Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX of this year 2023 I received a statement of some sort from Chase Cardmember services. My eyes popped out of my head when my son opened it and said mom Chase says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX XXXX XXXX and won same type of circumstances. I owe nothing to Chase I've never even stepped foot into a Chase. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. Chase is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX XXXX XXXX you might be a big company trying nto steel from the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for XXXX times or XXXX times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to Chase is STOP fix my credit and I'm suoing you for elder abuse. XXXX contacting state attorney general office, gavins office im going to blow this up.
Company Response:
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 at XXXX I received an email from XXXX XXXX alerting me to a new hard pull on my account. The hard inquiry came from JPMCB Card Services ( Bank ). I did not authorize JP Morgan to obtain my credit information in any form, nor have I applied for any type of new credit or credit cards.
Company Response:
State: OH
Zip: 45440
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is a follow-up complaint of XXXX, which has been closed as Chase has responded on XX/XX/XXXX. In the Company 's response of complaint # XXXX, Chase claimed that there was one-time passcode sent to my phone to verify the known device, but I have not received any text about that on that day. I had the phone with me all the time and I never lost, but on XX/XX/XXXX and XX/XX/XXXX, the date that the fraudulent transaction happened, I NEVER received any one-time passcodes that the Chase claimed that has been sent to me at my phone. On XX/XX/XXXX and XX/XX/XXXX, there were total of XXXX fraudulent transactions happened, but the bills of my cellphone showed NO texts from Chase related to those XXXX fraudulent wiring setup being recorded on XX/XX/XXXX and XX/XX/XXXX. Attached are the detailed billing statement from my cell phone company, and I highlighted the texts that were sent to me on the days that fraudulent transactions happened. None of the texts I received that day contained the " one-time passcodes '' that Chase claimed to have sent to me to verify the wire recipients. Please refer the original complaint XXXX for more details.
Company Response:
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX of last year, I received a sales commission from XXXX XXXX. This commission was earned by successfully promoting the XXXX XXXX brand rights to a local butcher shop, resulting in a transaction worth {$60000.00}. My commission was 10 % of this amount. I have already paid the relevant personal taxes on this income after receiving the 1099, and I have obtained documentation from XXXX XXXX as proof of this payment. In XXXX of last year, I received a letter from Chase stating their intention to close all of my accounts, without providing any reasons. This year, I opened a Chase XXXX XXXX XXXX credit card for my personal business endeavors. However, it was also closed three months later. I sincerely request your consideration of my reinstatement application. I appreciate your time and understanding and am thankful for your attention to this matter.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened my accounts requesting all statements to be in paper form and mailed. I did not receive any for quite sometime. In early summer of 2021 I had to travel to Iowa to help my sister who had a XXXX XXXX XXXX due from the XXXX XXXX. While there I contracted XXXX and was completely unable to manage or conduct any business. I returned home to California in XXXX of 2021. My oldest daughter asked if I could deposit the cash she had been saving and write her two separate checks for the cash. She gave me {$8000.00} cash, which I deposited that same day at the Chase Bank branch located less than XXXX mile from her home. Where I wrote h, er one check for {$5000.00} on XXXX XXXX,2021 and a second for another {$5000.00} on XX/XX/2021. I gave her {$2000.00} extra. On XXXX XXXX, 2021 Chase shows I withdrew {$8000.00} from my savings and shows I deposited {$8000.00} into my checking that same day leaving me a XXXX balance. I NEVER WITHDREW {$8000.00} AT ANY TIME FROM ANY ACCOUNT. I didn't find this until recently after hiring an accountant to look at all my Chase Statements. Which I did not have until I demanded after several other attempts. There are also several discrepancies with transfers to my XXXX XXXX account from Chase and my XXXX transfers to my youngest daughter!
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a joint checking account with my husband with Chase Bank. My limit for deposits using the Chase app is {$7500.00} per month. My husband 's limit for the same account is 7-10 times my limit, depending on the day and activity ( currently $ XXXX ). I have complained about this for months and get answers from Chase that there is nothing they can do and, basically, that the computer sets the limits. I don't care that my husband 's limit is so high ; I simply want a limit that is reasonably for the checks that I want to deposit. I receive a lot of checks during the months of XXXX through XXXX and {$7500.00} is too low. I believe it's a form of discrimination because of the huge difference in our limits when my husband and I have been customers of Chase Bank for the same length of time ( which goes back to when the bank was Washington Mutual ). I am tired of hearing that there is nothing they can do. I have called the executive office and have not received any satisfaction ; in fact, I received a basic form letter yesterday that they have no control over the limits ( copy attached ). I don't believe that to be true. Someone sets up the computer algorithms. The bank doesn't like to hear me claim discrimination but there appears to be no other reason for the difference in our limits. I want to be able to deposit checks that I earn during a period of time and I should be able to do that. ( I know my husband can deposit the checks when I am over my limit but I want to deposit the checks that I earn and I should be able to do that )
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, Chase Bank is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I contacted Chase Bank Credit card customer service over a recorded phone line, in which I was told they did not have knowledge of COVID-19 Pandemic credit reporting protection. No delinquency can be reported to the following credit agencies until after the XX/XX/XXXX due date for my account. Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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: Please see a summary of my interactions with the merchant XXXX XXXX and I would like to formally request to reopen my fraud/dispute case below is a series of facts and information. XXXX ( Stayed at the Hotel ) XX/XX/XXXX, XXXX family and I showed up and reserved XXXX rooms for a cost of {$160.00} each for a total of {$330.00} & it was charged on my credit card ending in XXXX on XXXX XXXX XX/XX/XXXX, XXXX to the unpleasant stay with mildew smelling rooms, issues with the air conditioning and floors that were dirty we were credited one nights stay at {$160.00} on credit card XXXX -- We decided based on this poor experience not to stay at the XXXX XXXX again. XXXX ( Never stayed at the hotel nor authorized charges ) XXXX XXXX never contacted me prior to the charge on XX/XX/XXXX. XX/XX/XXXX, XXXX reviewed my charges daily and I noticed a charged of {$160.00} for the XXXX XXXX XXXX XXXX mobile app for my credit card ending XXXX. I was in XXXX Illinois on this date and I contacted Chase as this was an unauthorized charge on my credit card and I was concerned with fraudulent charges appearing on my credit card. XX/XX/XXXX, XXXX my call, I was informed I will receive a new credit card number and the charge was reversed since I did not authorize the charge, nor was I notified by XXXX XXXX for XXXX reason for the charges. Issued a new credit card number ending in XXXX. XX/XX/XXXX week, XXXX XXXX contacted me from the XXXX XXXX requesting payment as she stated the hotel is up for sale and she claimed I did not pay for my hotel room in XXXX. I let her know that I will look at my bank statements as I do recall paying for the hotel room and this is over 1 year ago when I stayed there. I let her know I will review my credit card and I will call her back. XX/XX/XXXX week, I contacted XXXX back within hours and explained to her that based on my credit card statement from XXXX I do show a payment and a credit for that time. I let her know that I am not authorizing another payment for a hotel. She placed me on hold for over XXXX minutes and never returned the call. Given that Chase had reversed the charge on XX/XX/XXXX, I understood this issue was resolved. XX/XX/XXXX, XXXX bank reversed the credit of {$160.00} that was given to me on XX/XX/XXXX. XX/XX/XXXX, XXXX bank reversed the credit of {$160.00} for the credit the hotel provided to me on XX/XX/XXXX, based on the poor experience. The customer service representative explained that Chase will write off the charge and that XXXX will NOT be able to make any further charges onto my credit card. I reconfirmed as I had concerns with a hotel for making charges years later. XX/XX/XXXX, XXXX bank reversed the credit of {$160.00} from XX/XX/XXXX. XXXX XXXX I contacted Chase XXXX understand why the charge was reversed and after a XXXX minute time I was told because I did use the Hotel in XXXX and I explained further the issue about my call with Chase XXXX XX/XX/XXXX. I had gotten no answers and I had to move on with my day to work. I was also informed that I need to wait for my statement. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX second charge on the date of XX/XX/XXXX, in the amount of {$160.00}. XX/XX/XXXX, XXXX walked into the XXXX XXXX XXXX and a banker called several their internal numbers where he was transferred from fraud then back to dispute back to fraud then disputes. After an hour, he was provided with a fax number that I as a customer can submit for them to re-evaluate the dispute. I was informed there was an issue that it was called in as a fraud not a dispute and confusion that both departments thought the charges were all in the same year of XXXX for a stay in XXXX, which I never stayed at the hotel. I requested documentation that supported their decision and I was informed they did not have any only that because I stayed in the hotel back in XXXX the hotel is able to continue to make charges a year or several years later. Given I have a new credit card I was assured that would not happen and I was informed that on XX/XX/XXXX XXXX XXXX Rebilled the same amount on the old credit card. XX/XX/XXXX, XXXX returned to chase bank and XXXX the documents faxed by the banker who would follow up with me by Friday ( he informed me that it could take up to XXXX hours ) The documentation is what provided above with the facts of the charges. XX/XX/XXXX, XXXX Chase banker contacted me to say the department has not uploaded the fax I sent for consideration of the dispute. XX/XX/XXXX, XXXX banker contacted me to share that he will refax the dispute letter I drafted for the dispute department. I have concerns with this merchant that is allowed to continue to charge an old credit card number XXXX and it continues to be placed on my new credit card XXXX. Overall, I would like to dispute the following charges the following charges : XX/XX/XXXX, XXXX rebill charge of {$160.00} XX/XX/XXXX, XXXX Reversal of the credit issued for {$160.00} for the credit on XX/XX/XXXX. As you look at my credit card statements, for hotel stay that should have only cost {$320.00}, XXXX XXXX has now charged me {$500.00}. Also because the old credit card was paperless, I NOT getting letters for the reversal I am getting an email to look at my statements and notifications but since these charges were reported as a fraud I am not receiving any notifications.
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I contacted Chase to ask if I could transfer XXXX reward points from my Chase Sapphire Card to my Chase Marriott card and close my Sapphire Card. Chase account rep said it would not be a problem. Two days later, the transfer was not completed and the points were returned to my closed account. I was not notified by Chase that the transfer did not go through and I didn't catch this until XX/XX/XXXX. I contacted Chase and they said I had 30 days to use my points on a closed account. I explained that I closed the account based on the advice of the Chase account rep and would never have closed the account with XXXX points. I spoke with XXXX in XXXX. I then followed up with XXXX in XXXX on XX/XX/XXXX, XXXX and XXXX on XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX. Everyone was extremely nice and everyone said they would handle it because it was obviously a Chase mistake. The follow up from each phone call was sporadic and extremely slow. XXXX was the only one that actually said she would call me with a response and she did. I then forwarded my concerns to Chase Executive in XXXX and was turned down by XXXX due to my request being over 180 days old. I explained I have been dealing with their customer service for well over 180 days. I then filed a complaint with the Better Business Bureau and spoke with two more Chase Executive employees in XXXX. Both said they could not do anything due to it being over 180 days. Bottom line, I closed my account solely based on the advice from the original Chase representative. Chase did not fulfill their commitment and I was not notified of their failure. When I contacted Chase about this problem, I was then misled by 5 employees, over a 6 month period, that felt Chase would be able to correct their mistake. Mistakes happen. In my eyes, this appeared to be such an easy fix for Chase that would not cost them a dime to correct and regain a loyal 20 plus year customer. Boy was I wrong.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A