Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, JPMCB CARD SERVICES ACCOUNT # XXXX has violated my rights. 15 USC 1681 Subsection 602 : States that I have the right to privacy. 15 USC 1681 Subsection 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: WA
Zip: 988XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I got XXXX checks from my lawyer for settlement, XXXX is {$43000.00}, XXXX is {$60000.00} and another one is {$7400.00}. I deposited XXXX checks ( {$7400.00} and {$43000.00} ) on XX/XX/XXXX and Chase approved them and I got money on XXXX. On XXXX, I deposited another check for {$60000.00} in a Chase branch. However, on XXXX, I found that I can not do anything with my account and there was a restriction for my account. I called Chase and asked why, they told me that they need to verify it, I provide them with the Law firm 's office number and someone told me that they needed to verify with the maker 's bank and make sure the money is clear and hopefully the restriction would be removed on Monday. On the next Monday, I found that the restriction still exist and I called Chase again. Chase said that they needed to verify with the maker so I provided both my lawyer 's phone number and office number to them. Actually I called Chase a lot of times, some specialists told me they couldn't reach out to the phone number and the phone call was sent to voicemail box. Some specialists told me that the numbers I provided couldn't be verified by the risk system. I contacted with my lawyer, he told me he only had these XXXX numbers for this business he didn't know why they didn't work and he said Chase could reached out to him and he was willing to help them with this issue. I called Chase many times but they just told me they couldn't because they could only reached out to the numbers linked to the business. Also on XXXX, my lawyer told me he checked with his bank and the money was sent to Chase alreay. Then I found that my check was not pending but just on hold. In the next whole week, I contacted with Chase everyday and wanted to resolve this issue, but it seems like they didn't want to do that, they just told me my number couldn't be verified and they had to contact with both maker and the bank to make sure money clear, and they told me that they hadn't not deduct money from the maker 's account yet because they didn't verify it. But my lawayer told me the money already sent to Chase. I was so depressed because I can not use money from my checking account and the debit card is my only XXXX debit card. On XXXX, I called Chase again and a specialist was very nice and told me the office number I provided worked. Then he contacted with the office and told me the check had been verified by the office. He said he needed to submit the request to his boss and maybe my account would return to normal on Friday. However, it didn't. In the morning of XX/XX/XXXX, I contacted with Chase Fraud team again, a specialist told me that my request for the verification has been rejected and they have to verify with both the maker and the bank to make sure the check is clean then they will release it. I feel very confused because My lawyer and his bank said the money already clear and sent to Chase and It has been a week since restriction, it seems like that they didn't do anything for the check. In the afternoon of XX/XX/XXXX, I went to a Chase branch for assistance. A banker called the team again and someone said that that's because my lawyer 's law firm has long history so maybe the number they use now is not the original one for registration. My banker told me that they may close my account on XX/XX/XXXX if the check couldn't be verified. It's not my fault right? How can I get the number may not be used anymore? Why should I take all the responsibility for that? I used Chase since more than 5 years and I never did anything risky. I know maybe their system is strict but the check is obviously clear ( they just put my check on hold ). How should I do? I can not even sleep well everyday. I tried a lot of times to deal with this issue with Chase but they didn't help me, they just told me oh we couldn't verify it, that's it.
Company Response:
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I reported a scam payment with {$85.00} today ( XX/XX/XXXX ) and requested to cancel the payment with Chase bank. However, they told me they could neither cancel the payment nor refund the money back. I dont think its reasonable since I called immediately after I transferred the money and knew it was scam. Shouldnt the company protect their customers?
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made an uninformed decision on XX/XX/2017, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have the records that show i cashed a check from a prospective employer who paid me cash up front buy needed equipment for a job i was being hired for ... cash check with my bank and talk to someone who says that once funds were release to my account that the check couldn't bounce or be removed from my account so i send off XXXX via XXXX to XXXX was found out ot be a scam .... but i was told that the funds once i could pay them out they couldn't be returned ... i waited three days before sending anything off the cashed check... well that was completely wrong .... and two days later after the XXXX had already been sent offf via XXXX they bounced the check in the first place leaving me down XXXX XXXX plus fees for loan I took out when i realized i had been scammed and even told the bank i was scammed and they made it impossible for me to talk to the person who assured me that my funds would not be recalled after the scam artist had gotten me to cash their faulty check and send out funds =the bank said couldn't be recalled so i was out XXXX + fees for taking out a loan on my credit card to cover for over draft issues with the XXXX dollar check being returned after begin told false info from calling in to the bank first ... i have records that Ive taken down off of my account but cant get records of who gave me the false info and chase bank has never let me find who gave me te false info... .the check was returned XX/XX/2022, check initially cleared via online deposit XX/XX/XXXX ... i waited until XX/XX/XXXX to send off the first XXXX payment and was about to send off XXXX more before i got stopped up and decided to double check again to find out id been scammed and hoodwinked by my bank at the same time
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had this Rapid Rewards account for some time, and pay it off every month. In the past I have made multiple payments, with the intent to avoid finance charges and pay the balance in full by the billing closing date. The last payment of {$3700.00} made on XX/XX/2023 was to XXXX out the account balance. When I contacted Customer Service, I was informed the full balance needed to paid by the due date. This is not how I have been managing my account before with paying the full balance by the closing date to avoid the finance charges. I requested a courtesy adjustment of the {$210.00} and acknowledged I would pay the balance off by the due date going forward, but was declined. As you can see by my account history, I have only carried a balance forward maybe 1-2 months, and found this service unacceptable, especially when I pay for this card. If this is not resolved in my satisfaction- I will use my other credit card that offers better service and perks.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: on XXXX XXXX, Chase bank issues an updated policy titled " Chase digital service agreement ''. The file is XXXX pages long, and is full of technical jargon and details that are difficult to read and understand. Additionally, Chase is REQUIRING the user to fully accept the agreement, or the user will no longer have access to use any online features. ( Banking, reading statements, etc ). This action is extremely restrictive and is forced on the user with no choices to accept or lose use of the app and its functions, which for many people, is their only way to perform most if not all of their banking needs. This action takes any and all choice away from the user, except for " comply or get out ''. This unfair business practice leaves the user handcuffed and unable to do anything to maintain our rights as consumers with regard to policy changes. Chase knows that 99.5 % of people will blindly agree to this, knowing that the XXXX pages of details are WAY TOO MUCH for people to read or understand, and in this way forces whatever policies and requirements on a unknowing consumer just to fit the needs of the bank, and giving nothing but rules and restriction to the people they are supposed to be serving. I see this as a strong armed attempt to force the user to follow their demands without any concern for the consumers rights and freedoms. This must be investigated.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) . and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party. I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: International Wire transfer was not handled correctly. On the fourth of XXXX, 2023 at XXXX pm. traveled from XXXX XXXX to XXXX XXXX Texas. Was told I had to go into the bank personally to make a wire transfer for which I was told that if I personally it would take no longer than 24 hours. The wire transfer never made it to the bank indicated and I was not told or notified of wire transfer being returned to my bank until the XXXX of XXXX, for which I had to call to see where the funds had gone. This clerk error cost me XXXX dollars to travel to an from the bank an housing cost. An XXXX dollars for wire transfer plus XXXX dollars for transaction error and now XXXX dollars to place the complaint. It also caused me to lose the business transaction for what it was needed for. when at the bank I went to a desk employee an was told the window clerk would be able to handle transactions for me. I went in on the XXXX of XXXX and the receipt of the transaction was dated the XXXX of XXXX. It also caused me grave hardship for a clerk error and my time. Total of XXXX. We also called several times during the process to verify that transaction had been down properly. Gave bank account several times, entered bank routing several times and the bank employees stated that everything was in order an that it should be there again by next day, And next day never came. For this reason I feel that I should be refunded my fee of XXXX dollars for wire transfer, XXXX dollars for error transfer fee and for XXXX dollars for dispute of transaction error of XXXX. I know that the travel XXXX not be included of XXXX but if I knew that this transfer could of been done over the website because it took the same length of time in office or on the website, I would not have to have traveled all the way back to XXXX XXXX Texas as told to do so by a bank office member. For this again I am placing a complaint for bank error, bank mistrusted information and for hardship caused again for trusted bank information. I have attached paperwork used for wire transfer and receipt of confirmation for wire transfer that was done at the branch office in XXXX XXXX Texas.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was a victim of check washing fraud by Chase bank and XXXX XXXX XXXX. For a total loss of XXXX, was cashed and stolen from my account. I have been trying to recover it from Chase however 10 months have gone by, and I have been unsuccessful. The bank also wont issue me provisional credit, while they complete the investigation. I am requesting to be helped out this process.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A