Date Received: 2023-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor ( jpcmb ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Company Response:
State: PA
Zip: 17901
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: Fraud or scam
Subissue:
Consumer Complaint: We contacted someone, XXXX XXXX located in XXXX, TN, though an automotive facebook group on the recommendation of someone else. We asked if he had a particular set of wheels available and he said yes. We messaged for several days and on XXXX XXXX, 2023 we negotiated a price for the wheels, he then sent an email address to use for XXXX. I questioned the name on the XXXX account that came up, XXXX, he said it was his wife. We sent the money which was {$1000.00} USD. He said he would send the tracking number the next day. He did but then we also got an email from a shipping company saying we would have to pay an additional {$1500.00} USD to have them delivered. We questioned XXXX XXXX that this was not the correct way to ship these wheels, he said it was and we questioned him again. There is a consignment number/tracking number but we found the shipping company is fake, we looked at their website. The phone number he provided on the tracking as well as the email address are invalid and when we asked for another phone number he would not provide it. I called my bank right away on XXXX XXXX, XXXX and filed a claim but they said they could not honor it and would not refund the amount to my account. I have also filed a dispute/claim through XXXX.
Company Response:
State: CO
Zip: 80602
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: Fraud or scam
Subissue:
Consumer Complaint: I am a loyal Chase customer for many years. I was at work yesterday when I got a call from the Chase XXXX number. I answered and was told I had fraudulent activity on my card. I saw that there were several unusual charges. Then I was told that someone I didn't know was initiating a wire transfer and to counteract it I had to send the same amount back to myself. The instructions were confusing but I thought that it was my bank. Turns out it was a scam and I wired someone {$9100.00}. I called Chase many times and they refused to reverse the transfer even though it had JUST happened. I am furious that there were not better protections in place. Now I am not very hopeful that I will get my money back. Of note, I filed a police report at my local precinct. I was told that that has happened with 6 other Chase customers in the past 48 hours.
Company Response:
State: NY
Zip: 11222
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: On or about XXXX XXXX I noticed a transaction for {$3500.00} that was about to be paid from my business account that I did not authorize. I immediately called Chase Bank and asked them to put a stop payment on this transaction. They said they would and charged me a {$30.00} stop payment fee. I asked them what was the name of the bank attempting to withdraw the money. I was told it was XXXX XXXXXXXX XXXX. I was given the bank 's number which I immediately called. No one answered so I left a VM. No one has returned my call to this day, When I checked my account the next morning, I noticed that Chase bank paid the XXXX XXXX.I called Chase Bank to ask why they paid the withdrawal when I had put a stop payment on it. They were apologetic but said they had no recourse but to pay it since it was an ACH and I had authorized it. That was not true. I asked for the form where I authorized the payment. I was told I would need to file a complaint to get the form, which I did. I was told that my complaint was denied because I had authorized the transaction. I told the person I talked to that I did not approve the transaction. I again asked asked for the document showing my approval of the withdrawal. I received it through the mail. I had never seen this form before and at the bottom right hand corner of the form was a computer generated signature supposedly from me. I called the complaint department again and asked if there were any other steps I could take to get my money back. I was told to file a second complaint which I did. My second complaint was denied. Chase Bank told me it was denied because I authorized the transaction. I asked if there was anything else I could do and I was told no. I want the money put back in the business account. Interestingly enough while the complaint process was underway, I received an email from an unknown company asking me that if I signed the form they sent me, they would put {$40000.00} in my business account. The form they sent me to sign stated that if I authorized the transfer of {$3500.00} from my account to them, the money would show up in by account. I did not sign the form. When I got back in my office I attempted to download the form, it was gone from my email.
Company Response:
State: TX
Zip: XXXXX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Person or Persons are applying for Credit cards using my personal information. I have not applied for any credit cards in over 5 years, but I am receiving a card in the mail that was approved, along with another mail from a different institution saying my application was not approved.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: Visit in person the JP Chase local branch at XXXX XXXX XXXX, XXXX, VA XXXX. Spend 2 hours in the branch, and had to return three times to get the bank to endorse the insurance claim check the was made out to myself and JP Chase. I was repeatedly told they could not help and I had to mail in it because their computer told them to tell me they couldnt help. I worked with cashier, associate, and manager. Even after they handed me a stack of paperwork with confusion, instructions it would have taken weeks to have the check endorsement. Even the documents stated I could bring it into a local bank which I show them and they said they couldnt help. I had to call the corporate office to call the local branch.
Company Response:
State: VA
Zip: 20191
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: I WAS ADVISED BY XXXX XXXX XXXX, A NON-PROFIT CREDIT COUNSELING AGENCY TO ASK CHASE TO TEMPORARILY REDUCE MY INTEREST RATE. THE AGENT SAID, " THAT IS NOT AN OPTION. '' I'VE BEEN WITHY CHASE SINCE 2006, AND I'M A GOOD CUSTOMER. THEY DO THIS FOR OTHER MEMBERS, BUT REFUSE TO HELP ME. I HAVE THREE CARDS WITH THEM. TWO HAVE A VERY LOW BALANCE, BUT ONE IS VERY HIGH. WHILE I'M NOT USING THESE CARDS ANYMORE, MY MINIMUM PAYMENT SEEMS TO BE GOING DOWN ONLY A COUPLE OF DOLLARS A MONTH. I'M XXXX AND MY INCOME IS ONLY XXXX, WHICH IS {$940.00} A MONTH, BELOW THE FEDERAL POVERTY LINE. I'M STRUGGL.ING TO PAY BILLS.
Company Response:
State: CO
Zip: 80120
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 The hard inquiries submitted onXX/XX/2023 are all fraudulent which I do not recognize. I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Company Response:
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: JPMCB ... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A