Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account on my credit report, which I reported it to JPMCB CARD SERVICES, yet JPMCB CARD SERVICES is not removing this fraudulent account. JPMCB CARD SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet JPMCB CARD SERVICES has refused to do this. The following is the fraudulent account : JPMCB CARD XXXX XXXX.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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: Today XX/XX/2023 I called at XXXX to initiate a dispute with a charge on my card. XXXX picked up the phone and he was unprofessional and wanted to always relay the call to someone else. He refused to let me speak to a supervisor. Then XXXX picked up and he started the dispute but did not tell me he was doing the dispute and just told me that Chase did not have any rights to dispute the charge with an airline. He denied my dispute and later I got a letter by email. I requested to speak to a supervisor regarding XXXX and also wanted to know if my rights as a cardholder were being violated. I was confused why they could no start a dispute. I have other credit cards like XXXX XXXX, XXXX XXXX and others that I have filed disputes with an airline for various reasons and I have won the dispute and no questions asked. But with Chase it seemed that they did not want to do the dispute from the beginning. They did not even ask me what the reason was for the dispute. I spoke with XXXX a supervisor and she told me that they did not do any disputes regarding airline purchases. I want to know why if other credit cards can do it why is Chase refusing to do a dispute. I don't know if it is lazy ness from representatives or they are afraid of airline companies. Regardless I told XXXX that I would file a complaint to find out the truth. I also told her that I want a credit card that is working for me and not me working for the credit card. Is absurd that with my Chase slate edge just got approved a {$4000.00} dollar increase but for what reason if I can't use it. If I charge something else then the dispute will be denied is worthless. I have a perfect credit score so I am confused why I am being denied a dispute on my credit card. Maybe Chase is not worth it like the others or maybe is racial profiling.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I received a sign on bonus and expense check from my future employer. I made a mobile deposit to my personal checking account with Chase Bank. The bank notified me that the deposit was received and the funds would be available the next business day XX/XX/XXXX, I received a second notice that a hold was on that check and the funds would be made available on XX/XX/XXXX. I was never given any of the funds from this deposit. On XX/XX/XXXX a letter was written to me from Chase explaining that the check was being returned and the funds were being subtracted. On XX/XX/XXXX my direct deposit was made to the account, a payment was scheduled to be deducted and I had access to some funds that I used to send a XXXX to my husband. On XX/XX/XXXX another deposit was made to my account and a return/refund deposit was made to my account for a transaction requested on XX/XX/XXXX. On XX/XX/XXXX I showed available funds. I tried to use the funds by sending a XXXX but the transaction was declined by sender. I then tried to use my debit card and the transaction was declined. I contacted the bank and the phone system said the same funds I was seeing in my account were available for use. I contacted the customer service and they explained my account has been closed. He transferred me to the specialists to discuss. They said because of the check I deposited on XX/XX/XXXX my account was closed for fraud and funds are not available to be released for 1 business day. I waited the business day and on XX/XX/XXXX I again attempted to access those funds that show available to me. I called again from customer service to fraud specialists and they told me that I could close my account at the branch today and they will disburse my funds. I went to the branch and the teller said the hold prevents her from being able to access the funds or close the account and I need to wait to speak to a manager. I called back again to the fraud team while waiting for the manager and they explained that they have to wait for the hold and all the steps to request the hold removal have been satisfied they are waiting for the computer and it will take another business day. They never gave me any of the money and I cant use the funds from my other deposits even though all systems say it is available.
Company Response:
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On the morning of XX/XX/2023, I was at work and I received a text at around XXXXXXXX XXXX from Chase Bank stating that I had added a person by the name of XXXX to my XXXX recipients. I did not add that myself. Somehow somebody either hacked my email or my cell phone and added themselves. I immediately logged into my online banking and noticed that my account was being deducted in small transactions. After noticing that the transactions were not stopping I attempted to call Chase and freeze my account, I was on hold, so I hopped into my work van and raced to my local branch, luckily it was close. I arrived at the Chase Bank and immediately flagged down a banker and had my account Frozen. Not before there was {$3000.00} stolen from my account. If I had not raced the bank I believe that my entire account would have been completely drained. There were a total of 21 transactions ranging from between XXXX and {$190.00} that we're all deducted from my XXXX in a matter of less than 30 minutes, none of which I made myself. After filing a fraud claim with Chase, my claim was denied, Chase stated that all the transactions came from my device which is absolutely not true.
Company Response:
State: CO
Zip: 80003
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Tuesday, XX/XX/XXXX at XXXX XXXX I received a text message from the Chase Fraud Dept alerting me of a possible fraudulent charge that was made to my visa debit card. Upon checking it was noted that the charge was in fact fraudulent, I replied to the text message answering No, and followed up with a phone call to Chase fraud dept. After identifying that this was fraud, we located several charges from this company using three different names XXXX XXXX, XXXX XXXX XXXX, XXXX, for {$54.00} monthly from XXXX XXXX XX/XX/XXXX. We then filed a report with chase fraud dept and was given a file #. After further investigation we realized that the charges were from a company that we thought we were purchasing denial insurance but found out it was only a dental discount card. After finding out it was only a discount card we canceled on XX/XX/, just one month later after signing up. We were sent a cancellation email on that same day. On XX/XX/XXXX, I contacted XXXX XXXX XXXX and explained to the customer service that we were being fraudulently charged for services that were canceled in XXXX, I was told that she could see that the Services were canceled but could not refund the money. We disconnected with that representatives and called back to speak to a manager, we were then told they could only refund two months. Conclusion : Chase fraud department is refusing to refund our money when it was a clear case of fraudulent charges.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with Chase Bank and XXXX XXXX. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference. Additionally, credit report is showing credit card transactions already one day later.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a settlement check of {$2100.00} on XX/XX/XXXX through a drive up ATM and it was put on hold until XX/XX/XXXX. I called them right after the deposit and they told me to wait until next business day because according to their system there was no hold and to call them in the morning if it is held. When I called in the morning I was transferred to a representative that would remove the hold. I was told that the hold couldnt be removed until the XXXX. I just dont want this money to be held for longer than that and Im worried it will be, due to hearing stories from friends about their checks being held for more than 3 months.
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I received a call supposedly from chase bank telling me account had been compromised. They kept on the phone too long and in the meantime they knew my credit card number. They told me not to pull up my account until the next day while they investigate the compromised. They ask me to take care of my XXXX account for {$480.00} because we have put the funds in your account to cover the expense. The procedure they used had me convinced I was talking to Chase representative. However, after I hung up, things did not seems right. So i opened my account and my funds were gone. I called Chase, and their help seemed to be not up to par with handling the situation. I called another Chase official and they said they would handle it. today Chase reversed their action of covering the theft and withdrew my lost. I reported identity theft atold my nd they ignored that. So they assumed I stole my own funds from out of XXXX. Each withdrawal for {$300.00} each until they got down to the last {$100.00}, and each one covered drinks and dinner. I licve in Illinois and i certainly would not have withdrawn that much on one day for drinks and dinner in another state.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint Against JPMorgan Chase & Co . To Whom It May Concern, I am writing to formally lodge a complaint against JPMorgan Chase & Co. ( hereafter referred to as " Chase '' ) for what I believe to be discriminatory actions and violations of my rights as a consumer. The details of my complaint are as follows : In XX/XX/XXXX, I initiated a banking relationship with Chase by opening a checking account and transferring a substantial balance of {$250000.00} from XXXX XXXX. To my dismay, in XX/XX/XXXX, I was forced to close this account due to what I perceive as a discriminatory decision on the part of Chase. It appears that this decision was influenced by my immigrant status, which is a clear violation of my consumer rights. Furthermore, this discriminatory action has extended to my United XXXX credit card ( XXXX ), which I opened in XX/XX/XXXX. The decision to close this credit card account has not only restricted my access to the benefits associated with it but has also infringed upon my rights to have an extended relationship with United Airlines. I believe this decision was unfairly influenced by a past interaction with a Chase banker named XXXX in XXXX. At that time, as a recent immigrant, I sought advice from XXXX regarding my financial situation and was advised to deposit a substantial sum in order to foster a better relationship with the bank and apply for additional products, such as a credit card. However, when my credit card application was denied, XXXX suggested closing my Chase account to avoid generating expenses. As a result, my profile may have been unfairly flagged, causing significant personal and financial detriment. I also wish to point out that Chase recently took actions against individuals such as XXXX XXXX, citing his support for XXXX XXXX. This appears to be a contradiction when compared to my situation, where I am an immigrant from XXXX fleeing the influence of a dictator. This apparent inconsistency raises questions about the bank 's principles and fairness. As a result of these actions, I have incurred financial losses, including the annual fee of {$520.00} for the credit card, which was closed after only 2.5 months of use. Additionally, my credit score has dropped from approximately XXXX points to XXXX, impacting my ability to secure a favorable Jumbo mortgage rate and resulting in a projected {$140000.00} increase in mortgage payments over a 30-year term. This will also require me to consider a more affordable home, limiting my choices and affecting my quality of life. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to address these alleged violations of consumer rights and discriminatory practices by Chase. I am open to providing any necessary documentation to support my case. It is my sincere hope that the Consumer Financial Protection Bureau will investigate this complaint impartially and ensure that consumers are treated fairly and in accordance with the law. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A