Date Received: 2023-09-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email from XXXX stating there was a XXXX party verifiying my identity for a recent credit card with JP Morgan Chase in the amount of XXXX dollar limit.
Company Response:
State: VA
Zip: 221XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: Sent Payments to JP Morgan Chase Bank since XXXX till XXXX asked where have they been sending our payments to and have not received information.
Company Response:
State: IL
Zip: 60621
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: 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: On XX/XX/2023 I booked a trip with XXXX XXXX XXXX and the agency I booked with CHANGED MY FIRST NAME on the reservation. I notified the agency within 24 hours of their mistake. I tried for 2 weeks to work the issue out with the agency even sending them a photo pf my passport o no avail. I even called the airline and spoke with a supervisor that said my name could easily be corrected without a fee but it had to be done by the travel agency since they are the ones that booked my flight with the airline XXXX ). I went to my credit card issuer-Chase to dispute the charge as a last resort. Chase advised and assisted me with the process- including the reason for dispute as " Not received services '' then later found the charge " valid '' as the trip was made available to me. Please note that once I initiated the dispute the travel agency cancelled my trip! According to XXXX 's refunds can not be made if the trip was cancelled. I did NOT cancel the trip. I was begging the company to correct my name on the reservation. Chase decided against me in the dispute due to the reason of the dispute. Chase assisted me with selecting the reason! I have redisputed the charge twice now and call chase dispute team every couple of weeks begging for help. Chase will no longer assist me and advised me to go directly to the XXXX XXXX. I have tried contacting XXXX directly but they refer me back to my card issuer-Chase. At this point I am dizzy from being bounced around and can not fathom how it is reasonable for me to pay XXXX USD for a trip I absolutey can not travel with a fabricated name that does not match my legal name as shown on my passport
Company Response:
State: GA
Zip: 30052
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: Fraud or scam
Subissue:
Consumer Complaint: In XXXX of this year, my bank account was hacked into and two wire transfers were completed. The first was for {$12000.00} and the second was for {$13000.00}. I dont even know how to do a wire transfer. I have the alleged first and last names of the recipients as well as the bank where the money was sent. You can find it at the end of the letter..
Company Response:
State: NY
Zip: 121XX
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: Fraud or scam
Subissue:
Consumer Complaint: I made a wire transfer of {$7200.00} to a wrong person, yesterday XX/XX/2023. I immediately tried to cancel it within 30 minutes but unable to find the option to do so on my online banking. By the time I could reach out to customer service, the fund was already received. I immediately started a claim request. When I called my bank to follow up, I talked to a different staff that informed me once its completed there is absolutely nothing they could do. However, when I mentioned that a different staff told me that we could file a XXXX recall, she changed her mind and transferred me to someone else who has limited knowledge. I was told that they already informed the recipient bank and there is nothing they can do. I have asked for the recipient to refund the money but they are unable to do so and started asking for personal information. From their end, the fund was received but the status said : limit exceeded which can mean it was still on hold. I know I needed to act as soon as possible but when I called my bank, they said they are unable to do anything.
Company Response:
State: OK
Zip: 74014
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: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of a scam originating on " XXXX ''. I believed I was sending money for the adoption of a kitten. However, upon sending the money via XXXX, it became clear that there was no kitten, and I had sent {$80.00} to a person without any hope of seeing the money again. I asked for my money back from the scammer, which obviously did not work, as they were trying to solicit even more money from me. I reached out to XXXX, and received an acknowledgement of my complaint, but no restitution of payment or resolution provided. I reached out to XXXX XXXX XXXX to ask for them to cover my losses and hold the scammer responsible, but they ignored my multiple emails. Ultimately, I believe chase bank should be held accountable and am asking for them to return my money. The scammer imitated a real person named XXXX XXXX, to whom I sent money. Chase did nothing to stop this. Under Regulation E., banks must be held accountable for fraudulent transactions. Chase did not do enough to protect me.
Company Response:
State: NY
Zip: 11230
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: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Dear Sirs : I have received a copy of my Consumer Report. There has been erroneous information being reported to Early Warning by Chase Bank. Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX of XXXX : XX/XX/XXXX Bank XXXX # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$460.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account XXXX : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$470.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse These dates of incident aren't true. Please remove this item.
Company Response:
State: CA
Zip: 95843
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 JPMCB Card services ran my social security to check on my credit report which I didnt authorize. I dont have any transactions with them. Someone is accessing my social security to apply or inquire to get a loan/card services. I recall that XXXX XXXX XXXX under XXXX XXXX XXXX had some issues with security incident that was accessed by a hacked and my personal information was access without authorization. I have received a letter from XXXX XXXX XXXX in regards with the incident. I suspect that someone is trying to access my personal information to get a loan from a bank.
Company Response:
State: MD
Zip: 20745
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy under.Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Company Response:
State: MA
Zip: 01757
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: Managing an account
Subissue: Cashing a check
Consumer Complaint: I am an XXXX XXXX student that moved in to NY less than a month ago. I have recently opened a Chase account so I could receive the XXXX from my university. My friend, who is also an XXXX student, did exactly the same thing. She had to transfer some money to me, so, after we opened our accounts, she tried to do a XXXX transfer in the amount of {$3000.00}. Because her account was new, she was not able to do it, so she did a {$500.00} XXXX transfer and Chase employee advised her to deposit me a check of the rest of the amount ( {$2500.00} ). This deposit had my account restricted because they can not verify her phone number. So now I'm not able to use my money or to deposit my university stipend check. I've called Chase several times and no one was able to do anything while she does not have a " good number ''. On XX/XX/XXXX, the XXXX of us went in person to a Chase branch with all of our IDs to discuss this in person, and again no result. They told us that the phone is the only way to verify a person! My friend even contacted her phone provider and they told her that the number is already registered in her name. So now I'm stuck with this restricted account that has my rent payment and I can't close my account, I can't solve this, I can deposit my payment. I can't do anything and apparently neither my friend nor anyone at Chase can. It is very frustrating and I am incredibly disappointed with my customer experience so far. I'm being punished for a data mismatch that is not my own data!
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A