Date Received: 2023-09-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/2023 I attempted to open a chase checking account, but was not given any information why I could not open the account
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/2022 Chase bank allowed XXXX XXXX XXXX to take {$750.00} to pay off an account that was not authorized by me. Chase claims the person had my debit/bank card, immediately when the charge came through, I cancelled the card and reposted the fraudulent charge. After speaking with XXXX XXXX XXXX they acknowledged the person was out of state and the email address that was used for the payment, was returned indicating the email address was incorrect. Both XXXX XXXX XXXX and Chase blame each other and neither would accept responsibility and blamed each other back and forth during the 30-60 days when I disputed the charge.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There was an inquiry for a credit card done under my name on XX/XX/2023 through JP Morgan Chase that was not authorized by me.
Company Response:
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: This complaint outlines multiple concernsirregularities, ethical lapses, and legal shortcomingspertaining to a vehicle sale contract executed with XXXX XXXX XXXX on XX/XX/2023. I was XXXX due to XXXX XXXX at the time, a state substantiated by XXXX records and a XXXX XXXX XXXX XXXX. The dealership further compromised the contract through misrepresentation and a lack of due diligence. Background Incapacity to Contract : My XXXX XXXX episode is supported by XXXX reports and a XXXX hold. Dealer 's Misrepresentation : Despite XXXX miles on the odometer, the vehicle was inaccurately presented as new. Lack of Due Diligence : The salesperson facilitated the transaction, ignoring clear indicators of my XXXX state. Details of Complaint Incapacity to Contract Timeline : XXXX and the XXXX hold occurred in close proximity to the transaction date. Medical Evidence : Multiple XXXX reports and XXXX XXXX corroborate my XXXX state. Misrepresentation of Vehicle False Information : The car 's XXXX miles contradict its " new '' label. Consumer Impact : This misrepresentation materially influenced my decision to contract. Lack of Due Diligence Unethical Conduct : The dealership facilitated the transaction despite blatant signs of my XXXX. Harmful Consequences : I am now burdened with an unlawful contract, facing considerable financial distress. The actions of XXXX XXXX XXXX stand as both ethically and legally dubious. I urge the immediate intervention of the CFPB in this matter.
Company Response:
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to JPMCB AUTO XXXX. 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 JPMCB AUTOs customer service representative.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/23, I filed a CFPB complaint against Chase bank because they would not release the funds from my closed checking account. The ID for my initial CFPB complaint is XXXX. Subsequent to my initial CFPB complaint ( via numerous phone calls to Chase 's fraud department and trips to my local Chase bank ) and in my initial CFPB complaint, I explained many times to Chase bank that the money in my account was rightfully mine based on the evidence I had however in the end, Chase bank would not accept any other remedy other than requiring me to obtain an affidavit from an attorney. Because this was non-negotiable, I had to spend approximately {$1900.00} + {$190.00} ( initial consultation ) to get the affidavit. Afterwards, Chase bank did ultimately release my funds which proved the funds were rightfully mine the entire time and as such exonerated me from any perception of wrongdoing. I did not give the attorney any information that was different from what was available to Chase therefore Chase placed an unneeded and unnecessarily burden on me for no legitimate reason. As such, I am demanding Chase bank reimburse me for the total amount of {$2100.00} for lawyer fees that I had to pay out of my pocket. I am offering Chase the opportunity to settle this matter before I pursue further litigation.
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: A restaurant who uses JP Morgan Chase as their bank issued a refund to me using Chase Payments. Chase Payments is a mobile and web-based tool that provides companies the ability to pay their customers using an email address. Chase Payments allows customers to accept payments electronically from any company that uses Chase Payments. The restaurant, nor JP Morgan Chase tell you up front that you are opening an online Chase wallet when you register with Chase Payments to electronically receive the payment from Chase Payments into your own bank account. Once you register and create the account, it's too late. There is no way to close the account. I read the Privacy Notice, Terms of Service, and called their customer support line for Chase Payments multiple times. There is no information to the consumer on their right to close this online wallet or how. When you call their customer support they say they have no idea. So, I now have an online wallet with Chase that I do not want and can not close. Had I known this was an online wallet I would never have registered to receive the payment. Consumers should know up front that they are creating a wallet when they register for payments through this service. There should be an option under the profile area of this wallet that allows a customer to delete the account. I want this wallet deleted immediately.
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: company never sent out letters and Due to multiple XXXX I was unable to communicate with anyone from the bank.
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2011 credt card reversed fraud purchases, closed card and issued new card. Credit card fraud team said they reported to XXXX. XXXX, and XXXX. Frequent contact with credit card fraud team {$740.00} total of Fraud purchases all reversed by credt card company
Company Response:
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase deleted an ACH external account that I transfer money due to fraud risk ; However after instructing them to add the specific account they have failed to show any effort to initiate the addition - No proof of micro deposit provided to client. - No communication between Chase and XXXX XXXX - No information exchange between Payment team and Technology team trouble shooting the info. Instead they are asking the client to provide more screenshots ( already provided screenshot of online error message )
Company Response:
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A