Date Received: 2023-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I went to the Department of Motor Vehicles in XXXX XXXX to apply for a new driver 's license, which to this date, I never received. On XX/XX/XXXXXXXX after checking my bank account balance, I became aware that an unauthorized individual had withdrawn {$1300.00} from my account. On XX/XX/XXXX, I went to my branch to report the incident which they improperly dismissed. Again on XX/XX/XXXX, I returned to inquire why my claim was rejected. This time, I was given the proper paperwork and refiled the claim. Again, the claim was rejected. Their reason for rejecting the claim was that the signature and location matched. I am guessing the reason is that my driver 's license was stolen. Since then, I reapplied and received a new driver 's license. Additionally, the individual who withdrew the {$1300.00} from my account had recently attempted to open another account at a different bank and applied for a credit card at a department store. I believe that the bank could clear this matter up by checking the tapes and they'll find that an unauthorized individual had withdrawn the {$1300.00}.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear Sir/Madam : My name is XXXX XXXX . I am a physician and a recent graduate of small-time law school. I am perplexed at the allowed misrepresentation by the powerful banks that are attempting to profit from money transfers between insurance companies and physicians. Facts : XXXX pays out approximately XXXX XXXX dollars to physicians and other medical services. The credit card companies want a part of this pie ( XXXX percent of XXXX XXXX XXXX XXXX ) by paying physicians with prepaid Visa card/Mastercards. I hope you understand that the medical insurance companies and the banks are violating so many HIPPA laws, violating contractual obligations, and misrepresenting the truth of the matter behind a curtain of " providing speedy payments '' to the physicians. 1 ) Violation of HIPPA laws requires that patients provide consent for treatment, payment, and Health Care Operations Disclosure. This law allows for disclosure between banks, insurance companies, and physician offices. ( IT WAS NEVER MEANT TO SHARE PATIENT INFORMATION WITH VISA CARDS/MASTERCARDS PROVIDERS WHO PROVIDE DATA ANALYTICS TO THE FINANCIAL WORLD! ). Do patients know that the financial world uses client data to make financial decisions? 2 ) Violation of Contractual obligation. The insurance companies provide a fee schedule for any treatments provided by physicians. The fee schedule for example for EM 99291 may be {$180.00} dollars. This implies that the physician will be paid {$180.00} dollars for a particular management. However by paying in prepaid visa cards. NOW the physician is paid not {$180.00} but {$170.00} ( the Visa Card/MasterCard transaction fee of XXXX XXXX or XXXX transaction fees ). This may seem like a small number but over the course of the year, these transaction fees can add up to thousands of dollars in payment loss. 3 ) Misrepresentation : I received a pre-paid card from XXXX. The document states " Patient Payment Enclosed. '' Along with this, it states, the patient 's name, address, account number, date of birth, service date, and {$180.00}. I personally called the patient and asked if he " actually '' paid me. The answer is NO. The patient did not pay me, the insurance company paid me! Furthermore, the patient did not agree to have his personal information shared with the credit card companies! 4 ) Finally, the insurance companies force physicians to accept the payment by providing an expiration date on the pre-paid card. The expiration date would be only XXXX months. I have never been paid in any tender that expires in 2 months! I believe that the BIG Banks feel that physicians and patients are stupid and will never understand what is going on ; however, they are wrong. We are not stupid. I would like the XXXX to inquire and set standards in money transfers between insurance companies and credit card companies! Sincerely, XXXX XXXX, XXXX, XXXX
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On all three credit bureaus there are multiple hard inquiries with the same companys multiple requests within the same Month. These companies have been Ordering additional credit reports when the information was still valid in the prospective time frame for them not to order an additional report. This has caused a tremendous issue in my lowering my credit score. All my account are in good standing. However, due to these hard inquiries it has caused a negative impact on XXXX XXXX XXXX XXXX XXXX. All excessive inquiries should be removed immediately and updated accordingly to reflect a positive status.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Re : All my Chase Credit Card accountsRequest for XXXX XXXX and all data filed with every credit reporting agency. I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Was contacted our company received a grant, we needed to pay the IRS taxes by an electronic money transfer like XXXX XXXX XXXX for the funds to be released by the government. We sent the XXXX} over to the loan officer. We found out that she was not a loan officer, there was not grant. We contacted both XXXX and JP Morgan Chase, that had the money listed as PENDING but said they would not do anything. Reported the scam to the FBI, the agency that the person claimed to be working for as well. XXXX XXXX was the grantor, but in reality, they did not know the alleged employee nor do they have a grant program as the person claimed.
Company Response:
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I responded to a posting on XXXX for some bedroom furniture and a fridge. The prices were within reason and the individual who posted the items ( XXXX ) seemed legitimate. We discussed the items over XXXX 's messaging about 8 times, then switched to coordinating delivery of the furniture/fridge over text messaging and phone calls. I was even provided with the house address of where the furniture supposedly was : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The number the individual was texting me from and called from was : XXXX ( a local number ). We agreed I was going to give 50 % payment upfront and 50 % on delivery of the items. We discussed various payment options and they suggested XXXX XXXX to a number : XXXX. I asked if XXXX would work- to which they said I could send it to their son " XXXX '' and gave me the number of XXXX. I made a test transfer of {$10.00}, they said they received it, then I transferred the remaining {$290.00} ( representing half the agreed amount ). They confirmed receipt and said they would deliver the items whenever i was ready. The next day I attempted delivery and found their profile to be deleted, all messaging to be deleted through XXXX, and they were unresponsive to texts or calls. I immediately contacted Chase bank 's fraud department and they said that XXXX is only supposed to be used to transfer funds to and from friends that you know ( even though it CLEARLY states on their website it is for " XXXX XXXX '' to merchants. The Chase representative said they can not recoup the funds because it was authorized by XXXX. This goes against the XX/XX/XXXX Consumer Financial Protection Bureau issued guidance stating that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. Chase has refused to refund the transfer of funds.
Company Response:
State: WA
Zip: 98258
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Theres a credit card showing up on me while I was in a identity theft case and I reported it and its showing up on my credit report as mine still shows up but its not mine
Company Response:
State: NC
Zip: 27295
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I currently have a check that has cleared in my account and Chase has lifted the hold on said check, yet they're are persistent to further " verify '' this check. Only after being transferred between departments ten different times on six different calls all over half an hour, did I finally find someone from the fraud department who verified the check and created a case number for me to give a branch manager to allow an override so that I can collect my available funds. They have already made the decision to close my account and any time I call back to customer service, they say the restriction can only be overridden by a branch manager but every branch manager says that they have to lift the restriction on the phone and when the two communicate they both say that no one ever created a claim or case for this which i know " XXXX '' from fraud prevention made the case and gave me the reference number last Sunday. I am newly homeless, and have made it very clear to the bank that I can not continue to stay in my car in 100 weather, it is taking a toll on me, I have lost XXXX and have near heat exhaustion every day. This is my only hope to get back on my feet and I can not have them send the funds to my old address. Unfortunately I do not have an address so the branch manager and fraud prevention employee decided to allow me to pick it up as long as they lift the restriction or the other has to do it... It is a ridiculous vicious cycle and Chase is aware of the flaw and they DO NOT have the right to hold my funds indefinitely. Please help me out. I'm begging you to help me before they send it to my old apartment and it is lost forever.
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a fake email saying I opened a credit card from chase bank. I didnt realize it was fake and called the number on the email. I gave them all of my information foolishly. I immediately felt something was wrong so I called chase directly from their website. I explained everything and they said they would cancel the credit card and report it to the credit bureau involved as fraud. I asked chase for information on who did it or what information they had. They wouldnt tell me any details. I have the fake email and phone number of the people posing as the bank. I have the XXXX credit protection and lock but somehow they didnt detect this and gave my report to chase even though my report is locked. So buyer beware, your credit is never truly safe.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: A wire was sent to my account on XX/XX/XXXX and again on XX/XX/XXXX. Each time, Chase, without notice or information provided, held the funds and refused to release the funds into my account despite receiving confirmation from the sending bank. I believe this hold to be founded in XXXX discrimination practices within the bank, based on several customer service interactions I have had dating back to XXXX XXXX, and the bank continues to refuse to release these funds to my account and evade providing additional information.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A