Date Received: 2023-10-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I tried to log into my chase.com account and Im forced to agree to a 125 page document agreeing to very invasive privacy violations. Unless I agree to the document, I cant access my credit card account to make payments. This started for me beginning of XX/XX/2023 2023
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act JPMCB AUTO has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a- Definitions ; rules of constructions- Exclusions-Except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Hi, On both dates XX/XX/XXXX and XX/XX/XXXX XXXX received an email from Chase saying Thanks for requesting a new credit card, also received an Hard inquiry on credit karma. This was NOT me requesting any credit cards. I immediately called Chase at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from credit Karma notifying me of another hard inquiry from XXXX XXXX which I DID NOT request. I will be calling XXXX XXXX on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/26, a bill payment check was deducted from my account for a check for {$1300.00} to XXXX XXXX to cover rent for an apartment. The check was mailed by Chase through the postal service. This is a routine payment that was mailed each month and was endorsed the same by the landlord each month. This check was apparently stolen while under the control of the United States Postal Service and it was fraudulently submitted into a XXXX XXXX account. XXXX XXXX fraudulently allowed the check to be deposited into this unknown account, and CHASE BANK fraudulently honored the check. I filed a fraud complaint with CHASE BANK and they put the money back into my account and told me they would conduct an investigation. I believed this matter to be settled. However, CHASE BANK recently sent me a letter stating that they had not heard back from XXXX XXXX and if they did not hear back within a very short timeframe, they would deduct the funds from my account again. How am I responsible for the fraudulent actions of multiple third parties, including CHASE and XXXX XXXX who did not exercise the proper controls in doing their business? Why am I to lose {$1300.00} because these banks have degraded their response times and service to an almost unrecognizable state? The CHASE fraud department is riddled with mistakes : they initially opened XXXX fraud investigations and gave me double the money back before realizing their error.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023 I went to the Chase Bank in XXXX, RI to close my deceased brother 's savings and checking account. I presented a death certificate, certificate of trust and a will as proof of my legal claim to close the account. The bank refused to close the account. I had to hire a lawyer who presented the same paperwork, on XXXX XXXX, to a Chase bank in Florida, where my brother lived. The Chase bank, in Florida, could not provide a reason why the RI branch refused the request to close the account. I went back to the the RI branch, on XXXX XXXX, and told them about what the Chase bank in Florida stated. I provided the name of the XXXX XXXX person and phone number to the RI branch XXXX who spoke to the Florida XXXX. The RI XXXX looked at the paperwork submitted by the Florida XXXX, which was the exact same paperwork I submitted on XXXX XXXX. On the XXXX of XXXX. I was called by the RI XXXX and informed I could close out the account. On XX/XX/XXXX, I closed out the account. I had the expense of hiring a lawyer and would like to be reimbursed for that expense.
Company Response:
State: RI
Zip: 02891
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB AUTO XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I've submitted documents that show package never recieved dispute is from XXXX and now Chase is telling me its too old. I've been providing documents this whole time trying to get issue resolved. I'm owed {$200.00} and Chase has charged me back for more than my order was even for. They didn't process or take time to work this charge back at all.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023 at XXXX PM I received an email from JPMorgan Chase Bank offering a {$900.00} bonus for opening a Chase Total Checking + Chase Savings account. I clicked on the " Open an account '' button in the email which indicated that the coupon code present in the email would be applied to my account, and proceeded to open both a new checking and savings account. I received a confirmation email that my new accounts were opened at XXXX PM on the same day. The terms indicated that I needed to complete two tasks : 1 ) transfer {$15000.00} in new money to the savings account within 30 days, and maintain the balance for 90 days from opening, and 2 ) set up direct deposit within 90 days of enrollment. For task 1, I transferred money on XX/XX/2023, and am still awaiting the 90 days. For task 2, I had my first direct deposit to the checking account on XX/XX/2023. On XX/XX/2023 I submitted a secure message to Chase inquiring about the checking portion of the bonus, since it had been about a week since I completed task 2. In my secure message, I asked to confirm if the coupon code was applied to my account. I was told that it wasn't applied, and in a subsequent message that it could not be applied since it was more than 21 days since I opened the account. I think this is unfair since the offer email and the account opened email are only two minutes apart, so it is clear that I followed the open account link present in the email. I also think this is unfair because there is no indication whether the coupon code was applied at the time of opening the account, and I couldn't have known it wasn't until Chase failed to pay the bonus well after 21 days when it would be too late for a customer service representative to correct it.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a valued customer of Chase Bank since XXXX. However, on XX/XX/XXXX, I received a notification letter stating that my checking accounts and four credit cards would be terminated by XX/XX/XXXX. The letter did not provide any explanation for the account closures. I have always maintained a positive relationship with Chase and have never had any issues such as overdrafts, missed credit card payments, fraudulent activities, international wire transfers, or any other suspicious activities. I attempted to contact the number provided in the letter, and I spoke with a manager who informed me that a back-office team had reviewed my accounts but did not disclose the reasons for the closure. This sudden account termination has put me in a difficult financial situation, and I respectfully request that my accounts be reinstated. Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and look forward to hearing from you.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A