Date Received: 2023-09-12
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 the creditor 's customer service representative.
Company Response:
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On or around XX/XX/2023 I called Chase credit card company to get the final pay out on my card. I spoke with someone on the phone and explained that I wanted to get the " final pay off amount so that I could officially close this account and be done. '' The individual gave me the payoff amount of {$15000.00}. I reiterated numerous times, " Is this the final amount? If I cut a check for {$15000.00} then I am done, correct? " The answer was repeatedly, " Yes. '' There was no additional information provided -- which is important to point out. There was no education on the phone that {$15000.00} is what the amount was that day but of course they wouldn't be receiving the check for a number of days and that it could be more due to fees and interest, and that I should add extra money to the check. I've since learned this and am calling out that even though I pressed " Is this the final amount to close out the account? '' The customer service rep said yes, knowing that unless I was wiring the money, the number given to me over the phone wouldn't be correct by the time they received the check. According to XXXX XXXX XXXX online bill pay ( whom we use ) a check in the amount of {$15000.00} was initiatied on XX/XX/XXXX and cut on XX/XX/XXXX. After that day, I assumed I was in the clear and had officially met our debt obligations on the account. {$15000.00} is a lot of money to pay off when we'd been paying {$1000.00} a month for months. I was so excited to be clear of that debt. Furthermore, I would like to also point out that the account was already CLOSED. They had closed it a while back because we were in default. So, the fact that we were paying incremental amounts to stay in good standing ( if that's what you want to call it ) and then to call and ask for final close out amount -- Chase could see that we were trying to do the right thing. I do acknowledge that I may have received mail from Chase in the following months and assumed it was junk mail. I had paid off the bill and didn't want to open another account with them -- ever. In late XXXX I received correspondence from Chase and decided to open it. " We want to work with you to bring your account up to date. '' Is what the headline read. I was perplexed and saw that it said we owed {$250.00}. For what!?!??! I immediately called the number : XXXX And that's when the odyssy began. That's when I was told about the interest and how the {$15000.00} amount was only valid that day and that I would be accruing interest daily, etc. I then asked why no one told me this -- they said it was in the fine print. WHO READS THE FINE PRINT? I told them that I had repeatedly asked the person on the phone when I called in XXXX for the final payout amount, etc. The person on the phone never once said anything about additional interest, etc. I didn't understand how anyone could get out of this pickle. If you write a check for what the statement said, by the time they receive it, there would be more interest. It would become this vicious cycle. I explained this and after getting transferred to a bunch of different people I learned that in order to get out of this pickle I would need to write a check for more. For more? Ludicrous. I looked back at the " We want to work with you '' letter and nowhere on the form does it say " Your bill is {$250.00} but tomorrow it will be more so why don't you just cut us a check for {$300.00} and we'll see where we net out. '' That's what this has come down to me. I couldn't believe it. What's the point of sending a statement when it's wrong as soon as the statement is printed? So, I continue to argue and get to the bottom of this debacle and then this woman on the phone tells me that my bill is {$250.00}. My blood ran cold. I asked her to repeat it again. {$250.00} That is not what it said in the letter I received from Chase. It stated {$250.00} ONE XXXX OFF. I continued to argue with her. She sees XXXX and I see XXXX. Sure, it's one XXXX, what's the issue? The issue is that if they do this for hundreds of thousands of customers, then this vicious cycle continues and it's more money in their pockets. If I was to wire {$250.00}, my account would still be in default. It would not be paid in full and this process would continue. I received the statement in the mail -- the one that the woman was seeing online. Yet, she didn't see the one that I had. It's clear as day. One XXXX off. I went ahead and issued another check through XXXX XXXX XXXX for {$300.00} and am awaiting my " refund / overage. '' My beef about all of this is two-fold. 1. Customer service reps should communicate the need to add additional money to a pay off amount and educate customers when they ask for a pay off amount. Otherwise, customers will be forced into this vicious cycle of never being able ot pay off their account because of daily interest and fees. I WANT TRANSPARENCY IN CUSTOMER REP COMMUNICATION WITH CUSTOMERS. IF SOMEONE CALLS FOR A PAY OFF AMOUNT, EDUCATE THE CUSTOMER ON WHAT NEEDS TO HAPPEN TO PAY IT OFF IN FULL. 2. Their statements are OFF. Not cool. I think it's kind of slimy and a small way they can take advantage of people. Sure, one XXXX, but if you multiple this over thousands of people ... it's interest in their pockets. I WANT SOMEONE TO LOOK AT THEIR BILLING PROCESS AND SEE WHERE THE ERROR BEGAN AND FIX IT SO THAT OTHERS DO NOT RUN INTO THIS. I WOULD LIKE ALL FEES REFUNDED TO ME. WHICH, WOULD BE {$250.00} + WHATEVER DAILY FEES I INCURRED. I WILL SOON LEARN ONCE I RECEIVE THE REFUND CHECK BACK. 3. Please pull the call logs to listen to my interactions with the rep in XXXX and again in XXXX ( with multiple reps ).
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check to my checking account that was from an accident that I had. When I deposited the check XX/XX/2023, the bank restricted my account and I could not access funds that were already in there until the check cleared. The check cleared on XX/XX/2023. But my account is still being restricted, I can not access my funds and the check funds or use my debit card. They said they needed to contact the insurance regarding the check. I gave them a phone number and they said that it wouldn't work and that they would not unrestrict my funds even thought he check has already cleared.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Phone calls XXXX XX/XX/XXXX XXXX and XXXX Sent in writing XXXX XX/XX/XXXX and XX/XX/XXXX. Account has been removed from my credit report XXXX different time. This is not my account or my debt.
Company Response:
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Somebody put a fraud check in my checking account this person has my account information gave out my personal information my social security number, my email address, my ID my full name etc I want this person off all my accounts someone hacked into my account
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I discovered a fraudulent wire transfer of {$8900.00} from my account via " Online domestic wire transfer '' to an individual in Florida, whose identity remains unknown to me. I did not authorize or initiate this transaction in any way. I have never met or had any dealings with the recipient of this wire transfer, and I can provide documented evidence of my whereabouts and activities on the aforementioned date to substantiate this claim. To the best of my knowledge, I have not lost my phone or wallet, and I have taken all necessary precautions to safeguard my account information, including regularly updating my online banking password and implementing two-factor authentication. In light of this incident, I immediately reported the unauthorized transaction to Chase Bank, submitting a formal claim for the fraudulent withdrawal. However, I was deeply disappointed to receive a denial for my claim, indicating that Chase Bank does not find any discrepancies in this matter. They have not shared with me any documents that support that I did this transfer. I am writing to you today with the hope of resolving this issue as promptly as possible. The unauthorized withdrawal of {$8900.00} from my account has put a severe financial strain on me, and I am left feeling vulnerable and helpless in the face of this injustice. I trust that Chase Bank will take this matter seriously, reevaluate my claim, and conduct a thorough investigation to rectify the situation.
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Chase Freedom LLC XXXX XXXX XXXX XXXX XXXX XXXX company Is obligated to comply with 31 CFR 328.5 - Forms of endorsement for payment and exchange of a security arrived on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX chase has denied payment and kept security. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and opportunity to cure with new security in the value of {$800.00} was sent to XXXX XXXX XXXXXXXX and Chase Ceo/trustee. payment was ignored and kept. by the Federal Reserve Act, Section 29. Civil Money Penalty Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. today we reach the date XX/XX/XXXX and company has not complied with its obligation. I request that the company settle the amounts sent and adjust account accordingly.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XX/XX/2023, I fell victim to two multi-layered scam operations run by a group of people who presented themselves as an employee of XXXX, an FTC officer ( XXXX ), and also a XXXX officer ( XXXX ), which involved me making deposits for a total amount of XXXXXXXX XXXX from my Chase Bank account to their bank account.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: They wrongly cancelled a current card for an inquiry on a charge not for fraud it has approximately 6 months multiple attempts to get a replacement card with no effect despite being up to date on payment and is effectively destroying my startup business as a can not effectively operate with the XXXX i need to put on the card
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: The guy sold me 7 XXXXXXXX XXXX and I XXXX him on the day of XX/XX/19 because he was a staff in XXXX XXXX, so I trusted him and send him money first. But he refuse to ship out my XXXX and not refund. He promised me to send me refund by XXXX, but he ghosted and not responded anymore.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A