Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I wrote XXXX XXXX about the accounts on my report belonging to my brother for the vehicle he now has and previously had and traded for newer trucks and jeeps. They never responded nor removed his credit checks off my account. I've never owned a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I own a used XXXX XXXX XXXX XXXX which is financed through XXXX XXXX XXXX. His credit checks for his truck which he traded was through XXXX dealer service is on my credit report. His XXXX which was through JPMCB is on my report and his now XXXX XXXX XXXX XXXX is financed through XXXX XXXX XXXX XXXX is on my credit report. These are all dated XX/XX/XXXX. There's a XXXX on my report which I have no idea what it's for and XXXX XXXX XXXX on my credit report also that showed up the first of this year along with everything above. But I don't understand why they put these on my report this year they weren't on my credit report last year. We don't have the same social security numbers, we just share the same address. We are brother and sister, I'm XXXX and he gives me a place to live. I had really good credit before this got added to my report. It dropped my scores XXXX points. How fair is this to me?
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
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: We canceled our card with Chase back in XX/XX/XXXX. We had a XXXX balance from XX/XX/XXXX statement all the way through to our XXXX statement where they put a yearly fee of {$49.00} on the account. I immediately contacted them via their website on XX/XX/XXXX at XXXXXXXX XXXX that this account should have been closed by them months ago and to remove the yearly fee. On XX/XX/XXXX at XXXXXXXX XXXX they responded. Part of the letter they sent through the message board on their website was " We closed your account, as you requested. We'll refund your account. '' I just received the new statement for XX/XX/XXXXXXXX XXXX XXXX. The refund shows ( dated XX/XX/XXXX ). There is a notice on this statement that says, " Your account is closed and no longer available for use. '' This tells me that they accept that the account was closed when the yearly fee was posted on XX/XX/XXXX. However, there was also a CHARGE from XXXX dated XX/XX/XXXX ( posted XX/XX/XXXX )! I called them and said that if the account was closed then they should not have accepted the charge from XXXX for the amount of {$210.00}. In other words, the error is by Chase. They told me that I had to go to XXXX and have them reverse the charge and charge my other card ( not a Chase card ). I told them that this was not my mistake and their website gives me the option to dispute the charge based on the fact, in my mind, that it is their error. Later, I contacted XXXX. They agreed with me that if they reverse the charge it will automatically cancel my subscription! They also said that if Chase reverses it, their computer will automatically charge the other card on file. No harm done to the subscription. This morning, I was alerted that there was a new letter from Chase on the website. Chase 's system does not have the option for the refund for Chase 's error so they coded it as that I " believed the merchant didn't provide the services... purchased ''. Therefore, when they went to verify it came up that I DID receive their services and they declined the dispute. I would like to know if there is any way to make Chase fix their mistake and clear this charge from my closed account.
Company Response:
State: CT
Zip: 064XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account was paid off XX/XX/2022 Credit bureaus are still reporting the account still open and delinquent
Company Response:
State: MD
Zip: 21215
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I reported a transaction of the amount {$750.00} in my Chase Freedom Unlimited Card upon noticing it that same night while in XXXX XXXX, XXXX. The transaction had the merchant listed as " XXXX XXXX XXXX '' and the category of the of the transaction was listed as " Bars, taverns, clubs ''. I have tried searching up the merchant to see if I could find any details in order to fix the issue but upon searching, I was not able to find any actual detail of the said merchant except for some social media profiles of people with the name that was listed on the merchant. This happened abroad in XXXX which also happened to be where I was at the time for 1 day. As a result, I had lack of access to my phone number associated with the account since it did not work in XXXX. So I had to find an online service that allowed me to contact the Fraud Department in order to dispute the charge. I did happen to have my card at the time with me so I did confirm that I infact did have my card and this led to my dispute being under investigation. However, to further back this up, I decided to try to get a police report in XXXX and since I couldn't find any actual formal way of doing this, I asked my hotel front desk for advice on how I could get a police report. They had hired a taxi driver to take me to the nearest police station as well as translate for me in XXXX to the police and explain my situation. Upon discussing the situation with police, I have narrowed one potential place where my card may have been used and it was potentially at 2 coffee shops as I was there earlier that same night outside of my hotel eventually narrowing it 1 coffee shop that was not exactly reputable according to police. However, I affirmed that I did not authorize a charge of {$750.00} and being told a lesser amount and I did not have any exact memories of using my Chase card at the coffee shop as I have mostly been using cash in the places I have been to in XXXX given that many places that I have visited didn't accept card. In fact the only XXXX charge that is even listed in this account or in any of the credit cards that I had in my posession is this transaction. The local police were hesistant about writing a police report and said that it would be of no use to me since it would be in XXXX and were more insistent on trying to go to the suspected shop as to where this has happened as it was possible that my card may have been used without my knowledge. The police even followed up with me later that night outside of the hotel to see a printed paper of the transaction and planned to take action though without giving me a police report. Feeling somewhat reassured, I ended up continuing my travel outside of XXXX the next day, letting the dispute go on. On XX/XX/2023, I received a letter online from Chase that stated that they determined the charge was valid and that I have benefitted from the transaction. At the time I was in the XXXX region in XXXX where the government has geoblocked all foreign numbers due to political and security reasons. I used the same online service to contact the fraud department regarding this issue as I could not access my US phone number. I was given the reasoning that this transaction was a chip read in person or face-to-face as for why the charge was valid. I tried to remember again about the incident that happened 2 months ago as to where I might have used my Chase card to no avail. This dispute ended up being reopened and " in-review '' by the Fraud Recovery Team as well as having been given an email for the team to send out any supporting documents such as a police report. However, the transaction was still rebilled to my account and is still showing up on my latest statement despite the dispute being " in-review ''. For this whole past week I spent time trying to find out how I can file a police report in XXXX and tried to see if I could contact the XXXX XXXX XXXX, the only available contact was a XXXX which I emailed little more than a week ago with no response given. I kept following up with the Fraud Recovery Team to provide more details while also sharing my concerns regarding this dispute as I could not have imagined authorizing what essentially is a quarter of my savings for what appeared to be food and drinks. I have also tried asking Chase for any information as to the merchants contact info which I was not been provided and I even tried to see if there was a receipt by any chance but to no avail could not resolve the issue. As I don't have access to my US phone currently, I was not able to answer any callbacks from the Fraud Recovery Team so I made sure to call the team for any updates incase they needed me to call back which made communication hard. Eventually, it has been agreed that I would be receiving a callback on the XXXX of XXXX. I have however still reached out as recent as today to ask about the fraudalent charge being rebilled in my statement and if I should be concerned with it and was told that not to worry currently as this was still being under financial review and that I could expect a resolution rather than a call back in 4 business days. I was frustrated with the vague and confusing information that has been given to me so I called the corporate office to get in touch with the escalation department about this issue and share my concerns. The escalation department expedited me to the credit customer service to share my concerns where they confirmed the reason for the charge being determined valid was that it was face-to-face. Again trying to remember where this could have happened, I tried to explain my side as well as explain the fact that I would not in anyway have authorized a large amount for what may have been food and drinks. I was told to just wait and to relax for the rest of day instead. While this is technically still ongoing and not resolved within the company side, this has been extremely frustrating for me essentially to be treated as if I I would willingly authorize a quarter of my savings in a country where a few nights in a luxury hotels would still be of a lesser charge than what was listed in the transaction with no way to contact. This is in contrast with experiences that I have with other banks where I had a much less stressful time when anything serious popped up. If any more information is needed, I am willing to expand further. I have attached documents supporting the steps I have personally taken to try to resolve the issue whether it be the contacts I had with my hotel ( XXXX screenshot ), the various calls I had with the fraud department or any other branch of Chase ( XXXX screenshot ), or emailing the police force in XXXX ( XXXX pdf ).
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited {$800.00} in cash of XXXX {$20.00} bills the machine turned off, recycled and then turned back on showing right now this atm can not operate on XX/XX/2023 XXXX ; XXXX ; XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX, I called the number on the atm and took pictures of the atm, spoke with XXXX at XXXX received a claim number XXXX and them was transferred to another agent and was told the funds would be available until an investigation was completed, then i was informed of a fee reversal. I asked if they could review the video of my transaction and was told they could not. Chase atm stole my {$800.00} cash deposit. Please advise. Thank You
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: XX/XX/2023, forged endorsement: someone else endorsed a check with my name. $XXXX chase bank acc thanks
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My bank is Chase. I wrote a check in the amount of {$3200.00} for a rent payment and mailed it on XX/XX/23. Several days later my landlord said they hadn't received the check, I became concerned since ii know that the check for {$3200.00} cleared. When I checked my account for a check image it became obvious that someone intercepted the check, cashed it at XXXX XXXXXXXX XXXX and then Chase honored it. I filed a dispute with Chase fraud claims on XX/XX/23, but I received a notice in the mail from Chase that more info was needed. I faxed that information to them on XX/XX/23. It is now XX/XX/23 and every time I call Chase to get a status of the claim I'm told they are still waiting for XXXX XXXX to get back to hem. This is an obvious case of fraud/forgery, since after the check was cashed by XXXX XXXX the criminal reforged the check again differently twice and tried to cash them at Chase, but my account was already restricted. This is an obvious case of fraud where it should be evident to both Chase and XXXX XXXX, but I can get no resolution.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent the following information to Chase. Chase is delaying release of our wire transfer for three days without proper cause. To Chase Bank : This is to demand immediate release of my wire transfer of multiple seven figures which came from XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The XXXX, the sending bank sent this wire on XX/XX/2023 ( before the wire cut off time ) and informed me that the funds would reach my count the same day. See attached Advice of Debit. As noted in the Advice of Debit, the funds are from the sale of my house. My wife, XXXX XXXX, and I had planned to immediately deposit this money into high yield interest bearing accounts ( 4.6 % -5 % ) to earn interest on the principle. As of today, Day 3 since the wire was sent by XXXX, due to Chases negligent or reckless failure to release the fund, we have incurred a loss in earning interest which could be over thousand dollars as of this writing. On XX/XX/XXXX. 2023, at about XXXX XXXX, noting the funds were not credited in the account, XXXX ( joint account holder ) called Chase and learned that Chase had sent additional verification request for information XXXX and was waiting for XXXX XXXX respond before releasing the funds. ( She first spoke to an agent named XXXX who confirmed to her that he could see a pending incoming wire from XXXX into the account. He then transferred the call to Wire Research Dept ( WRD ) and she spoke to an agent named XXXX. ) After learning Chase was waiting to receive the information from XXXX, she immediately contacted our escrow officer, XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX had authorized the wire via XXXX to our account at Chase. XXXX stated that she had received a service request for information from Chase earlier in the morning and that she had sent in all of the verifying information to XXXX and XXXX had transmitted the same info to Chase. She assured me that there would be no problem for Chase to release the funds shortly as all information had been promptly confirmed and verified by her and XXXX. MY wife and I then contacted our local Private Banking branch in XXXX XXXX, California, and spoke to a Relations banker, XXXX. He called us back and told us that he was told by Chase XXXX that they were STILL waiting for the information that XXXX previously confirmed the authenticity of the wire transfer. We called XXXX XXXX back and told her Chase claims that they were still waiting for XXXX to respond. After an hour long five-way conference call between my wife, XXXX XXXX, XXXX, XXXX of Chase, and XXXX of Chase XXXX. During this call, XXXX RESUBMITTED the verifying information to Chase and XXXX stated that she would escalate release of the funds. My wife informed her that we unless we have the funds by XXXX XXXX same day, we would hold Chase responsible for the lost interest payment and XXXX XXXX us all conversation was being recorded which my wife agreed to. Today is Day 3, and as of this writing Chase has FAILED to release our funds which should have been released on XX/XX/2023, if not at the latest the morning of XX/XX/XXXX. My wife called Chase WRTD ( XXXX ) again this morning at XXXX XXXX, spoke to a rep named XXXX who stated that she was seeing the requested information from XXXX in the system but now Fraud Dept was handling this wire before it can be release. This is outrageous. Chase is not only delaying our money at our expense, and has no proper or legal grounds to delay the release the funds at this point. I demand IMMEDIATE release of the full amount into my account. If Chase fails to do so, I will immediately file a complaint with CFPB to investigate this unacceptable practice by Chase and its failure to release my money. At this point, you have absolutely no reason or legal ground to delay this and cause loss in income for my family. I hereby also demand prorated interest at 5 % annum from XX/XX/XXXX for payment for claims for lost interest and other lost opportunity based on the principle amount in issue.
Company Response:
State: CA
Zip: 90272
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase is not responsive to my report of fraud on my account. They are telling me the fraud I have reported on my card is not fraud - when it clearly is. They are then telling me that I have this long manual process to get the charge cleared from my account. I was told I need to reach out to the vendor who charged the card as fraud, who does not have a customer service number & who charged the card without permission, I expect chase to resolve this issue & not place the onus of fraud onto its customers.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase tellers failed to recognize the fake ID and gave away {$11000.00} of my money from my checking account, which I need to use now and can not access due to their error. I submitted a claim with the JP Morgan Chase claim department on XX/XX/XXXX and still did not receive my money back.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A