Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am not liable for a debt with JPMCB Card ( JPMorgan Chase Bank , N.A . ) reported incorrectly to my credit report. I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ). They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ) matching these records. They did not provide me with the original contract as I requested. JPMCB Card ( JPMorgan Chase Bank , N.A . ) claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. I have filed a complaint with the FTC. JPMCB Card ( JPMorgan Chase Bank , N.A . ) is in violation according to 15 USC 1681a1 and 15 USC 1681a2. JPMCB Card ( JPMorgan Chase Bank , N.A . ) have caused a negative impact on my credit report due to the inaccurate information they have reported. Further, I am also not liable for a debt with XXXX XXXX XXXX, XXXX. reported incorrectly to my credit report. I do not have a contract with XXXX XXXX XXXX, XXXX. They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. I do not have a contract with XXXX XXXX XXXX, XXXX. matching these records. They did not provide me with the original contract as I requested. XXXX XXXX XXXX, XXXX. claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. I have filed a complaint with the FTC. XXXX XXXX XXXX, XXXX. is in violation according to 15 USC 1681a1 and 15 USC 1681a2. XXXX XXXX XXXX, XXXX. have caused a negative impact on my credit report due to the inaccurate information they have reported.
Company Response:
State: WA
Zip: 98033
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Sunday XX/XX/2023, in XXXX Indiana I attended XXXX XXXX XXXX XXXX with a group of friends where one of my friends played a XXXX game with the company XXXX XXXX XXXX. The woman running this game scammed both my friend and I out of money. She wasn't telling us how much each shot would cost and had the rule that after a shot was made it had to be paid. So we believed the cost was not going to be a lot since it was a carnival game. My friend wanted to win the biggest price so she spent so much money for it she was no longer able to pay her last shot because her Chase account was frozen and she was unable to get in contact with Chase due to poor signal. After standing at this game for thirty minutes as she attempted to get in contact with her bank I told the woman we were obviously unable to pay it and that since we hadn't gotten a price anyway we were just gon na leave. However the woman refused and threatened to call security if we did not pay some of the last shot which was a almost {$700.00} dollars. I only paid it because she was holding us there until I paid it. I have tried looking for this company online in order to get my money back and contact my own Chase account to get my money back because my friend was able to get her money back from Chase over the same issue but I wasn't. I also read that you make a complaint within 60 days of the fraud you are not held liable for any of the fraudulent purchase with your bank if you did not lose your card.
Company Response:
State: IL
Zip: 60617
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert from XXXX stating that a hard inquiry changed on my report. That a JP Morgan/Chase credit card was being processed. At this same time, I received an email at XXXX thanking me for applying to JP Morgan/Chase and they were reviewing my application for a new credit card. This was not me. I did not request or apply for a new credit card.
Company Response:
State: PA
Zip: 15227
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I entered the branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 at about XXXX to open two business checking accounts. I eventually spoke with the branch manager, XXXX XXXX, who said I couldn't open a business bank account then because the person that handles that wasn't working then. I asked her why couldn't someone else open the account, she just repeated that the person that does it wasn't available. Eventually, I had to schedule an appointment at a different branch because I didn't feel like XXXX XXXX was taking my interest in opening an account with Chase seriously.
Company Response:
State: HI
Zip: XXXXX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, consent, inquires. JPMCB Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response:
State: MN
Zip: 55330
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: Other transaction problem
Subissue:
Consumer Complaint: Please refer to the last complaint XXXX. This ccomplaint was sent to XXXX aswell On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX XXXX, XXXX WA, XXXX to get our {$3000.00} dollar back. We worked with the banker there, but XXXX fraud department is unwilling to work with us to get our money bank. XXXX required Chase bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to Chase Bank on multiple occasions. Chase Bank stated the money transfers were verified and that they can not reach out to XXXX because of their policies. Now I understand that XXXX deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if XXXX did their investigation and reach out to Chase to verified the transactions, but the process did not get done. We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not XXXX or Chase money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. Both myself and XXXX XXXX are willing to work with XXXX or Chasebank to find a solution. XXXX XXXX is willing to talk to XXXX and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.
Company Response:
State: OR
Zip: 973XX
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: Problem making or receiving payments
Consumer Complaint: This is regards to a filed fraud XXXX payment of XXXX $ I do not have any recollection of. This payment was made to a romell bell who I have no idea who that is. I tried to file a fraud claim with chase bank. Payment was sent in XX/XX/2023 to romell bell for {$800.00}. I then saw the payment I didnt make or was familiar with few days later and filed a claim immediately on XX/XX/2023. The bank then gave me temp credit back for the XXXX $ investigated claim and denied me and will be taking the XXXX $ back XX/XX/2023. I tried to works with them explaining my situation and still denied me and when I asked to redisoute I was denied and told I can fax or mail proof and I asked what proof can I send which is hard for a XXXX payment they said anything wont wouldnt sure my approval or help. Which is frustrating to get as Ive tried to figure out many things for proof but I dont know what would have sufficed. I tried working really hard with chase but still denied me and was met with rude service overall and got snippy with me when asking question and what I can do with the claim denial. This is horrible for a consumer like me trying to make ends meet in day to day life and if a bank cant protect me or my funds in these situations. I was denied because they show it was made via mobile chase mobile and had Face ID log in and I made sure to let them know that I had a jailbroken phone so I didnt require passwords. So a Face ID could have been easily made as my device did not at the time require passcodes and I did not make the transaction. I tried to negotiate about what I can do and all I get told was theres nothing further and claim is denied and now Im out XXXX $ I did not make to a XXXX XXXX. I even research that name and everything to see if family or friends knew of that name. Again I tried to ask who this romell bell was but they couldnt tell me or know any info on them. All i want is to have my XXXX $ back and safe and sound. I have taken further precautions and measures to not have this happen ever again as no one will have access to my device but me, I have removed my jailbreak on my phone so its no longer hacked and have secured codes on all devices and phones, as well as even chance my username and passcodes for chase and made complicated pass codes that will be hard go bypass. I even explained this with chase bank and yet there was no much more consideration or anything and I am at a loss and did not have any compromise or further consideration regarding my delicate situation. I do suffer from bad medical diagnosed XXXX and XXXX XXXX and XXXX and this stressful fraudulent situation has not helped in the slightest and only for chase bank to make things worse and not helpful in the slightest denying my claim. So here I am trying to seek further help and try to get this claim situation and my XXXX $ protected and back to me.
Company Response:
State: TX
Zip: 77064
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
Company Response:
State: IL
Zip: 60609
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 lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I had a membership with XXXX XXXX with my ex-wife in XXXX. I cancelled this account IN PERSON in XXXX of XXXX to the location at XXXX XXXX XXXX XXXX in XXXX XXXX. I continued to be billed $ XXXX x XXXX accounts for a total of $ XXXX for 4 years. Twice during that time, including today I have spoken with Chase Bank about this issue. Today, Chase initiated a refund and credit along with an investigation to see why the payments were allowed to continue. I did not pay close enough attention to my account, I suppose, but in the end, I not only followed the procedure outlined on XXXX XXXX XXXX website, but I also sent in a letter in XXXX of XXXX and followed up with a phone call to confirm receipt. I feel as if I am do my {$20.00} per month back from either XXXX at the time of the initial in person cancellation OR from the date of the letter in XX/XX/XXXX. This issue with XXXX XXXX is not isolated to me, it is a common issue and complaint with them. As a matter of fact, when I spoke with the representative at Chase this morning he shared a similar story experience that his mother had with them and they were demanding that she come in to a location in person to cancel and she had moved out of state to a place where there were no XXXX XXXX locations. XXXX XXXX continues to withdraw $ XXXX ( x 2 ) from my account each month and once a year they debit {$19.00}. This needs to stop, not just for me, but for others as well. You will find thousands of victims, I'm sure. When I contacted them today, they do not even have my membership still in their system YET, they continue to bill me.
Company Response:
State: NV
Zip: 89052
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: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 I deposited a check from my lawyer in the amount of {$6500.00} and since XX/XX/2023 JB Morgan Chase restricted my account stating I had to wait until XX/XX/2023. On XX/XX/2023 my account showed the cleared funds from the deposit of the check but Chase still had my account restricted. With in 3 days of the cleared funds Chase Suspended my account stating the check couldn't be verified. I have been communicating with Chase and My Lawyer since XX/XX/XXXX via phone. Now My Lawyer ( XXXX XXXX at XXXX XXXX XXXX XXXX ) is stating he is going to issue a Warrant for my Arrest stating I'm harassing him by asking what phone number should I provide Chase to verify the check which is what Chase is telling me I need to move forward. I'm completely at a lost of words. If Chase received the funds and the check cleared with NO dispute of payment why are they holding the funds and suspending my account.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A