Date Received: 2023-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I submitted a dispute with Chase Bank company on multiple dates over the last 6 months. I Checked my credit report on XXXX, XXXX, and XXXX and it has not marked as disputed, So I am unsure if the company is following The law 15 U.S. Code 1692e - False or misleading representations Section 8 : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Here is my account info during investigation I want this account XXXX XX/XX/2016 deleted
Company Response:
State: CA
Zip: 92881
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: The account I currently have with chase Bank ending in XXXX has been restricted without recourse and I have no indication on the release of funds. No information has been given and these funds are pertinent.
Company Response:
State: PA
Zip: 19131
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 Friday at XXXX I attempted to deposit cash in the ATM at Chase bank location XXXX XXXX XXXX XXXX XXXX I put in my cash of {$1100.00} and the atm accepted most of it. Then it said a message it couldnt accept some bills and then it gave me back ( 1 ) {$100.00} bill and ( 1 ) {$1.00} bill and said I could I insert up to 23 more bills. I unfolded the creases and inserted back into the machine. Then the ATM shut down the machine, said an error message that it was no longer accepting cash and gave me a receipt saying to call a number to call chase and see if the deposit had posted. I tried to call and report what was going on but the department was closed. I researched online and found a number where I did get a live person but he said he was unable to help and call back the department at XXXX. I did call them back and opened a claim and gave them the information from the receipt from the atm and they said they cant credit my account until the investigation is completed. I tried letting them know that the {$1100.00} was to go along with other money I have my account to cover my rent check and I need them to at least credit the money to my account so my daughter and I dont get evicted. The agent then told me she would see what she can do and came back to the phone and stated there was nothing she could do. I asked to speak to supervisor and I spoke to him and he said there is nothing he could do. I was told it would take a minimum of 10 business days before anything can be done. I tried telling them I dont have 10 days because I will be evicted by then and I was told thats the process and they issue the temp credit to my account. I asked if they could pull the camera, count the money in the atm and I know it would be over with the last money I was able to insert and it would be unaccounted for. They still just told me they cant help me. Around XXXX AM I went to the the same branch and spoke with a person name XXXX and told her what was going and she eventually told me after contacted the department to try to help me get the credit there is nothing she could do and the person on the phone told me the same thing. I even told them to look at my account and they would see I pay my rent the same time every month. XXXX did do just that and tried to point that out to the department to see if they would issue me the credit. They told her no and me no because it was too much money and implying if it had been a smaller amount then they could help me. I couldnt help but cry because I didnt how to tell my daughter on her birthday by the way we was going to be evicted because XXXX XXXX to count the money in the machine and find the overage and credit that my to my account so that I wouldnt get evicted. I was told before I left the bank they wont probably cover the check even though I have overdraft protection on my account as well. At XXXX I received a call from the branch XXXX name XXXX and she said that her employee XXXX XXXX my situation to her attention to see if she could help. So she ask me to bring the receipt back the branch and she was going to see if she could get me at least the credit to my account. I took the receipt back up there a little after XXXX and she made copies and she told me she would try to help me but I never heard back from her or anyone else the rest of that day. I woke up this morning and there still no money or credit to my account. I called to get an update and was told by an agent there will be no update because they dont do. The investigation on the weekends. XXXX XXXX want to do anything to help me with this matter that is not my fault and all did was try to put money in their machine at the branch. I need fast immediate help right now before I get evicted when this check come back unpaid to my rental company. I cant get evicted because I tried to pay my bill. This is unfair and I need someone to care and make this right. I did nothing wrong but Im being severely punished.
Company Response:
State: FL
Zip: 32811
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: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: {$5000.00} XX/XX/2019 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent
Company Response:
State: FL
Zip: 34759
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I discovered on my Chase online banking that my account had been hacked again. A total of 9 ATM UNATHORIZED withdrawals were made on XX/XX/XXXX. This occurred again after chase had send me a new card and returned my money back on XX/XX/XXXX. from previous claim with same situation. I immediately reached out to Chase bank again thinking how this could be happening again, after I had just received a new ATM card. The chase representative informed me that the transactions were made with my NEW card and my PIN was used. I was in disbelief, I explained to the representative that I never lost the new card and was always with me and I did not make those atm withdrawals. Also discovered by talking to the representative that an address from XXXX NY was on my account, that was the city and State where all the transitions from my previous claim occurred. The representative proceeded to remove that address from my account and a new claim was submitted on XX/XX/XXXX. for a total XXXX on unauthorized ATM transactions. On XX/XX/XXXX the claim with Chase was denied again, saying that the transactions were made with my atm card and Pin number and there was nothing they could do.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There were unauthorized fraudulent charges made to account. Chase refused to remove these errors because they believed it to be verified.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am in the process of selling my home. Chase bank acquired the company I originally received a loan from. They have not filed my extension of credit, so the title company can not clear title for me to close. They also have not furnished any documents from their lien research department.
Company Response:
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I tried getting a Chase XXXX credit card several times I was turned down even though I had a excellent credit rating and earn over {$500000.00} income a year I believe I am being discriminated because of my age When I applied the first time, chase told me over the phone apply in a few months I did and was turned down Here is there ref # the last time I was turned down # XXXX
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX XXXX XXXX I called my bank Chase Jp Morgan XXXX I noticed an unauthorized charge for {$63.00} on XX/XX/XXXX with the following description " XXXX XXXX XX/XX/XXXX XXXX Dollar XXXX X XXXX ( XXXX XXXX ) ( ... XXXX ) '' on my checkings account via my debit card. I never made OR authorized this transaction and called on XX/XX/XXXX to report the fraudulent transaction. The representative from Chase on the phone then disputed the transaction on my behalf, which resulted in my current debit card being terminated and the amount was refunded immediately. However, onXX/XX/23 I see that the chargeback was reverse and that amount of {$63.00} was taken from my account again. On XXXX XXXX XXXX XXXX I called the bank and asked why this chargeback was reversed and the bank said that the merchant submitted information that proved that I made the transaction. They said they could not give me the information via email or over the phone and that I needed to wait XXXX days to receive it via regular mail. I finally received the information on XX/XX/XXXX and reviewed the docs. The merchant submitted a blank form with no identifiable information that proved that I made the transaction. The unauthorized transaction had no information to link to me. The address was blank. The XXXX was blank. The Name was blank. There was no information whatsoever in the document that the merchant provided that linked the transaction to legitimacy. I have attached this document in my attachments for your reference. On XX/XX/XXXX I called the Chase JP Morgan XXXX department again to notify them that I received the paperwork and that there was no identifiable information to link the transaction to me at all. I spoke to XXXX in the chargeback department. XXXX proceeds to tell me that this transaction was filed as a " Item Not Received '' and not as a " fraudulent transaction ''. I went on to explain to XXXX that this is not possible as I called and Chase literally cancelled my card and on the phone filed this as a fraudulent transaction. She said on her system that it was Item not Received! As a result Chase said they can not escalate the chargeback to pre-arbitration. However, this is not my mistake, I called and the phone call was RECORDED where I told the representative it was a fraud transaction. However, the representative messed up the reporting and as a result I'm stuck with a transaction I never even authorized. The entire experience has been jarring. I really hope CFPB will investigate how ridiculous of a round-about way they have treated me. The case number with Chase JP Morgan for the chargeback is # XXXX
Company Response:
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I was alerted of money taken from my account and was called by chase to resolve the issue. Instead they coached me and ended up taking all my money in total of {$13000.00}. I dont know what to do anymore. I was stuck at work and not near any chase bank branch to help me. I went to a chase branch before dor the same problem and all they did was give me a new debit card. No help by chase whatsoever.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A