Date Received: 2024-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/year> I received a threatening letter communicating to me that XXXX XXXXXXXX XXXX, a debt collector was attempting to collect a debt allegedly owed to JP Morgan Chase Bank , N.A . and that they will use any information I give them to collect the alleged debt. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After received the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from JPMCB card services that has been charged off as bad debt, but I never received a 1099 from JPMCB showing the debt was discharged. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that JPMCB and XXXX XXXX XXXX the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of JPMCB reporting services.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I transferred money from a Chase checking account to a bank in XXXX ( that uses the euro ) in XXXX of XXXX. The money sat in the account and was untouched until I transferred it back to the same Chase account based in the XXXX in XXXX of XXXX. For each of these transfers I contacted customer service several times and was reassured that the only cost would be modest fees ( < {$100.00} ). I am concerned because the exchange rates Chase used were not consistent with any data I have found online for what the exchange rate should have been at the time of each transfer. On XX/XX/XXXX, the initial wire was sent at an exchange rate of XXXX EUR : USD ( per Chase ). The money was then sent back to Chase on XX/XX/XXXX, at an exchange rate of XXXX EUR : USD ( per Chase ). If I look at the data provided by XXXX and other sources, the dollar should have been stronger on the way into XXXX XXXX - XXXX ( XX/XX/XXXX ), and the euro should have been stronger on the way back to Chase in the US XXXX at XXXX - XXXX ( XX/XX/XXXX ). I have tried contacting Chase through several channels attempting to better understand the discrepancies between any publicly available exchange rates and those used by Chase for the transfers. I have reached out to Chase Bank 's 1-800 customer service line several times, the matter has been escalated to several more senior members of the customer service team, and I have also had separate conversations with multiple financial planners at Chase. No Chase employee has been able to provide clarity on any of the following : ( a ) how Chase determines the exchange rate used, ( b ) why there is such a marked discrepancy between Chase 's rates and those found online ( per XXXX and other sources ), ( c ) why I was not informed that there would be hidden fees baked into the transaction, ( d ) who are the parties involved in the transaction and what are their respective fees, ( e ) where and how Chase discloses to customers the exchange rates that will be used in foreign transfers, and any and all fees ( hidden or otherwise ) involved in a transaction. It has been complete obfuscation at every touchpoint.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing regarding the complaint I submitted on XX/XX/2024. Complaint ID is XXXX. I spoke with XXXXXXXX XXXXl this afternoon. They told me that they received {$490.00} from Chase bank on XXXX XXXXXXXX XXXX XXXX XXXX said that they have not yet received {$400.00} payment from Chase bank which was subtracted from my account.I gave the merchant ARN number XXXX provided by Chase bank.The merchant reached out to their visa representative and confirmed that no payment was received from Chase bank.Could you please do me a favor by asking Chase bank to remit {$400.00} to XXXX XXXX XXXX XXXX inorder to resolve this issue? .You have been so helpful.I really appreciate all of your hard work.
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/year>, I went into the XXXX, Florida Chase Branch as a long time customer and made a very large deposit which they instructed me would be ready on XXXXXX/XX/year>. In the meantime, I have written proof sent to Chase ( my deposit bank ) from XXXX XXXX XXXX that shows the check deposit was cleared- the deposit to be valid and funds were available on XX/XX/year>. We are now 10 days later and Chase has still not approved my deposit but they have earned thousands of dollars in interest which they should not be entitled to. Meanwhile, because of the frozen deposit, I am in jeopardy of being late pay bills on many accounts. Chase should be held accountable to pay the interest lost and any fees or late charges from bills that are unable to be paid while they freeze the deposit. They will try and state CC regulation but that should not apply since we gave them a copy from the XXXX XXXX XXXX which shows they cleared for deposit on XX/XX/year>. Even with this Chase is playing games to hold the deposit and earn interest which they have stolen.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent by registered mail, a letter to JP Morgan Bank on XX/XX/year> for which I haven't received a response from them. The letter outlined concern of fraudulent transaction to XXXX XXXX XXXX XXXX XXXX XXXX. I sent funds to a bank account at JPMorgan Chase bank following the instructions from Fiatvisions who are conducting as a scam. A total of {$110000.00} CAD from my XXXX account was sent to a bank account XXXX JPMorgan Chase Bank. The beneficiary of the transactions is XXXX XXXX XXXX XXXX who provided me no services or goods in exchange for this money. I request Chase Bank to verify the transactions at their end and reverse the fund to my bank account as the money belongs to me and was taken from me through manipulation and faulty advice.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Chase Bank basically has an account under my name. I cant qualify and get an account with them three days ago. The dark web on XXXX XXXX alerted me and they told me that my social has been compromised and that theres a chase account under this persons information and they have their email address and the phone number is the thing. I will also upload that and send it to you so you can do an investigation about this account and get this removed off my name. I really greatly appreciate It
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposit a third party check for {$68000.00} that my tenant receive from California XXXX XXXX to pay arrears on rent for 17 months. I deposit the check on my Chase Bank checking account and 2 days after the bank freeze my account. I go to my nearest branch and they helped me calling fraud department, the ask for a third party verification for the check by a phone number under the name of the person who the check was issued. The person has a family plan so the number didn't match her name, so she needs to buy a new phone a new line under her name. I called but the number still doesn't appear under her name so the bank close my account and the funds were put on suspense until the bank could verify the third party. I called every week with no luck until XX/XX/XXXX, that day on the phone number finally appear the name of the person that the bank needs to verify. The fraud department called the person and she verify everything on the check. The bank worker told me that now everything is fine and that I need to wait XXXX business days for the bank to send me the check. I called back on XX/XX/XXXX to check the status of my request and the bank worker told me that we need to wait about XXXX days that please call again on XX/XX/XXXX to check the status. I called back on XX/XX/XXXX, they told that I need t wait a little bit more because was XXXX to XXXX business days and that was the third business day that please call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the bank worker told me that she didn't see any new info or notes on the request that call back on XX/XX/XXXX. Few minutes later I call again because the response of the bank didn't convince me and the new bank worker told me that she didn't know why all those bank workers told that info on the previous days because the request was declined because the bank worker who open the request sent the information to the wrong department that they need open a new request or maybe need a new verification and start the process again, she transfer the call to a supervisor, I talked with the supervisor, he apologizes for the inconvenience because he knows that the mistake was from the bank side, and says that I need to wait XXXX business days because he open a new request. I made more than XXXX calls from XX/XX/XXXX to XX/XX/XXXX, verification was complete on XX/XX/XXXX and today is XX/XX/XXXX and I don't have the funds neither a date to get the funds and I need to wait several more days to get a new status. Every bank worker told different things every time that I call. I need please your help to get a solution on this and finish this nightmare. I'm behind on my mortgage payments due to the tenant no payments for 17 months. I already do everything that the bank told me to do. i record the last calls if maybe you need me to provide those videos. Thank you
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue. I have already submitted a complaint with CFPB but they called and did not provide what I needed still. they are still refusing to provide what I want only give me email and websites to go out and fill a bunch of paperwork out. No resolution at this time.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Over the last 15 years I have owned my own small business and have worked with XXXX XXXX XXXX with business accounts and loans etc. I have had Chase Bank send me their Ink card information for at least 8 years and finally offered a good opportunity and I applied. My credit scores are XXXX depending on debt payments so very good normally. I was turned down. I am asking you contact them and ask them to take me off their list and I don't want to hear from them every again. I believe their advertising push is misleading and a waste of mail. XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of XXXX XXXX, Jp Morgan Chase XXXX XXXX XXXX, XXXX. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. XXXX. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where XXXX XXXX, Jp Morgan Chase, XXXX XXXX XXXX and XXXX might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. XXXX Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from XXXX XXXX XXXX and XXXX XXXX I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like XXXX XXXX, Jp Morgan Chase XXXX XXXX XXXX, XXXX to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. XXXX. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge XXXX XXXX, Jp Morgan Chase XXXX XXXX XXXX, XXXX to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. XXXX. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that XXXX XXXX, Jp Morgan Chase, XXXX XXXX, XXXX initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. XXXX. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand XXXX XXXX, Jp Morgan Chase XXXX XXXX XXXX, XXXX to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ a reasonable timeframe, e.g., 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A