Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ( XXXX ) sent me a text saying someone is opening account in my name I went onto my credit report so I called the company JPMCB-Card told them this was not me opening no accounts with them they informed me that they will stop the application from going forward. The date was XXXX I called the same day this happened.Now I have a Negative mark on my credit report ( hard inquiry ) open account that I have not asked for..
Company Response:
State: NJ
Zip: 070XX
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I'm writing to appeal the result of the investigation regarding the {$5000.00} transaction on my Chase card. As explained during the previous phone call, my phone was robbed unlocked on XX/XX/XXXX in XXXX, NJ. I reported to the police right after the incident happened. Please see the police report attached ( CASE NUMBERXXXX by XXXX XXXX ). The XXXX later used my phone ( which I no longer had access to at that time ), made the {$5000.00} dollars transaction. As soon as I was aware of that, I called Chase immediately to report fraud and stop the transactions, and I also visited Chase local branch ASAP to close my back account, and made it clear to the staff : this {$5000.00} dollars transaction was NOT authorized by me. Regarding the timeline, my phone was taken XX/XX/XXXX, and the transaction date was XX/XX/XXXX, which is after the I reported to police. This can further prove the transaction was done by the XXXX using my old phone and these transactions were NOT authorized by me. The research result shows the transactions were valid purely based on the correct address, which is not a sufficient proof that the transaction was authorized by me. Also the amount was large, address couldnt be the only validation done to verify the transactions. I also reported fraud to Chase immediately after I was aware of the fraud. According to the Electronic Fund Transfer Act, if I report the fraud within two business days to Chase, Chase must provide the refund. Please kindly reconsider this case with the proofs I submitted. Feel free to reach out to me with any questions. Thanks
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: The companies that are involved are chase bank and XXXX by XXXX XXXX. On the letters it said this all start XXXX and XXXX They all were savings accounts and transfers. I called both companies to let them know that I did not apply for any credit cards, nor did I open saving accounts.
Company Response:
State: NY
Zip: 11520
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: Managing an account
Subissue: Cashing a check
Consumer Complaint: Three times in a row, my bank has been taking more than 10 business days to deposit a check.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: JP Morgan Chase froze my checking account today. They would not tell me anything except that in 10 business days my account will be closed, 10 business days after that I will receive a cashiers check, and I will receive a letter in the mail. They refused to give me any other information. I spoke with 5 different people in the fraud department today and they all said the same thing as noted above. My problem is that I had {$24000.00} in the account which is all the money that I have. I have no money to pay my bills, for food, or gas for my car. What can be done to get them to release my money immediately? I can not wait 20 business days to receive at check.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
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 have a couple of accounts that I have never had that's under my inquiries
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-10-12
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: I applied for a JP Morgan Chase Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-12
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: Card opened without my consent or knowledge
Consumer Complaint: I got all of my belongings stolen XX/XX/XXXX and my wallet had my social secuity card, drivers lisences, etc. inside of it. Now these people are applying for credit cards from Chase ( XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX ). All of the companies have either called or sent letters in the mail that I have filed an application for a credit card ( when I have not at all ) it was the people who stole all of my belongings trying to file credit cards under my name.
Company Response:
State: IA
Zip: 515XX
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: 2023-10-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I responded to an ad on XXXX for an apartment. The poster responded and we communicated via email and text. The poster provided a video of the unit and a utility bill with his name on it. I sent XXXX payments via XXXX XXXX through the Chase Bank app ) that totaled {$2300.00} ( {$1000.00} security deposit and {$1300.00} for first month rent ). We agreed to meet at the property on XX/XX/XXXX so that I could get the keys. However, he never showed up and stopped responding to my texts. I knocked on the door of XXXXne of the building tenants and that person called the owner of the building. The owner confirmed that there were no units available for rent and that I had more than likely been scammed. She mentioned that something similar to this happened about a year ago.
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello -- In XX/XX/2023, I closed a saving account with Chase bank. When I went to access those records in order to complete my taxes, they had disappeared. Chase claims that I am not entitled to those records once the account is closed. That is ridiculous. Chase tried to pull the same thing 5+ years ago when I closed another account. That time I went to a branch office where staff said they could print out records at a cost. I complained to the manager and threatened to file a complaint, and suddenly Chase made those records available to me. These are my records and I am entitled to them for a reasonable amount of time, even if the account is closed. I continue to have a Chase checking account and two credit cards owned/managed by Chase. The cost to Chase to give me online access to those records is negligible. The IRS can demand records for 7 years. I must have access to those records for tax purposes. I should not have to pay Chase per page for my records. That reeks of extortion. How many customers are being forced to pay per page for their records?
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A