Date Received: 2023-09-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. All dates were XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 344XX
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Received email on XXXX from Chase Bank card services saying " thank you for applying for a credit card. '' Also on XXXX received alert from XXXX XXXX XXXX of an inquiry to my credit record. ( The is a fraud alert on the credit report ). Contacted Chase Protection Group at XXXX- they said there is no record of an application but were unable to explain the email and alert. XXXX Chase Card Services at XXXX- they said there is no record of an application in either me or my wife 's name but were unable to explain the email and alert. They suggested it may have been a phishing email but could not explain how that would trigger an XXXX alert. They transferred me to Chase " disputes. '' They stated there were no applications in either me or my wife 's name and said they would initiate a case to follow up. I filed a dispute with XXXX and they removed the inquiry. I have also frozen my record at XXXX, XXXX and XXXX.
Company Response:
State: AZ
Zip: 85388
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXXXXXX I report to fraudulant charges for {$23.00} and {$24.00} that were made on my account to an out of country XXXX ( XXXX ) account. My debot card was cancelled and I was sent a new one and those charges were reversed by XXXX on XX/XX/XXXX and an investigation was opened. On XX/XX/XXXXXXXX XXXX reversed their decision and charge me the {$23.00} and {$24.00} stating they found no fraud. I called XXXX on XX/XX/XXXXXXXX to dispute the charges. They told me that they denied the claim because I had past transactions with the merchant that had gone undisputed. I asked for the exact dates of these alledged charges and they could not provide them and I was unable to find them in my transaction history myself. They allegedly reopened the investigation because they could not explain the denial, but on XX/XX/XXXXXXXX recieved a letter stating it was still denied. I called XXXX again on XX/XX/XXXXXXXX and asked for further explaination. I spent an hour on the hold while the customer service representative went back and forth with his supervisor to " get an explaination '' for the denial. At first he said I was denied because of past transactions with the same merchant but could not give me dates of these transations. After another 40 minutes on hold he came back and said it was denied becuase " the transaction was made from a device I had used before ''. This is because my card number was stolen from a fake website that I thought was legitimate, but was not. I reported it minutes after is happened and it was clear that the charges were foreign as they had foreign exchange rates attached them. I asked XXXX to send me the detailed investigation documents and they representive on the phone kept saying " The letter was already sent to you ''. I explained that I do not want the letter saying I am denied, but I wanted to investigation paperwork. He kept saying it was sent, and I have not received anything of the sort nor is their reasonly for denying my claim reasonable. I am asking the CFPB investigate this situation seeing that XXXX is unable to give an adquate explanation for their denial of my claim nor are they providing me with any doucmentation with details. I can be contacted by phone at XXXX or my email at XXXX. Thank you in advance for your assisitance in this matter
Company Response:
State: OH
Zip: 44131
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, I got a regular email from Chase letting me know that I had a new statement for my checking account. I have had this Chase account for over XXXX years ; I get this email each month, log in, and save a copy of the statement. This time, when I logged into Chase, they would not show me any of my accounts. Chase presented a page with XXXX links ( include a XXXX page legal agreement ) and an 'I agree ' button. I could not access any of my accounts, transfer money, view statements, etc. unless I agreed to these new documents I was surprised with. Buried inside the XXXX page legal agreement is a binding arbitration clause with vague instructions to opt out. It took me XXXX minutes digging through Chase 's site to find the place to opt out. I need access to my bank account, and it was held XXXX by Chase.
Company Response:
State: NJ
Zip: 07030
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: DID NOT GIVE AUTHORIZATIONS FOR COMPANY TO RUN MY CREDIT. I DID NOT APPLY TO THESE COMPANIES, HAVE NO OPEN OR CLOSE ACCOUNTS WITH THESE COMPANIES. THEY ARE DAMAGING MY CREDIT.
Company Response:
State: NJ
Zip: 08046
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: We discovered that money was withdrawn from our account during the spring of 2023. This was from XXXX to XXXX. We decided to monitor the account to confirm our suspicion and just recently we discovered XXXX that monies were taken from our account again. We went to our local branchs office to speak with the XXXX about what we discovered was happening. After combing through our records and the banks with the XXXX ; we discovered that in truth there was less monies in the bank than was in our records. We requested an investigation and was given the phone number to contact the banks fraud department. Upon calling we were told ; because there were no transactions verifying the wrongful withdrawal of funds from the checking account, the bank could do nothing to assist us. We need to have our funds return to the account and truly need to put a stop to the theft of ours and other customers funds who might be experiencing the same problem.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Chase charged me XXXX {$10.00} " transaction fees '' but didn't indicate what the fees were for.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Upon receiving 6 emails with notices that I was approved and open a credit card this morning with my name on the emails. I called chase banking to the customer service number. To confirm they did NOT have an account under my name. The representative would not confirm this unless I provided a social security number. Date XX/XX/2023 time XXXX was when I placed the call. I asked if I could go to a chase office for this the representative said they would tell me to call back
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My chase credit card account was FRAUDULENTLY charged by a vendor called " XXXX XXXX XXXX '' on XX/XX/23 {$290.00} ; XX/XX/23 {$140.00} ; XX/XX/23 {$140.00}. Chase credit card services believes that this charge was by me because according to their investigation they found that two of these charges are by chip usage of the credit card. These charges were not by me, I have never used this vendor. When researched on XXXX, the vendor shows up as a XXXX restaurant in XXXX. The credit card statement states " health & wellness '' for these charges. I tried to explain to Chase 's investigation team ( XXXX and XXXX ) that this is a scam and my information was leaked as an employee of the XXXX department of education ( DOE ) . The DOE experienced a security breach of our personal information, and I believe this could be a result of the security breach. Chase credit cards is giving me a difficult time about removing these three fraudulent charges and is holding me accountable for them. I am requesting support to please get these charges removed from my credit card statement as it was not me.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A