Date Received: 2024-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX XXXX XXXX there were 2 Fraudulent Charges on my Chase XXXX Credit Card from the Company named " XXXX ''. I did not notice these charges immediately, and I admit I wasn't managing my account like I needed to. I had no purchase Alerts or Fraud Alerts set on my account, but was just paying monthly bills and trying to build business credit. In XXXX of 2023 I noticed the 2 Fraudulent Charges in the amount of XXXX, and XXXX totaling XXXX. I called Chase and said these charges were fraudulent, and Chase later told me that I did not report these in the correct number of months, so they assumed I had a previous relationship with this Client. I have contacted my Local Police Department at XXXX, and they will be giving me a Report # once Chase has given me a final decision. The case has been opened up again per a representative that I talked with this morning from Chase Bank. I would please like the XXXX reversed back into my Card account as a Credit and not a purchase. I would like original documentation and signatures provided for proof.
Company Response:
State: OR
Zip: 97322
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a distressing situation I have encountered with my Chase Bank account. I am reaching out to express my dissatisfaction and seek assistance in resolving the matter. On XX/XX/, I fell victim to a XXXX scam where the perpetrator falsely claimed to be from XXXX. They suspended my cell phones on the account and requested payments to reconnect the service. Unfortunately, I unknowingly transferred funds from my Chase account under the belief that I was making a legitimate payment. It later came to my attention that this was a fraudulent transaction, and I promptly reported the incident to both XXXX, XXXX and Chase Bank. The amounts in questions are for 2 transactions with the amounts and the transaction ids {$310.00} {$670.00} XXXX payment to XXXX XXXX XXXX payment to XXXX XXXX Despite my immediate action and diligence in reporting the unauthorized transaction, I am disappointed to inform you that my efforts to recover the funds have been unsuccessful. I am troubled by the financial loss resulting from this unfortunate incident. I understand that maintaining the security of online transactions is a shared responsibility between customers and the bank. However, I believe that as a loyal customer of Chase Bank, I deserved a more proactive and supportive approach in addressing fraudulent activities, especially when it involves unauthorized transactions through XXXX. I kindly requested that Chase Bank thoroughly investigate this matter and expedite the process of refunding the funds to my account. The Fraud Claim # is XXXX. I am more than willing to provide any necessary information required to assist in this compliant. I trusted that Chase Bank values its customers and was committed to resolving this but unfortunately did not. I been going back and forth with XXXX and Chase for months. Chase Bank close my Fraud claim without making any attempts to contact me so was left thinking the this issue was still being investigated for months. Chase is saying they can not refund these charges because it came from the same IP address and Face ID token. The XXXX transactions were done on a computer not a mobile device and I was scammed. After escalating this to their management, they still will not refund these debits. I'm at a lost and I just recently lost me job on XX/XX/ and desperately need the money. Thank you for your understanding and cooperation in resolving this issue. I look forward to a favorable resolution.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/2023 I received a wire transfer of about {$8200.00} from a company that I regularly do business with. I have been receiving transfers like this on a monthly basis for about XXXX XXXX. A XXXX XXXX after receiving it, I logged into my business XXXX account with JP Morgan Chase and the {$8200.00} I had received was gone. I did not receive any communication from the bank about this Transaction. In addition to the money disappearing, my account was frozen, and scheduled to be closed. Again, I did not receive any communication from JPMorgan Chase about these actions. Upon further investigation, JPMorgan Chase has shared with me that they believe the company who sent me the wire is suspected of fraud. There is currently no evidence to support that claim. Even if they was, that doesn't give the JPMorgan Chase the right to steal my property from my account. To try and resolve this problem, I have created cases with the XXXX department the XXXX XXXX department, in the electronic money movements department at JPMorgan Chase. The case numbers are as follows : XXXX & XXXX. This issue is still unresolved, my money is still missing, and my account has been closed, and my XXXX XXXX was impacted because I missed a payment to a credit card without realizing it. The sad thing is, I am an employee at JPMorgan Chase. Even with my ability to reach out to contacts internally at the bank this issue has still not been resolved. this is exactly why People are flocking to decentralized finance solutions in droves. Give me my money back, and stay out of my account.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To : JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ATTN : XXXX XXXX XXXX, Indentured Trustee RE : Chase Auto My name is XXXX : XXXX, the authorized representative of the persons/entities XXXX XXXX XXXX am writing this letter of complaint to the Consumer Financial Credit Bureau and XXXX XXXX XXXX XXXX, concerning securities fraud violations of agreements submitted on the Securities & Exchange Commission, by way of, stealing principal , dividend , and interests payments on debt securities, submitted to the JP Morgan Chase, Indentured Trustee, for the account XXXX The above principal name, XXXX XXXX, previously named, XXXX XXXX, has been an investor with JP Morgan Chase since XXXX. Since then, the principal, has been issued several registered securities, sent to the Indentured Trustee, for satisfaction and discharge, which have been dishonored and stolen. The principal/agent, who is also an investor, issued a security instrument, a first series, XX/XX/XXXX, certified number XXXX. A complaint had to be filed with the CFPB to enforce a response, of which the claim was made that they do not accept that form of security instrument. Please refer to the section of the indentured agreement, Article 3, Covenants of the Issuer and the Guarantor, states that the Issuer agrees to render payment of registered securities and coupons delivered to the Trustee, will be paid to the Guarantor, which will be the creditor/investor. JP Morgan Chase dishonored the coupon, of which their indentured agreement states they will honor, violating the Indentured Trustee agreement and the Indentured Act. JP Morgan Chase, also further stated, they will continue to dishonor and ignore any further correspondences. However, they have kept the security and stolen it. A second security was sent directly to the Indentured Trustee, certified number : XXXX, to the Trustee name, XXXX XXXX XXXX, who is the Chief Financial Officer. The security was picked up XX/XX/XXXX. This information was faxed to JP Morgan Chase Executive Office, which they have further dishonored and violated. A correspondence was sent to JP Morgan Chase, showing the imperfection of the lien on the real property, which according to Uniform Commercial Code, Article 9 Section 3, Perfection and Priority. A UCC11 Certified search, revealed no valid liens on the vehicle. No response has been received, despite frequent phone calls. A third series of registered securities was sent to the Trustee, XX/XX/XXXX, XXXX XXXX XXXX XXXX US, delivered XX/XX/XXXX. However, dishonor occurred again, and violations of the Indentured Agreement occurred again. JP Morgan Chase has adversely placed an action against the guarantor/creditor of the security. With the information released on the XXXX XXXX XXXX XXXX website, the prospectus details how JP Morgan Chase processes the securities. A collateral security in the form of a note, which is any debt security, auto loan note, credit card receivables, and convertible stocks, which are obtained through access to the guarantors trust, by way of the social security number and signature on the security instrument. The contract signed by the guarantor, XXXX XXXX, conveys that JP Morgan has a security interest in the transaction. These security instruments are pooled, with the rights of the Holder, transferred, and sold on the primary and secondary markets. These notes, according to the Prospectus report, are pledged to the U.S. Treasury and are placed on book-entry according to General Accepted Accounting Principles ( GAAP ), with the Depository Trust Company for positive credit, received each month with a positive billing statement. The security instruments have performed the obligations and as an investor, requesting that the payments, interests, and dividends under the Indentured Agreement be obtained. The origination of the transaction was not perfected, with no interests on the real property. I hereby demand the obligations of the duties of the Trustee to perform and JP Morgan to reverse any adverse action that occurred as violation of the policies of their agreement and the Uniform Commercial code. Pursuant to UCC 5-108, UCC 9-311 , UCC 9-313, UCC 9-305, UCC 3-603-604, UCC 9-312, UCC 3-206 , UCC 12 347 , UCC 3-203, & 18 U.S.C 8. https : XXXX https : XXXX
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX a friend of mine from Soccer, XXXX XXXX sent me XXXX by XXXX that he owed me for some avocados. On XXXX XXXX I received the email below. - Hello XXXX We've deactivated XXXX for use with XXXX because it can't be used to send or receive money. We apologize for any inconvenience this may cause you. We appreciate your business. Sincerely, XXXX XXXX So that same day I called XXXX XXXX Customer support. The person who took my call said that all she could tell me is that, I made a transaction which broke the terms of my agreement with XXXX, and it was for a XXXX. I asked for more details to identify the transaction, I specifically asked for the date, and if I was the sender or receiver (so I could narrow it down). She said she could not give me any further details. I also asked her which specific XXXX policy I had broken. She said she did not know and couldnt tell me. She said the only thing I could do was call XXXX directly because it was a XXXX decision and they are a Third Party service provider to XXXX XXXX AND, I could go to the XXXX XXXX and talk to a banker who could review my account and submit a request for the restriction to be removed. Ok, I called XXXX They have an option to speak to someone regarding ONLY the XXXXXXXX XXXX and when you go through the phone voice menu for problems with restrictions, they sent me back to my bank. So, I go to the XXXX XXXX branch on the same day, located at XXXX XXXX XXXX XXXX. I sit down with XXXX XXXX XXXX XXXX Branch Banker). He reviews my account, and sees that my XXXX is restricted with no explanation. He says, (from his experience) this happens when there is a fraudulent transaction on XXXX. After reviewing my account and seeing no evidence of fraud, he submits a request to have the XXXX restriction removed. That same day he send me an email that my XXXX service has been restored. (below) ______________________ Good afternoon XXXX, This is XXXX from XXXX XXXX to let you know that your XXXX is back to normal. XXXX Regards, XXXX XXXX | Banking Associate | XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider the environment before printing this e-mail ____________________ Great right! I actually didn't even check right away to see. Why would I? I did nothing wrong. But that night I tried to access XXXX to see, and it wasnt working. So I sent XXXX and email and followed up the next day. XXXX XXXX. A couple back and forth emails, him saying hes looking into it, then try again. XXXX XXXX email. (below) - Good morning XXXX Unfortunately you won't be able to use XXXX anymore. The bank reserves the information for which they do not allow you to use the application anymore. So you will need to choose an alternative payment method. XXXX Regards, XXXX XXXX | Banking Associate | 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 Please consider the environment before printing this e-mail OK, now Im frustrated. I responded to him saying how can this happen without explanation? Never heard from him again. XXXX XXXX I call XXXX again, This time I started with XXXX XXXX support just to get a live person. They again told me that it was my banks decision and they couldnt give me any details, but they transferred me directly to XXXX XXXX XXXX XXXX XXXX. The first person I got on the phone says there is nothing I can do and I just cant use XXXX anymore using my personal email XXXX or my cell phone number, or with any XXXX XXXX account. And he suggested I use another service provider like XXXX or XXXX. I send, and receive a lot of money from my personal account using XXXX, and for my bank to arbitrarily cut me off from use without explanation and without any due process or process of investigation, I find ridiculous. So I told him that I wanted to speak to his supervisor. He put me on the phone with a polite lady, who tried to help me out. I pressed her on more details of the transaction in question because I still had no idea ( I have many XXXX transactions, sent and received). She told me it was the transaction I 1st referenced above, the receipt of XXXX from my soccer friend. She told me that the account holder had disputed the XXXX transaction with his bank, which was Chase Bank. I immediately told her that this is a person that is a friend of mine and Ive played soccer with him for over 10 years and its clearly a mistake because he would never dispute that transaction knowingly. So then I asked her what evidence she would need to get the restriction removed, her response was two part. First, she didnt know what documentation or evidence would be sufficient to prove that the dispute was erroneous. Secondly, she told me that since XXXX had already requested that the restriction be lifted, and that request had already been denied, that was my only chance to overturn the decision, and so she did not believe that the decision would ever be overturned. I was starting to get very upset. First, I explained to her that that cant be my only chance to overturn this ridiculous decision, because I was never given the information about the transaction in question to be able to understand, and provide any evidence to the contrary. Second, I asked her How can that be a fraudulent transaction when I didnt initiate a request through XXXX XXXX platform for the money to be sent to me? Rather, my friend found me on XXXX knowing my cell phone, and sent the funds to me. I further explained that, without any system of due process, anyone who has someone elses first name and cell phone number could intentionally XXXX them money, and then call their bank and claim fraud just to block that persons access to XXXX Thirdly, I explained that XXXX XXXX needs to fight for me because I am XXXX XXXX customer, and if I can provide indisputable evidence that the transaction was not fraudulent, then XXXX XXXXXXXX must restore my access to XXXX service. Without her able to make any suggestions or recommendations as to what evidence I could provide to overturn this decision, I asked her if I could obtain a notarized letter from my friend stating that he had not disputed the transaction or that, if he had, that it was an error, then would that be enough? She said she didnt know, but I could try it, and if it was a notarized letter is better than a letter that wasnt notarized. She said you can try. Get the letter and bring it to the branch and have them upload it into our system, I cant guarantee that anything will work. OK, well at least now Im sure about the transaction in question and Im feeling slightly relieved that I know the person who sent me the money intended to send me the money and Im feeling confident that once I have this explanation letter in my hand that I will have my service with XXXX renewed, and I will eventually be a happy camper so I push forward and I call my friend and explain to him what was happening. His first reaction was that he had no idea because he never dispute the transaction. So I asked him for a notarized letter stating the same and fortunately the next day we play soccer together so he could bring it with him. Agreed. Two minutes later he calls me back and he apologizes profusely because when he logged into the account, he could see that the transaction was disputed and he remembered that it was a joint account that opened with his son when his son was a minor. He called his son and found out that his son disputed the transaction because he didnt recognize my name and thought that it might have been one of his friends who is also named XXXX and so his son called up Chase and dispute the transaction. He immediately called his son and had his son called Chase and removed the dispute. Then, he wrote a letter thoroughly explaining the nature of the error, with all the details, and clearly stating the dispute was an error and NOT fraudulent, had it notarized. At this point, Im thinking checkmate. Not only is it clear that the initial dispute claim by Chase was made in error, but I have a notarized letter from the account holder stating that the transaction was legitimate and intentional. XXXX XXXX I get the notarized letter in my hands. And emailed to me. XXXX XXXX I go back to the branchXXXX XXXX is not there. So I follow up with another XXXX XXXX XXXXXXXX XXXX XXXX. I explain absolutely everything that happened again and I forward him the letter. He reopens the case and uploads the letter. And then later that day calls me and says that my appeal has been denied again despite the letter, and that I should pursue XXXX XXXX, or XXXX or some other service. Of course, he apologizes profusely because of the ridiculousness of the situation. I quickly call XXXX XXXX again, blow past the first representative who claims nothing can be done, and Im transferred to XXXX who is a supervisor. I again explain everything that happened since the beginning I confirm with him that XXXX XXXX XXXX department has received the letter, and I tell him that its unfair, unjust, and I want him to get that decision overturned, I explain to him the nature of my relationship with XXXX XXXX including over XXXX of deposit accounts that are not bearing interest through all of my accounts and he acknowledges all of those things and says that hes going to do whatever he can to restore my access to XXXX and he will follow up with me either with a phone call or with a secure message. Please see below the secure message that I received on XXXX XXXX _______________________ Dear XXXX XXXX Thank you for contacting us in regard to your SendMoney with XXXX profile being restricted. I further escalated your concerns to our Digital Detection Team for further review and they have advised that you will need to choose an alternative payment method by which to send people monies. This could include other third-party services such as but not limited to: XXXX XXXX XXXX XXXX etc etc. If you have any further questions, please contact us via email or call XXXX to speak with a XXXX XXXX On-Line Specialist, 24 hours a day, 7 days a week. RegardsXXXX XXXX XXXXXXXX XXXX On-Line Resource Officer ________________________ At this point, Im thinking to myself. Is there anything else I can do before initiating a class action lawsuit against XXXX XXXX XXXX and Chase Bank. I reached out to a personal contact who works for XXXX XXXX for a long time and explained everything to him. His email response below ______________________ XXXX, We spoke with our operations team regarding your XXXX deactivation. They explained that Chase initiated the fraud alert for the XXXX payment and they notified XXXX You will need to reach out to XXXX and/or Chase. Sincerely, XXXX XXXX I then called my friend and asked him to get a letter from Chase stating that Chase acknowledged that the transaction was not fraudulent. made several requests over the phone and in the branch and was promised many times that a letter would be sent to him directly as well as emails. So that we have something in writing confirming that Chase had changed and withdrew the fraud claim. unfortunately, we never got those letters from Chase. since late XXXX I have not pushed very hard on this topic because I had more important things to do and I was waiting for these Chase letters that never arrived for my friend. However, I started following up again early January and on Thursday, XX/XX/2024, I initiated a three-way call with Chase claims department, and my friend whos account is at Chase that we could verify the status of these letters that were supposedly coming to my friend and see if Chase was able to resolve the problem for us based on the feedback I received from XXXX XXXX (that only Chase was able to undo the dispute and report to XXXX so that XXXX could restore my access to XXXX service. after another grueling hour and a half on this three-way call in which the chase representative promised a resolution, we were disappointed that the representative said that he cannot change the case, or the claim of fraud, because the case had already been closed, and the only ones that can restore my access to XXXX is XXXX XXXX Although this representative did not know, or could not verify that XXXX was in control of this process, and he could not edit the closed case, he said that he put notes on the Chase claim number stating that the Chase Client had verified that the transaction was not fraudulent. I asked him how XXXX would ever be able to retrieve that information if it was not transmitted by Chase to XXXX because all these claim numbers that he was giving us were internal chase claim numbers? he said that he could not transmit any data to XXXX about this case or any other claim regarding this transaction and that I needed to go back to XXXX XXXX again so that XXXX XXXX could resolve the issue with XXXX For the record, please find below the Chase internal claim numbers. XXXX Original claim number, Closed, cannot be re-opened or edited Chase Rep Ali (refused to give an employee ID number, but said hes the only Ali in the claims department, which should be good enough for me) Short inquiry claim number XXXX a new claim number which documented our phone call. He also promised, yet another letter would go out in the US mail to his client, as well as an email to confirm acknowledgment that there was no fraud, but that Chase refused to update XXXX records, or withdraw the original claim despite its erroneous nature. Chase a fraud claim against me to XXXX and XXXX At this point, Chase is presently aware that the claim was factually incorrect and that I committed NO fraud, yet they refuse to update XXXX and XXXX to correct the record, and they refuse to make any effort to restore my access to XXXX due to the incorrect fraud claim. Summary XXXX has become an integral part of banking and a service offered to almost every banking customer across the majority of US banks as a benefit of the banking relationship. I have people who depend on me to send them payments by XXXX for monthly services. I have people who want to pay me by XXXX It is part of my business and my personal life, Ive done enough research to know that a lot of banks are taking heat right now due to XXXX related transactions that are fraudulent where the banks are not able to undo transactions for their customers when the customers believe there is fraud, and I understand that banks must err on the side of caution. However, to deny banking customers access to XXXX service with no evidence, and only an accusation of fraud, and to accuse that customer (me) of breaking the terms of my service agreement, with XXXX is 100% wrong. Furthermore, with no transparency or clear process to undo simple errors is unfair to consumers like me who have done nothing wrong. To continue the farce in light of indisputable evidence that the transaction was not fraudulent, and a retraction of the dispute by the person who made the dispute in the first place, is completely absurd. Not only has my XXXX service been denied with XXXX XXXX, but now across all banks. I cannot use XXXX with my name, cell phone, and personal email with ANY bank, which is why I believe that it is not only a XXXX XXXX or Chase Bank issue, but a more centralized issue with XXXX and XXXX which we all know are owned by the big banks. As I said, before, if this is the Modus apparatus, it means that anyone with your cell phone number and or email address associated with your account, and your name could send you XXXX dollar by XXXX dispute the transaction, and thereby, either fraudulently and tortuously, or erroneously, have your XXXX service removed, and not only with your bank, but with all banks who know your email address and cell phone number, forever! And worst of all, with no due process or resolution process whatsoever. I have proven that there is no fraud, I have proven that there was no intent of fraud, I have proven that I have not violated any of the XXXX policy or terms of service, and yet I am being denied service that millions of Americans have access to because my bank will not fight for me. now when people ask to XXXX me money, or if I can sell them money I have to say no I cant because I am denied access from XXXXXXXX due to fraud, and the Scarlet Letter is assumed to be on me. It is unfair to deny consumer services offered to millions with no due process. the banks point the finger at each other and XXXX however, they are the owners of XXXX and XXXX This is clearly intentional so they can deny any direct wrongdoing and pass the buck and avoid direct liability, which is why I think the CFPB should hold the banks accountable for the actions of XXXX and XXXX And force banks to have a transparent dispute resolution process that protects consumers against denial of service based only on accusations. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. My personal financial information is private and non public. The Gramm-Leach-Bliley Act ( GLBA ) focuses on the privacy of nonpublic personal information held by financial institutions. Under the GLBA, financial institutions are required to provide consumers with privacy notices that explain their policies and practices regarding the sharing of nonpublic personal information with non-affiliated third parties. XXXX, XXXX and XXXX are PRIVATE companies that are non affiliated. My personal financial information is private. Furthermore, the GLBA generally allows consumers the opportunity to opt out of certain information-sharing arrangements with non-affiliated third parties. Financial institutions are obligated to inform consumers about their right to opt out and provide a method for them to do so if the institution intends to share nonpublic personal information in a way that triggers this opt-out requirement. JPMCB never contacted me about these accounts being opened. They never had my personal verbal or written consent. validation of my name, address, phone number is not sufficient evidence that I ever opened these accounts with my personal knowledge. I ask JPMCB to show me proof that they have my consent or permissible purpose to report and cause me damage. In so ruling, the XXXX XXXX concluded that a consumer alleging a willful violation of the FCRA does not need to prove actual damages to recover damages of not less than {$100.00} and not more than {$1000.00}. and under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX proves that a contract doesn't establish proof that a debt is owed.
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent late payments on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Accounts 1. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete the late payments on this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. Thank you, XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I requested to opt out of VAU ( Visa Account Updater ) : - Chase / VISA sent my new credit card number to several vendors as 're-ocurring " payments. which they are not! - Chase / VISA sent my new credit card number to vendors who I do not longer have an account with ( so i can not go into the vendor and ask to remove ). This is because i sold a business in the last 6 months, and those accounts were transfered to the new owner. - I do NOT have re-ocurrning payments set up via a credit card. For any vendor, i go in manually, review a bill, and pay monthly. CHASE/VISA should NOT arbitrarily determine what is a re-ocurrning payment, vs a payment that I authorize monthly. - CHASE/VISA should NOT and do NOT have my authorization to update credit card numbers with vendors. I called about 7 times, and opting out of VAU does not appear to be an option with CHASE/VISA>
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I received a fraudulent transaction for {$22000.00} on my credit card, which I later learned from Chase was a watch from the vendor XXXX ( XXXX ). I reported this transaction immediately, and my card number, ending in XXXX, was canceled- also, my XXXX account was bombarded by newsletters from all over the world. Scammers do this to prevent the user from noticing alert emails. I received a text message from Chase, where they stated the transaction was declined. According to XXXX, a replacement card ( ending in XXXX ) was issued and sent to my home address in XXXX XXXX, NY, on XX/XX/XXXX. On XX/XX/XXXX, I noticed a suspicious transaction in my credit card activity. I called Chase immediately to report this again, and as I was talking to their team over the phone, a fraudulent transaction was being executed in XXXX for {$250.00}. That card was canceled again, and a third card was sent to my home ( XXXX ), which I received. The Chase team told me that the XXXX card was delivered, according to a XXXX proof of delivery, to my XXXX home on XX/XX/XXXX at XXXX XXXX, and it was being used in XXXX, GA, the next day. I have cameras at home, and that card was never delivered- it was stolen and not from my mail. In the end, XXXX transactions for {$360.00} were done with that credit card - all of them reported to Chase in a timely manner and removed. When you check the delivery details, it says it was delivered to XXXX, NY- not my house in XXXX XXXX, NY. On XX/XX/XXXX, all the transactions, a total of {$23000.00}, were re-billed to my Chase credit card. Chase is saying that I received the benefit for all of these transactions. The merchant, XXXX, is showing proof of delivery to my house, which never happened. My signature is not a match to any occupant of my home. It is important to mention that the proof of delivery of both packages is dated on the same day with a two-minute difference. As for the credit card XXXX delivery, when you check the details of the delivery, it says it was delivered to XXXX, NY- not my house, which is in XXXX XXXX, NY. As a consumer, I did everything in my hand to stop this fraud, reporting everything in a timely manner and still being charged {$23000.00}.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened Checking account & saving account in Chase Bank on XX/XX/XXXX after received an email with targeted offer of XXXXXX/XX/XXXX XX/XX/XXXX. Chase representative confirmed that both accounts opened successfully & Coupon Code has been applied successfully. He explained me terms & conditions. As per bonus qualification conditions, Direct deposit from Employer Deposited into checking account on XX/XX/XXXX. XXXX direct deposit from Employer Deposited into checking account on XX/XX/XXXX. XXXX $ from XXXX deposit from external account into Saving account on XX/XX/XXXX. 90 Day period ended for XX/XX/XXXXqualification on XX/XX/XXXX. Yet, I did not receive any XX/XX/XXXX. Events below. XX/XX/XXXX - Checking + Saving Account Open with COUPON CODE XX/XX/XXXX - Chase representative confirmation XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - XXXX $ XXXX external Deposit into Saving XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - 90 Day period ended. Customer care Response " It seems you had previous account with Chase ''. My Response " Not true ''
Company Response:
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A