Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they were made without my permission, consent, inquires. JMPCB CARD SERVICES : Inquiry : XX/XX/2023. XXXX : XX/XX/2023. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I mailed my written request for validation, verification, and incorrect credit reporting to be deleted. I also requested a refund for all payments I made towards the alleged debt. As of today 's date XX/XX/XXXX JPMCB Card ( " JPMCB '' ) is still communicating false and inaccurate information to XXXX with no permissible purpose which violates 15 USC 1692e ( 8 ). My rights as a consumer are being violated pursuant to 15 USC 1692h. My instructions were not followed. I requested the name and address of the original creditor of the alleged debt and JPMCB failed to provide me with it. I am aware that I am in fact the original creditor. I am facing adverse actions due to the false and inaccurate reporting. I continue to be denied credit and my XXXX XXXX has dropped significantly. I mailed out my written requests on XX/XX/XXXX and JPMCB received my communication on XX/XX/XXXX, XXXX pm as evidenced by XXXX XXXX.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I initiated a balance transfer with Chase on XX/XX/23 of {$5000.00} for a 12 month promotional 0 % interest. I did this online. I received my XXXX bill with interest, so called in to make sure the promotion was in effect. I was told it was, but due to the terms of the balance transfer interest was charged on new purchases from the date of purchase instead of a traditional billing cycle. I said I was not told this, and they explained the agent had to go over these disclosures on the phone before allowing it to go through. It took two explanations from myself that it was not done with an agent but online before she said that I still acknowledged this would happen. I humbly admitted I'm sure did not read XXXX & XXXX 's of something like this before hitting " Accept ''. I asked to be emailed a copy of what I signed. It was stated that it could not be provided. Now, at this point I decided would just use another card for regular purchases to completely avoid this in its entirety. However, tracking down the all the pieces the card was tied to was problematic. But when charges came through, I made immediate payments to clear those charges to ensure no interest would be charged. However, I am now learning that Chase has been applying my payments with significantly higher priority to my brand-new 0 % balance transfer instead of the purchases that I had made that would be accruing interest. In addition, you are not able to see how your payments are applied in this fashion until your next statement when that interest has already been accrued. For my XXXX payment of {$2300.00} to clear all non-balance transfer charges, {$500.00} of that was used towards the 0 % balance. This is clearly in an effort to force the consumer to pay interest on their purchase. At a XXXX, {$450.00} would be the needed amount paid by month to have a this {$5000.00} transfer paid off in the 11 months by its due date. To take even more than this is blatant manipulation of payment to force consumers to pay interest.
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: About a month ago I fell for a usps scam about reshipping a package, a few days later I notice multiple charges that totaled up to {$150.00} on my account. I immediately locked my card and called chase to dispute these charges and the informed me someone stole my card info and used it to create a XXXX XXXX account. They promptly refunded the charges and I assumed it was clearly fraudulent charges so everything would be dealt with. I was wrong. Today I noticed that the refund was reversed and immediately called my bank just to be told the charges didnt ping any red flags while investigating so my claim was denied? Not only is frustrating because Ive had my account for years and this is the first time Ive had a issue like this but Ive also opened a credit card with chase and if this is how they treat identity fraud I dont feel safe banking with them at all and I would recommend anyone opening a new account not too as well.
Company Response:
State: TX
Zip: 76034
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dated : XX/XX/2023 JPMorgan Chase & Co . XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, New York, XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB CARD, ACCOUNT NO. XXXX. Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD SERVICES. After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMORGAN Chase & CO has provided me, and I am grateful for the positive experiences I have had as an authorized user. I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a formal complaint against Chase Bank for closing all of my accounts without providing an adequate explanation or a fair chance to discuss the disputed transactions, and for discriminating against me based on my XXXX. I have been a customer in good standing for over 2 years, and I feel that the way I've been treated is unacceptable and possibly illegal. I have been forthcoming with Chase about my XXXX condition, a fact which they have on record. I took their advice to dispute certain transactions that seemed unclear to me. Chase informed me that they would reach out for further discussion on these disputed transactions ; however, they failed to do so. Instead, they simply closed all of my accounts, citing " unusual activity '' as the sole reason. Closing my accounts has caused significant hardship. Not only has this affected my financial planning, but it has also prevented me from accessing funds, leading to delays in bill payments and causing unnecessary stress. I am deeply concerned that I have been discriminated against due to my XXXX, as my account was closed without just cause and without any prior discussion to clarify the disputed transactions, despite promises to do so. I am asking the CFPB to investigate this matter and take appropriate action against Chase Bank for their improper conduct. I kindly request that my accounts be reinstated, and that Chase take measures to prevent such discriminatory actions in the future. Enclosed are copies of any relevant documentation that supports my case. I am willing to provide any additional information upon request. Thank you for your prompt attention to this serious matter. Sincerely,
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My credit card account is a High amount right now I cant pay it off in time I need help with it it is around XXXXXXXX XXXX I need help removing it
Company Response:
State: IL
Zip: 61032
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
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: Hi, I applied for three new U.S. passports on XX/XX/2022. I applied for XXXX adult and XXXX minor passport at the XXXX location ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXXXXXX XXXX XXXX ). For the adult passport, the mode of payment is made through a check, and the minor passport payment is made with a money order ( serial no. XXXX ). I was supposed to be charged {$260.00} on my debit card ( which includes a minor passport fee + passport card+ XXXX passport pictures for the XXXX passports + XXXX x XXXX execution fee ), and the fee for XXXX adult passports is paid by check from my husband 's account, XXXX XXXX XXXX attached those statements ). Unfortunately, during the payment processing, the acceptance facility 's system got hung, and the associate had to execute the same payment twice, thinking the first payment didn't go through. But during this, my checking account got charged twice for {$260.00} using the debit card. I didn't notice the charge right away. When I noticed I thought the payment would be reversed on its own, as one person can not be charged twice for the same serial number of money order for the same transaction. I contacted Chase Bank, and they rejected the request since it was an authorized transaction at the facility for the passport. After repeated trials with the Bank, I am communicated that the USPS facility has done the transaction in a cash-back form, so they can not file this claim. The USPS back-and-forth reply " Unfortunately, We can not initiate any refund on our end after this long and have no access to transactions past 1 week. You need to dispute the charges with your bank. They have access and the ability to research and refund the funds as necessary. Please share our contact info with them if they request it. '' I am contacting you so that the amount above can be refunded. I have all the documents with me. Please let me know what needs to be done next. This is so much of a hassle and a XXXX box for a customer.
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. Account Information : - Account Number : XXXX - Original Creditor : Chase - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. Thank you for your immediate attention to this important matter. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A