Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: JPMCB Card Services XXXX initially charged off this account in XXXX of XXXX. The account didn't report anything else until XX/XX/XXXX and has been reporting the account as charged off ever since. The account was also closed by the credit grantor. A Charge Off is when your debt is sold to a third party debt collector. It is also a certificate of indebtedness, which means that it is now income. Income is NOT allowed to be reported to credit reporting agencies. Per 15 U.S.C. 1681 ( a ) - Accuracy and fairness of credit reporting, ( 1 ) states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act of XXXX ( 5 U.S.C. 552a ) establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. In addition, 15 U.S.C. 1681s - 2 Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors states : A person shall NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, 15 U.S.C 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements states : except as otherwise provided in this subchapter, a financial institution ( JPMCB Card Services in this case ) may NOT, directly or through any affiliate, disclose to a non-affiliated third party ANY nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt-Out ( 1 ) In general states : A financial institution may NOT disclose nonpublic personal information to a non-affiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this Title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. I NEVER received an opt out notice for anything that was reported to the consumer reporting agencies.
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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 XXXX XXXX XXXX XXXX XXXX, I went on a camping trip at XXXX XXXX XXXX XXXX where I did not access to the Internet. When I returned home on XX/XX/XXXX, I discovered through invoices and pickup information in my email ( Attachment XXXX ) that some who likely stole my credit card information had used my XXXX XXXX Chase credit card without my knowledge or authorization to purchase a XXXX XXXX, a XXXX XXXX subscription, and a privacy screen filter at an XXXX store in XXXX XXXX. On Monday, XX/XX/XXXX, I called Chase to report the unauthorized charges and the Chase representative informed me that they would conduct a review. On XX/XX/XXXX, I received a letter from Chase ( Attachment XXXX ) informing me that they completed their review and had concluded that I was not responsible for the purchase of the privacy screen, but for some reason was responsible for the purchase of the XXXX XXXX and the XXXX XXXX. I called Chase again to dispute the results of the review, explaining that I was out of town when the purchases were made, that I use only XXXX XXXX devices, and that I did not understand how they could conclude that I was responsible for the XXXX and software when they already determined I did not purchase the privacy screen. The Chase representative said that they reached their conclusion because they called XXXX, received my order information, and saw that the " Sold To '' address for the XXXX and software was my correct address. I explained that this is not surprising given that someone clearly had hacked my information given that they had my credit card information, and that the " Sold To '' address for the privacy screen was also the same. I asked for more information about what investigation Chase had performed and I was told that Chase did not ask XXXX for proof that it was me who picked up the purchases, did not ask XXXX for surveillance footage, and did not otherwise conduct any investigation other than the cursory call to XXXX to confirm my address. I also explained that there are charges on my other Chase credit card showing that I was not in XXXX XXXX the weekend of the XXXX purchases, including a charge for lunch that I purchased in XXXX, CA on XX/XX/XXXX while driving to XXXX XXXX XXXX XXXX. Notably, that credit card also had unauthorized charges from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX that Chase determined were not made by me ( Attachment XXXX ), so Chase is well aware that someone gained access to my credit card information. The Chase representative told me that they would conduct further investigation and inform me of the results within XXXX business days. They tried calling me once during work hours a week ago when I could not pick up, and have not called me again or otherwise informed me of the results of their supplemental investigation. I am filing this complaint because it appears to me that Chase is not taking the investigation seriously, and because I am concerned that additional evidence showing that it was not me who made the purchases ( such as XXXX surveillance footage ) will be lost to the passage of time while Chase persists in not performing any meaningful investigation.
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from my brother in law it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have some court issues, and the DA requested records release from Chase, they call it a XXXX. This put holds on my accounts and my childrens accounts in the amount of XXXX. I have spent hours dealing with this, and all they say is the conty court ordered this. Both the DA and the judge said they did not. I have my lawyer trying to get my {$3300.00} and my sons {$2700.00} release and his account closed. My lawyer states the have no authiroty to hold my funds unless I owe them money, which I do not. They refuse to release these accounts. My son and daughters accounts should not be affected
Company Response:
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wrote a few checks, all to people who also bank at Chase. These checks have cleared my account and Chase still locked their accounts. I called them to verify that I wrote these checks, and they said they can't verify me and my number even though they have it all in their system. This makes no sense. They are of no help and I have spent hours on the phone with them
Company Response:
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from my brother it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802. - Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. XXXX. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 6. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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: XX/XX/2023, i booked a rental car for my road trip ( XXXX ) from XXXX XXXX XXXX XXXX California XXXX Oregon and Washington states XXXX The booking was through the XXXX app downloaded in my phone. this was actually my first time to use it and i will never use it again after this nightmare dispute! Although the booking with XXXX, the billing or payment was through XXXX XXXX XXXX that showed on my Chase credit for the charges. I booked twice on the XX/XX/XXXX. The first time, i found my picking car and dropping car times did not match with my flights ' arriving/leaving times, so i had to cancel it and rebooked it. So i was charged twice for the {$400.00}. The first charge was credited back to my chase car on the XX/XX/2023 ( Thanks ). But when we went to XXXXXXXX XXXX company ( near the airport ) in the afternoon of XX/XX/2023, we were declined for a car. The reason was that this small company does not have service in Oregon and Washington States. The receptionist made a note on the booking and was sorry for the inconvenience, and asked us to get refund from the online booking system. But the online billing system ( XXXX XXXX Hire ) did not want to refund me, so I went to my Chase card company for help. But even with many efforts ( many calls, two dispute letters, and many many hours spending ), Chase card company declined me. so I am here for help. I have attached all details and communications with the Chase.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I called XXXX XXXX XXXX XXXX XXXX XXXX to inquire about getting help with stopping a double ACH payment from one of my credit card companies. The representative initially seemed unclear on what assistance I was requesting. After asking for clarification and telling him I wasn't confident that he understood my issue. He stated that I'd have to wait for both of the duplicate charges to hit my account and then dispute one of the charges. That is exactly what I was trying to avoid. The representative seemed generally XXXX and uninterested in assisting me. I kept being persistent and inquired that there had to be some way to stop one of the duplicate payments. I asked about a stop payment for the ACH and if that was possible since it wasn't a physical check. The representative stated that a stop payment could be made for {$30.00}. I asked if I could receive a courtesy waiver of the fee and he rudely stated, no. I think he was being indignant and unnecessarily rude. Also, if a stop payment was an option why didn't he offer that as a suggestion from the very beginning?!
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello. I have been a customer of Chase since XXXX when they bought my account from Washington Mutual. After much research and my previous history with Chase Bank, I signed up for the XXXX XXXX XXXX in XXXX of XXXX. The offer on their website states ( and still does to this day ) 1 offer for this particular credit card. Spend {$3000.00} within the first 3 months of account opening and you qualify for XXXX bonus points. There are ways to earn above the XXXX as well. Chase only gave me XXXX points and no explanation as to why I did not receive the remaining XXXX. When I queried this ( several times ), I was told my application was for XXXX points after spending {$3000.00} within the first 3 months of account opening. I have asked several times, via social media, secure message and by phone, to show me proof of an offer that exists ( or existed ) for XXXX points. It does not make sense to have XXXX offers where you need to spend {$3000.00} dollars to achieve either XXXX or XXXX points. I have met the requirements of receiving the XXXX point offer. I was told that by several phone conversations, but no one can show me where the XXXX point offer exists or where my application shows I applied for that offer. I would like to be awarded the remaining XXXX points I am entitled to, since I met all requirements necessary to receive them.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A