Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: JPMCB CARD Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals. Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written. 2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I started back to work in XXXX. I was not working from XXXX through XXXX. My first and second paycheck did not include all of my working hours and I will not get the retro pay until XXXX. My paychecks are over {$1000.00} short and I am not able to pay all of my bills at this time. We had a hurricane two weeks ago that I needed to prepare my home and family for so that was a large expense. I also did not get paid for the days we were out of work. I have 10 overdraft fees that I asked to have reversed and the bank declined the request for reversal.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.
Company Response:
State: OK
Zip: 74137
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/23 I contacted Chase Bank for Visa Card, generated on XX/XX/23, starting with # XXXX from JPMCB being generated falsely with my Social and pedigree information. This was a confirmed act of identity theft through Chase Bank. I have already contacted the major creditors to fraud lock my credit accounts and to begin a formal investigation. I have also launched an ID Theft investigation with XXXX XXXX XXXX in NJ # XXXX today XX/XX/23. Chase locked this card and shut it down immediately.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Credit card was fraudulently opened in my name with JPMCB on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and chase XX/XX/2023, no communication from chase and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Company Response:
State: WY
Zip: 82901
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Called JP Morgan XX/XX/15 to dispute charge from XXXX XXXX XXXX XXXX for a ticket never issued therefore constituting an illegal insurance fraud charge. Chase refused to dispute the charge leaving money missing from my account permanently and fraudulently. They also stated " they are allowed to violate XXXX and XXXX laws for wiretapping '' and continued to record me without my consent. Illegal wiretapping is a criminal and civil offense punishable by XXXX - XXXX fines per conviction including jail time.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : JPMCB AUTO XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct 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 ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been charged over {$800.00} in overdraft fees this year. From XXXX I have been charged 9 overdraft fees totaling {$300.00}.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Me and my lady was on vacation in XXXX. We on the beach and all our things got stolen. Its professional thiefs in XXXX that collect people information an us the the information starting identy theft. Our wallets, car keys, cash, purse, my pants and identification. They empty our accounts, opened credit, tried to open several accounts with companys sending us information asking us for more information. It was extremely horrible dealing through this tragedy... We havent trusted to travel or even give information on the phone. Feel comfortable to look at certain emails. It extremely effected our daily living today.
Company Response:
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase closed all my personal credit card accounts leaving me stranded outside the USA. They did not communicate anything with me. They claim " bank decision '' and letter will be sent by mail.
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A