Date Received: 2023-08-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 @ XXXX My husband received an email approval for a new credit card under my name. We contacted our credit card company. We then completed a credit report for a 1 year fraud alert on my account.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: One day my landlord came over and asked me your rent payments have been pulled out of our account so went to the bank and the bank manager said we will put it back in the landlord account so I wanted six days and the I checked my account it was XXXX Negative balance they said someone claimed it and got the money so why did they approve the claim
Company Response:
State: AZ
Zip: 85712
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have XXXX charges I have disputed twice with no resolution. Both charges were with XXXX different merchants both billed to a chase card ending in XXXX. The first was a hotel charge for XXXX XXXX XXXX XXXXXXXX ga on XX/XX/XXXX. For XXXX. The second was a XXXXXXXX XXXX charge on XX/XX/XXXX for XXXX. I did stay at both hotels and used points and had no charge for the room. I also had free breakfast at both. Parking was free at XXXX XXXX XXXX. XXXX had a charge but waived all my parking charges. I did not charge anything to my room on either merchant. I have tried to dispute these twice with no success.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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: XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, NW Washington , DC 20580 Re : Complaint Against Chase Freedom Account Ending in XXXX for Failure to Address Dispute and Refund Dear Sir/Madam, I am writing to formally file a complaint against JPMorgan Chase Bank , N.A . regarding their handling of a dispute and subsequent failure to refund the charges made to my Chase Freedom credit card account ending in XXXX. I believe that their conduct in this matter is in violation of consumer protection laws and regulations. On XX/XX/XXXX, I made a transaction using my Chase Freedom credit card for a XXXX trucking rental service. Unfortunately, I encountered significant issues with the service provided by XXXX, including On XX/XX/XXXX, I rented the aforementioned truck from XXXX to facilitate a personal move. From the outset, I noticed that the braking system of the truck appeared to be faulty, as it exhibited alarming signs of deterioration and inefficiency. Despite this, I proceeded with the rental, hoping that the issue might resolve itself or improve with use.Throughout the rental period, I experienced numerous instances of the truck 's brakes exhibiting irregular behavior, such as : Delayed Response : The brake pedal had a considerable amount of slack, causing a delay in the braking response when applied. Grinding Noise : The brakes emitted a loud grinding noise upon use, indicating significant wear and tear on the brake pads. Reduced Stopping Power : The truck 's braking ability was notably compromised, requiring me to apply excessive pressure on the brake pedal to achieve minimal deceleration. Brake Fade : During extended downhill descents, the brakes showed signs of brake fade, leading to a significant decrease in their effectiveness. These alarming brake-related issues not only caused severe inconvenience during my journey but also jeopardized my safety and the safety of other road users. As a responsible and cautious driver, I felt compelled to exercise extreme caution while operating the rental truck, which resulted in unnecessary delays and anxiety throughout my trip. To address these concerns, I promptly reported the brake issues to your company 's customer service department on XX/XX/XXXX. However, despite acknowledging the matter, there was no immediate resolution or replacement of the vehicle offered. I continued to use the truck cautiously while raising my concerns repeatedly throughout the rental period. I informed the person in charge at the drop-off location, and they confirmed the issue and sent the receipt with {$0.00} charges. I need you to credit my credit card as requested before. As a result, I attempted to resolve this matter directly with XXXX to seek a refund or resolution. Despite my best efforts, XXXX proved uncooperative and failed to address my concerns appropriately. Consequently, on XX/XX/XXXX, I contacted Chase 's customer service department to report the situation and initiate a dispute for the charges related to the XXXX transaction. I provided all necessary documentation, including XXXX invoice. To my surprise and dismay, I received a response from Chase indicating that my dispute was denied due to the use of the service. This decision contradicts the clear evidence and documentation I provided, and it has left me in an unjust position of being held responsible for charges related to a service that I did not receive as expected. Furthermore, despite my attempts to communicate with Chase 's customer service representatives, I have been met with a lack of assistance and understanding. The resolution of this matter has been needlessly prolonged, and I have yet to receive the refund that is rightfully owed to me under the Fair Credit Billing Act and other applicable consumer protection laws. I am writing to request the intervention of the Federal Trade Commission to address this issue promptly and ensure that I am treated fairly as a consumer. I kindly request that the FTC investigate the handling of my dispute by Chase Freedom and assist in securing a full refund of the charges related to the XXXX transaction, as well as any associated fees and interest that may have accrued due to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. Thank you for your time and assistance in this regard. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During the subprime mortgage crisis, my mortgage was packaged and sold to JPMorgan Chase. When the federal government forced banks to offer borrowers the opportunity to refinance their variable-interest loans to fixed-rate loans, I submitted my application and supporting documents three times. Each time, Chase 's processing center denied receiving my package. When I sent the package using XXXX with a signature and delivery confirmation, I was told that for security reasons, the processing center does not directly accept packages. When I told them that a representative of theirs had signed the application and documents, I was told that it was not an employee of the bank, but a contractor hired to collect mail from the address provided. The entire process was a sham. In the end, Chase never acknowledged receiving my application and supporting documents. Adding insult to injury, a member of my staff who also had a Chase Bank mortgage was sent a letter informing her and her husband that they qualified for a reduced fixed rate due to their on-time payment record over the past three years. I found this to be both suspicious and insulting because my wife and I had paid our mortgage on time for over six years, never missing a payment, and with an XXXX credit score. Looking back on the entire experience, I now know that my wife and I were victims of predatory lending. We should never have been pursued to take a variable-rate mortgage when we both earned over {$180000.00} as a couple and I was eligible for a VA loan XXXX a XXXX XXXX and our home mortgage was under {$210000.00}, when at the time we qualified for a XXXX mortgage. The entire variable-rate mortgage debacle was aimed at XXXX XXXX and other XXXX XXXX XXXX. The dramatic XXXX bias of subprime lending has been proven over and over again. However, I feel that the federal bodies governing these entities did very little to address the concern and are doing less not to prevent them from happening again.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: JPMCB-XXXX XXXXXXXX, XXXX should be removed, deleted and update to current with 3 major credit bureaus
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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: On XXXX XXXX I lost my phone with all my personal information in it. Then on XX/XX/2023 there was a fraudulent charge of {$470.00} on my credit card. As soon as I noticed the charge on my account I called Chase customer service which was on XX/XX/2023. When I called they were able to cancel my credit card and send me a new one. They also told me not to worry about the charge that they will take care of it. On XXXX XXXX they sent me a letter saying that they will not take care of the charge and that I would have to pay for it. Even though I never authorized or purchased anything with my credit card they were going to add the charge back to my account. I don't have the money to pay for that charge and I find it completely unethical that they are making me pay for something I never purchased. When I called on XXXX XXXX to reassure them that I never made that purchase and that they probably stole my information through my lost phone they only said they would look into it but told me that more than likely I'm going to have to pay that charge.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a Credit card because it included a {$200.00} gift card from XXXX. I received an email to prove my identity. I uploaded my current DL to the Chase website. Then i received another email asking me to verify the same. I spoke to a customer service agent who transferred me to the Fraud help desk and i was asked to go to the Chase Branch in Billings, MT with two forms of ID and have them verify. I took my US Passport and my Current DL. THESE WERE VERIFIED BY THE CHASE BRANCH OFFICER who faxed or emailed a copy of each to the credit card division. I have not received another email and letter asking me again send the same information once again. REFERENCE NUMBER : XXXX I believe this is harassment and putting obstacles in my way so that CHASE can deny my application. I have a credit score of XXXX, with a XXXX XXXX XXXX job that pays a six figure salary, so there is no reason to deny my application.
Company Response:
State: MT
Zip: 591XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX 2013 shoud be removed, deleted and updated
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 morning I tried using my everyday card to get some breakfast and my card didn't go thru. I contacted Chase and was informed my account was districted and close due to suspicious fraud activity. That i will received a cashiers check in 10 business days. I was upset because I was never informed of this and all my money that I have to my name was in this account. They wouldn't provide a reason on why they closed my account or what was suspicious about the account. I was giving no warning till the morning of this incident.
Company Response:
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A