks, Federal savings associations and Federal branches/agencies of foreign banks with total assets of under {$10.00} XXXX ( the words " National '' or " Federal '' or the initials " N.A. '' or " F.S.B. '' appear in or after the bank 's name ). Federal Reserve Board [ FRB ] : Financial institutions with total assets of under {$10.00} XXXX that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks. Federal Deposit Insurance Corporation [ FDIC ] : State chartered banks with total assets of under {$10.00} XXXX that are not members of the Federal Reserve System. National Credit Union Association [ NCUA ] : Federal credit unions ( the words " Federal credit union '' appear in the institution 's name ) . Federal Trade Commission [ FTC ] : Retailers , finance companies, creditors that are not exclusively assigned to another agency. 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. 1692 ( a ) - Consumer has a right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. So now my social will be used in trading ... Now my credit report is being hit and have taken a drop due to FRAUD, WIRE FRAUD. So therefore my RIGHTS WERE REVOKED DUE TO FRAUD. 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. 1692 ( a ) - Consumer has a right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. { ACCOUNT NAME AND NUMBER } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 15 U.S.Code 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined under the Truth in Lending Act, this transaction must be excluded from your consumer report. All of these laws by the United States of America, government was broken. FDCPA TITLE 15 1692 ( a ) - Consumer has a right to privacy 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) 1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. 1692d ( 1 ) - Threats of violations, or criminal means to harm the reputation or property of any person. 1692e ( 1 ) Any use of any false, deceptive or misleading representation, or means in connection with the connection with the collection of any debt. 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. 1692e ( 3 ) - You can not be a debt collector and an attorney at the same time. 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. 1692k ( a ) ( 1 ) - Allows for any action of damage. FCRA 15 U.S.Code 1681 ( a ) ( 4 ) - Consumers right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer 1681a ( f ) - Consumer reporting agencies - Examples are XXXX, XXXX, XXXX. However there are over 300+ agencies who collect, house , and sell your information. Any person who produces a consumer report would be a CRA. https : //files.consumerfinance.gov/f/docum ents/cfpb_consumer-reporting-companieslist.pdf AFFIDAVIT Notice, it is a fact, affiant is aware { COMPANY NAME } is a consumer reporting agency pursuant to 15 U.S.Code 1681a ( f ) due to their business practices of collecting monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 15 U.S.Code 1681a ( f ) 15 USC 1681a ( f ) 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. { ACCOUNT NAME AND NUMBER } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 15 U.S.Code 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined under the Truth in Lending Act, this transaction must be excluded from your consumer report. 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.3 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. 1681e ( b ) - must maintain maximum possible accuracy. 1681i ( 6 ) ( A ) 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00} 1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate. TILA 15 U.S.Code 1640 ( a ) 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is 2000 dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka R.I.C.O. charges. 15 USC 1635 ( b ) - Right to rescission with the right to keep the property, return of any money involved in the transaction ECOA ( Equal Opportunity Credit Act ) 15 U.S. Code 1691 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ) GLBA Gramm-Leach-Bliley Act 15 U.S. Code 6801 ( a ) - privacy of nonpublic personal information. 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6801 ( b ) ( 3 ) - protect against authorized access or use. 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. 15 U.S. Code 1 - Restriction of trade of U.S. goods. This denial is a restraint of trade in commerce with violating anti-trust laws under 15 U.S.Code 1. This violation can result in a XXXX to the employee to denied trade within the U.S. or XXXX for the organization. 15 U.S.Code 77q - securities fraud 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations. 18 U.S. Code 3571 - Sentence of ( Cost of each ) fine 18 U.S. Code 1001 - Falsified documents 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Color of law, deprivation of rights. 18 U.S. Code 894 - Collection of extension of credit by extortionate means 18 U.S. Code 1028 - Fraudulent use of identification documents 18 U.S. Code 1028A - Aggravated identity theft 18 U.S. Code Chapter 96 - Racketeering 18 U.S. Code 894 - Harming reputation of consumer by extortionate means 18 U.S. Code 891 - ( definitions ) extortionate means 18 U.S. Code 657 - Remittance enforcement 18 U.S. Code 876 - Mailing threatening communications 18 U.S. Code 1341 - Fraud and swindle someone with a false loan 18 U.S. Code 1342 - Fictitious Name of Address 18 U.S. Code 1343 - Wire Fraud 18 U.S. Code 1344 - Bank Fraud 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. OPEN END CREDIT 16 CFR 433.3 ( b ) ( 2 ) - Open end credit arising from a consumer credit transaction. Pursuant to 12 CFR 1002.2 ( a ), Account means " open end credit. '' Your account number is the reference or instrument associated with that open end credit. AFFIDAVIT Notice, it is a fact, affiant is aware and has proof in EXHBIT ( -- ) of my consumer credit contract in accordance with 16 C.F.R. 433.1 ( i ) which is any instrument which shows evidence of indebtedness which is again shown in EXHIBIT ( -- ) from a finance sale or purchase money loan, or cash advance which the affiant has reason to believe and do so believes the financial institution received from the U.S. Treasury, its successors or assigns, because the term open end credit refers to an account which consumer credit was extended. Pursuant to 12 C.F.R. 1002.2 ( a ), Account is open end credit and my account number which is my social security number is evidence of this fact. So now my social security number is being floated around in the trading world! I don't understand, why the FTC, Banking Commission and the Attorney General doesn't know about these fraudulent practices- performed on consumers. It's a disgrace.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A