Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: my information was disposed in a data breach, i have unauthorized and unverified inquiries.
Company Response:
State: OK
Zip: 73130
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: 2023-09-05
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Ive been trying to fix my reasons Jp Morgan chase bank did not pay the insurance in XX/XX/XXXX. In XXXX I finally got the insurance company to give me the electronic invoice. That was sent to chase bank. I was not aware of this coverage and Ive been trying to get to the reason and why was was it not enough for my home snd my upgrade and money was not covered I had to pay out of pocket and I believe the attorney and agent were working together to keep my home end my partner retirement account she worked 29 yrs. And now shes homeless and her money is gone. And she was a XXXX XXXX needed a few credits. She was having problems with the teacher and shes was complaining on the teacher of abuses : My brother was my realtor and the application snd loan do not look like mine and I believe you have copies. I was left with out insurance and the lender started forclosure in XX/XX/XXXX. I paid XXXX with in two months with XXXX and its been like this since. My family are attorney and they i approve of my relationship. I ve always always took care my self til I meet XXXX in XXXX. I really feel for her cause she s been through a lot snd she does believes what they say and want her gone far away. I did not speak to my family for years after my XXXX and they things they were saying and doc not support or I did not know til doctor told me and my sister XXXX. Im in foreclosure and sales on the 5 of XXXX. I believe that the servicer believes the false documents. And dont even know were they came from.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: JPMCB I have written to this company multiple times, and I have written to all three credit bureaus, XXXX, XXXX, XXXX, and XXXX multiple times. For verification, and accuracy of this debt Also, the statue of limitations on the debt JPMCB has not, and will not respond to any of my correspondence, and none of the three credit bureaus will respond to me in writing, regarding the verification of this debt and the end accuracy of it along with the statue of limitations they are violating my FCRA rights
Company Response:
State: CO
Zip: 80831
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: First incident : Chase account was reported twice for the overdue balance/closed account. Once in XXXX and recently. XXXX closed my account ( XX/XX/XXXX ) while having me on a payment plan to pay off the account and never notified me of the closure. They claimed they sent mail to my home but I have opted out of paper mail, and never received an email or app alert telling me it was closing, just that I had monthly payments due.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I called Chase and requested an {$8000.00} credit be transferred to another Chase VISA account ( Amazon ) on XX/XX/. This card had the highest Chase balance with the highest interest.They did not do it. On XXXX I called them again and requested they immediately transfer the monies to the card again. They did not do it. They instead transferred {$7300.00} to another Chase card I have leaving a {$6500.00} surplus balance. In this time, They've used my {$8000.00} to charge other customers 25 % interest a day. On top of that, they are charging me 22 % a day on the {$8000.00} that should have been applied to the card I told them to transfer the balance to.
Company Response:
State: NJ
Zip: 07701
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: About my Mortgage loan lender : 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 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 XXXX Legal Description of my property : XXXX XXXX XXXX XXXX XXXX XXXX, In the City of XXXX XXXX XXXX of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Complaint : I was in Chasebank to make payment into my XXXXXXXX XXXX XXXX XXXX account. I was told by the lady at the counter my account was not coming up on the screen. I made payment the month before. So, she called to find out. After, she told me go home take this number call Chasebank. I did. Chase Bank staff, XXXX, told me account was closed. I asked why. No response. Then, asked about my lender no answer. Then, he told me I can modify to a new loan with them, Chasebank. But, run around repeated behavior patterns asking me to provide same material over and over. Then, Chase Bank claimed the loan was theirs and another company Quality loan came on board made claims they bought the loan from XXXX and they are Servicing agent for XXXX XXXX. After, my questions requesting proof of claim they made a new claim they bought the loan from Chasebank. The, I asked for proof of claim did not get any. Chase Bank was no longer on the scene. But, XXXXXXXX XXXX. Then, XXXXXXXX XXXX hired XXXX XXXX. They move to foreclose. I asked for my lenders information. Two competing claims it was Chasebank and XXXXXXXX XXXX XXXXXXXX I called them up. They were playing smart with me. The lady who answered. She told me we have no record. Then, asked did you come to our Bank to get a loan? Have we written you you were owing us and you were in default?. Who ever is telling you asked them to give you official copy of the letter we sent to them. I asked XXXXXXXX XXXX and XXXX XXXX. Also, about my lender got no response. They, got a court on their side a judge who could approve their move to foreclose ; with no response to my questions and demand for verification of truth and claims they alleged and where about of XXXXXXXX XXXX XXXXXXXX XXXX XXXX. It took me time to research what happened to me. I completed my research in XXXX. I found Chase Bank was the underwriter for loan made to XXXXXXXX XXXX XXXXXXXX XXXX. I found XXXXXXXX XXXX XXXXXXXX was a defunct business. Chase Bank never told me even when I asked Chase Bank. Also, researched my lender and my account number. I found the loan number I was giving was a fake. I found XXXXXXXX XXXX XXXXXXXX had been warned by State of California to stop making loans with no cash backing. I found another fake loan modification was issued in the name of XXXXXXXX XXXX The modification number was also fake. Loan account suddenly closed and I can not pay into it. Loan number fake. My researched showed Chase Bank was underwriter. How could Chase Bank modify fake loan number as an underwriter to XXXXXXXX XXXX XXXX XXXX XXXX? Chasebank closed the account and asked me to modify and gave me many runs and merry go round to keep submitting paper work and, later to be told you are not qualified. I have equity. You see! They were the underwriter. I never new this until my research study showed. The loan number did not worth the paper work sold to me. But, my house, my investment and equity was the only worth to sell and Cash in. They found a judge who careless about fact of claims and verification of fact. In this nation any one can claim they won election. Those days are over. It is my house and I am the lawful owner of record. I called up IRS. They told me XXXX XXXX filed to them under my Social Security as lender the amount they sold my house and gave me tax credit. I had objected to that. I want the XXXX XXXX Government to know is my house and by sheer force of circumstances and fraud and theft court involved I am homeless not having my house to live in. I have been in exile since XXXX with no house. I never expected this level of behavior Banks and court involved. They continue operating normal no accountability. Chasebank, XXXXXXXX XXXX, Court etc. They, engaged in removing my name from my property and induced false claim I was renting connieved with another who filed to evict me as his tenant. I did not have tenant relationship let alone was renting my own house. They filed in a court in XXXX and XXXXXXXX XXXX and found judges who could connived with them and served me an order of eviction. But, I was not renting let alone have any rental agreement with whoever Chasebank, XXXX, XXXX XXXX and XXXX XXXX used to file I was renting. Had no such contract with any. False claim is rampant when no fact screening of claims are left. I have been threatened and folks sent to my house to check. The Sheriff was sent with guns to remove me from my own house on false claims I was on a rental contract. The judges who were involved in this rental fraud claims are no longer with license. Why? Not sure. It is my house. I was not renting let alone in any rental contract as alleged used in filing APP NO : XXXX. The fraud lives on no accountability. They have my equity. In fact, they have changed my house address to another. I can not believed the U.S government under it watch is allowing this sort of thing and court involved. Mortgage industry can engaged in this sort of behaviors. May God We trust deliver. It is my house. The value of my house and equity is up and they have it and sitting on it. I am asking for intervention to step in. Verify the mortgage note loan numbers, real lender and the real landlord. Also, verify if my house as referenced above was a rental property business. I am the XXXX
Company Response:
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : JP Morgan Chase ( Chase ) all accounts. I write to you regarding your annexed arbitration agreement, provisions and clauses contained in your cardmember agreements submitted to the CFPB as required by law. Despite numerous demands, Chase has concealed disclosure and negligently failed to provide me copies of said applicable agreements with arbitration provisions in deliberate violation of law. I again demand a copy of your cardmember agreement for every one of my 4 Chase credit card accounts with account numbers engraved to each agreement. Pursuant to it, I ELECT, CHOOSE and DEMAND that you file for Arbitration for your claims and pay 100 % of the appropriate filing fees and arbitrator fees required by AAA or JAM to have any Claims by either of us resolved exclusively by arbitration. Simply stated : ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURTALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION. Your arbitration agreement stated : This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURTAll Claims are subject to arbitration whether they arose in the past, may currently exist, or may arise in the futureAlthough under some laws we may have a right to an award of attorneys fees and expenses if we prevail, we agree that we will not seek such an awardWe will pay any costs that are required to be paid by us under the arbitration administrators rules of procedures. Even if not otherwise required, we will reimburse you up to {$500.00} for any initial arbitration filing fees you have paid. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. If you win the arbitration, we will reimburse you for any fees you paid to the arbitration organization and/or arbitrator. If you consider that you are unable to afford any fees that would be yours to pay to the arbitration administrator, you may request that we pay or reimburse them, and we will consider your request in good faith This means that litigation is PROHIBITED and litigation will not be tolerated. The agreement implies that if either of us willfully violates it, even after my election, choice and demand for arbitration, by filing prohibited and barred litigation, such as in a state or federal court, then appropriate action can be taken to compel arbitration. If any Claim is advanced improperly in a court, arbitration may be elected under this provision and compelled instead. Thus means that effectively due to my election and choice and demand, you must file an arbitration demand with AAA or JAMS and pay all fees so any litigation would be null and void as a mere ministerial filing of a demand with fee payment would NOW effectively be assumed and concluded that the Claim is NOW in Arbitration making litigation barred as a Claim can not be litigated and arbitrated in 2 separate forums when you have agreed to arbitrate as the sole forum. So if you frivolously sue me in a court, after my election today, in violation the your agreement NOT to litigate, the Clause anticipates that I would file a Motion to Compel Binding Forced Private Arbitration with AAA or JAMS which would AUTOMATICALLY STAY any litigation under Florida Statutes ( FS ) Section 682.03 ( 6 ) which specifically provides that once a motion to compel arbitration has been filed, the court must STAY any judicial proceeding that involves a claim alleged to be subject to Arbitration until the Court renders a final decision on arbitrability of the dispute. Any decision on a Motion to Compel Arbitration is an appealable decision which, if appealed which I would do if denied, would further Automatically STAY the case pending Appeal for at least 12-24 months. See US Supreme Court No XXXX XX/XX/XXXX decision in XXXX v XXXX . If I am improperly sued in a state court and you do not agree to arbitrate, I would file a Petition in the United States District Court for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to Compel Arbitration with XXXX or JAMS. Under the Federal Arbitration Act, a party aggrieved by the alleged failure, negligent or refusal of another to arbitrate under a written agreement for arbitration may petition any U.S. district court for an order directing that such arbitration proceed in the manner provided for in such agreement. I would easily be successful in any expected federal court action if I am improperly sued and you refuse to arbitrate. While I could file for arbitration with the AAA or JAMS, I want to avoid stupid litigation if I pay the initial {$220.00} fee and you litigate in federal court that you should pay the fee costing {$50000.00} in attorney and other fees for no reason other than to harass. So if you want to collect your disputed Claim you must file a Demand For Arbitration Consumer Arbitration Rules with AAA or JAMS and pay all fees including those of the Arbitrator which easily will be ultimately over {$25000.00} which will not be recoverable from me including your attorney fees even if you prevail which is impossible due to my Claims against you for multiple statutory FCRA willful violation plus punitive damages far exceeding your dispute Claim. Your arbitration terms of service incorporates by reference the AAA Rules that expressly delegates arbitrability determinations to an arbitrator and the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court or judge, to resolve questions of arbitrability. See AIRBNB V DOE, Florida Supreme Court # SC20-1167 decided XX/XX/XXXX. Therefore, once an arbitration agreement is presented to a court, the court is powerless to consider arbitrability as such has been delegated to the arbitrator. Due to your arbitration provisions, courts are powerless to act and they are automatically stayed if I move to compel arbitration. Dont waste your money with court filing fees and attorney fees as you will alienate the court and waste resources only to find court actions forced into arbitration with AAA . Or JAMS. That is why court actions are automatically stated to prevent a complete waste of time as arbitration agreements must be enforced. Besides, court decisions are clear that Florida does not have a XXXX XXXX XXXX, but a mixture of rules so again dont embarrass your attorneys by asking them to frivolously litigate. Nothing in the agreement permits or even discusses the possibility allowing you to file a lawsuit against me in any court. Lets arbitrate!!! File with the AAA or JAMS and pay the huge fees. Never expect AAA fees to be recouped. Never expect a return of attorney fees. I will automatically appeal any decision of a court, state or federal, that does not compel arbitration and provide me relief from frivolous conduct such as Federal Rule 11. If you sue me in state court, you will certainly see a motion To Compel Arbitration, staying it, PLUS a federal court Petition to compel arbitration PLUS a Demand for Arbitration by me with the AAA requiring you to pay all fees PLUS federal claims for FCRA and FDCPA violations both in federal court and AAA. By virtue of my election in this document and previous documents, it is indisputable that the Claim and Dispute is already with the AAA absent a mere ministerial 2 page demand by you with your payment of AAA fees. So court litigation is completely barred and any such filing will be considered frivolous willful conduct punishable under the FCRA and FDCPA punishable with a dismissal with prejudice of any court claim. If you are stupid and just want to harass me, you should expect years of litigation in multiple state and federal courts, including the US Court of Appeals PLUS no court would enforce any AAA award against me due to your conduct including FCRA and FDCPA violations. In SAUNDERS v Branch Banking, 526 F.3d 142 ( 4th Cir. 2008 ), the jury awarded Saunders {$1000.00} in statutory damages and {$80000.00} in punitive damages for FCRA violations for failing to report the ongoing dispute. Using the multiple of 80 upheld, if I am awarded {$5000.00} in statutory damages I expect {$400000.00} in punitive damages applying the 80 multiple. Moreover, the Saunders jury found that the underlying debt was extinguished and uncollectible due to conduct far less than yours. This means that your Disputed Claim must be extinguished due to your FCRA violations PLUS I have huge claims for multiple ongoing statutory and punitive damages. My FCRA violations against you are DEEMED WILLFUL, providing a {$1000.00} statutory damage per violation based on on the CFPBs XX/XX/XXXX Fair Credit Reporting : Facially False Data advisory opinion of Director Rohit Chopra which stated : A violation is willful when it is inconsistent with authoritive guidance from a relevant agency. Therefore, every FCRA must be considered WILLFUL subjecting you to liability under 15 U.S.C. Section 1681n for willful noncompliance in addition to Section 1681o for negligent noncompliance. Federal courts would have federal question jurisdiction under 28 U.S.C. Section 1331 as they have jurisdiction to enforce liability under 15 U.S.C. Sections 1681p and 1692 ( k ) without regard to the amount in controversy. At a minimum, I can only settle a claim if you agree to absolute confidentiality of settlement PLUS the permanent removal of Claims from every credit reporting agency which will not disclose or imply settlement. Any written settlement must also include general releases of all parties to forever end the possibility of future litigation. While judges, mediators and arbitrators always try hard to force settlement, I am always open at any time to settle a dispute under fair terms based on developments. If you sell a claim to a debt buyer, your liability will not end but it may increase and arbitration will still be required and enforced ending up more complicated with more parties. In summary, the ball is in your court on how you wish to resolve the dispute which may be best taking the tax deduction and walking away without selling the toxic claim. I will not be the first to seek relief but, as listed above, I will aggressively counter any and all efforts to collect your disputed claim in litigation and/or arbitration. Dont waste $ XXXX in your shareholders money for AAA arbitration fees and your attorney fees to try unsuccessfully to collect {$0.00} owed knowing that I am owed potentially huge statutory and punitive damages. In light of my cease and desist demand which continues forever as I will never withdraw it, I can not communicate with you but I invite you to make a one time permissible exception for you to WRiTE me in the CFPB portal about what non-binding exact terms you may consider to resolve all claims. I hope this CFPB complaint will make my position clear about forum resolution options which exclusively require arbitration with the AAA. If this is not enough, I am a XXXX XXXX XXXX XXXX in XXXX XXXX with a short time more to live and I am judgment proof as my entire income is from Social Security, exempt from garnishment, and I have no other income or assets and I need treatment abroad and residency abroad. Serving me abroad will not comply with FS 2.516 and will only result in any attempted service to be return as unserved. I hope this informs you of the situation so you do the right thing.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a third party check on XX/XX/XXXX. The check has already cleared. They have put a forever freeze on the funds because they could not verify phone number of the person the check was made out to. I had the person with me and she called XXXX to verify the phone number in question is assigned to her. After calling at least 8 times and going to every branch I could find. With the person who wrote the check and the original person it was made out to with their I.D They would not verify identification in person. Only through their system. Which was wrong. Only a {$250.00} check and appears they have closed the account. So they STOLE {$250.00} from me!
Company Response:
State: TX
Zip: 75460
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check was deposited on XX/XX/2023. I received a written notice the deposit was being placed on hold. On XX/XX/XXXX and XX/XX/2023 I received emails that my hold had been released and funds available. I then got a notice on XX/XX/2023 that my account was overdrawn and my transactions would be returned. XXXX received the funds from my bank on XX/XX/2023. I called in to customer service and spoke with Manager XXXX XXXX who could not explain why my funds were on hold on XX/XX/2023 and no further notice was issued. They also had not explanation why they did this. when I received a written notice there was no hold on my account. They then pressed a button and my funds were released. This is not the first time this has happened. XXXX is discriminating and holding peoples funds illegally. They should not be allowed to do this.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Got letters from chase bank stating they were closing all my accounts and credit cards. But never gave a reason..my credit score lost XXXX points and the stress of having to get a new bank and setting direct deposits took hours and days plus we were hit with late fees because we couldnt remember who we did paperless with
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A