Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit because I recently started paying on my student loans then I noticed and unknown address and multiple hard inquiries on my account that are fraud and are not me. The inquiries are : XXXX JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card 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 JPMCB Auto 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 There are multiple soft inquiries and a few unknown addresses Ive never been associated with.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hereby I ask for a permit to release the blocked payment conducted on XX/XX/2022in the amount of USD XXXX XXXX from account XXXX in XXXX ( XXXX ) to account XXXX in XXXX XXXX XXXX. The intermediary bank informed that the payment can not be processed in accordance with original instructions due to sanctions under the XXXX program under regulations issued by the US office of Foreign Assets Control ( OFAC ). The payment was made from XXXX to seller.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a customer of JP Morgan Chase for over 34 years. Suddenly, I was advised that all of my accounts would be closed and no reason was provided for this closure. I contested this and they would not reverse this decision. I am an entrepreneur who does not run a cash business, isn't in an illicit industry, I have a perfect credit score, I don't deposit cash balances and I have XXXX XXXX of any kind. I have no idea why my accounts were closed after decades of being a loyal customer of chase. No reason was provided and they even closed my United credit card. This has been tremendously disruptive and I don't understand what I have done to trigger such a closer. Doesn't the bank have any obligation to their loyal and good customers?
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Yesterday I tried to open a Chase checking account. I found that they did not open a credit card for me and had the same problem
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, a number of obvious fraudulent transactions were charged to my account, Chase made no attempt to properly investigate my claim and merely stated to me on the phone " they were consistent with my spending. '' Which is utterly ridiculous. There are over 50 fraudulent charges for {$28.00} at various speedway gas stations. My guess is my information was stolen somewhere while i was on a trip on the west side of Michigan. Either way, am i more than prepared to fight them on this. I know I'm not the only victim of these crimes and the bank has failed in my opinion to properly guard their customers against this type of fraud and failed to take my claim seriously by doing some cursory " investigation. '' Did they contact the merchant? No. Check the cameras? No. Did their " investigator '' even ask me any questions? No. They didn't ask me to do anything to strengthen my case even though I feel like its pretty open and shut. The point is, I feel like I can prove this wasn't me pretty easily and they aren't listening to me.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : JP Morgan Chase I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 at XXXX I made a purchase at XXXX XXXX using my debit card, and the employee receiving payment tapped it on the payment device. On XX/XX/23, XXXX, XXXX seconds later, the fraud transaction for {$350.00} was charged to my checking account. The fraud is listed as XXXX XXXX XXXX XXXX XXXX. I immediately filed a claim with Chase reporting fraud. I authorized my debit card to be canceled. My claim was denied on XX/XX/23. Per Chase, I made the transaction since I'm in the same geographical area and so were the XXXX transactions and they can not prove I did not make the {$350.00} purchase. I did some more investigating on my own. I was able to look up the square receipt based off my closed visa debit card number. I found the address for the {$350.00} fraud claim, located XXXX miles in XXXX from XXXXXXXX XXXX located in XXXX. It would be impossible for me to drive XXXX mi within XXXX seconds and use my card in person as stated on the transaction. I have filed a police report with my city department for petty theft as well. I have attached a copy of my XXXXXXXX XXXX purchase, the fraudulent Chase transaction, the XXXX receipt with that location, a screen shot of the XXXX address I made my purchase and directions to both locations showing distance.
Company Response:
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went into the " full service '' traditional branch to make a deposit of a cashier 's check ( Payable from a credit union/drawn on the credit union . ) I went into the branch and was directed to an ATM. The " full service '' branch didn't have a teller line. I asked an individual at the bank ( XXXX ) if it mattered that I was depositing a Cashier 's check ( {$80000.00} ) and she said " no, all checks are processed the same. '' I said, " are you sure, I don't want a hold placed on the full amount of the check. '' She confirmed. So I continued to make the deposit at the machine - again - there was no teller, no teller line at this " full service '' branch. At the ATM followed the instructions. At no point was there a disclosure of the funds availability policy at the machine. I after inserting my card, and then following the steps, I deposited the check. The machine gave me a warning about delayed processing and I turned around to ask XXXX about the message. She again confirmed that Cashier 's checks aren't processed any differently. She was very unaware of any Funds Availability training and couldn't even explain the funds availability process. By the time I turned around, back to the machine ( which I was forced to use because the " full service '' branch doesn't have a teller line ), the machine had already accepted my deposit. The receipt showed a 14 day hold for the full {$80000.00} - again, " on a cashier 's check ''. The explanation on the receipt said the hold was because of information about the check. This makes me believe they were using the " reasonable doubt of collectability '' however, there is no information that they had that would would have led them to this conclusion. A few things bother me about this : XXXX ) The branch associate had no knowledge of the funds availability policy or regulation. XXXX ) The bank 's disclosures do not accurately describe an " in person '' deposit when forced to use a machine - there should be a difference. I don't care to use an ATM but I made the deposit in their lobby. XXXX ) There was no FDIC sign at the ATM where I made the depsoit. XXXX ) The branch is considered " full service '' - if they closed the full service part they did not provide notice to the community. XXXX ) The automated decisioning at the ATM to decide to place a hold or not should have reasonable information for the consumer to back out of the transaction. I could have wired funds to the bank if needed- but wasn't given enough time to understand the ramifications of making a deposit. XXXX ) The ATM receipt did not provide any information to indicate the first {$5000.00} would be released- it only gave me an exception hold of 14 days. XXXX ) I have knowledge beyond a reasonable consumer, a reasonable customer. From a customer service perspective, 1 ) The branch associate misrepresented the funds availability policy 2 ) The 4 other people in the branch couldn't help her. XXXX ) The receipt from the ATM should at minimum describe how to resolve any conflicts.
Company Response:
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Hello, My name is XXXX XXXX and I am here looking for help to dispute and remove 2 fraudulent accounts from my credit report. I'm not sure when these accounts were opened but I would love for them to be removed because they are ruining my life at this point.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Company Response:
State: WI
Zip: 53546
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A