Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XX/XX/XXXX, JPMorgan Chase Bank National Association ( " Chase '' ) by and through counsel, commenced foreclosure proceedings against me in the Superior Court of New Jersey under Docket No. F-25014-16 ( " State Foreclosure Action '' ), by claiming ownership and possession of a XXXX refinance mortgage loan that I never requested and I never signed ; for which agents of Ideal Mortgage Bankers dba XXXX XXXX stole my identity to create ; the debt associated with the forged XXXX transaction was already XXXX by bankruptcy order issued on XX/XX/XXXX by the U.S. Bankruptcy Court for the District of New Jersey in case under Case No. 15-18718-MBK, at which time, no mortgage was recorded for the forged XXXX transaction ; and no mortgage was recorded when Chase commenced foreclosure proceedings in XXXX. In XXXX, Chase caused the XXXX XXXX XXXX XXXX XXXX to record an affidavit allegedly made in XXXX by a purported officer of XXXX XXXX, stating that the original security instrument for the forged XXXX transaction was lost or destroyed ; and attaching a purported true copy which displays the unlawful forging of my name upon an instrument that I never requested, I never signed, and I never received any benefit therefrom. In XX/XX/XXXX, Chase - by and through its purported agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and its counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), procured an order of final judgment in the State Foreclosure Action, and have my home listed for Sheriff 's Sale on XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX, I forwarded Chase monthly installments of principal and interest that Chase demanded were due and owing towards what I believed was the only mortgage loan that I signed, which was the original purchase transaction in XX/XX/XXXX with XXXX XXXX being named my lender. I did not discover until XX/XX/XXXX that my original mortgage was discharged of record in early XXXX because agents of XXXX XXXX stole my identity to create the forged XXXX transaction, without ever recording the forged security instrument for the bogus refinance that I never requested ; I never signed ; and I never benefited from the transaction. Furthermore, I have never received credit with the credit bureaus for any of the payments of principal and interest that I forwarded to Chase from XX/XX/XXXX through XX/XX/XXXX. To all of the foregoing issues above, my home is being stolen for I refuse to pay Chase and/or its agent XXXX, a judgment amount of {$240000.00} ( approximately ) towards a forged XXXX refinance that I never requested ; I never signed ; I received no benefit from ; the debt was for the forged XXXX transaction was discharged in XXXX, when no security instrument was recorded and no security instrument is recorded to present date, only an affidavit of lost or destroyed mortgage, with a forged copy attached thereto. I have also attached for review ; ( XXXX ) a handwriting expert report from XXXX, stating that someone forged my name on the documents associated with the forged XXXX transaction ; and ( XXXX ) federal criminal indictments and orders against key executives of XXXX XXXX, related to bank fraud and other offenses.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Dear Consumer FInancial Protection Bureau, I hope this letter finds you well. I am writing to lodge a formal complaint regarding an unresolved payment issue I am experiencing with Chase Bank. XX/XX/2023, I decided to switch banking institutions, from XXXX to Chase. Before the transfer, I made a final payment of {$2000.00} to my Chase Credit Card account. XXXX informed me that they were unable to close my account until the {$2000.00} payment was posted to Chase. XX/XX/2023, I initiated a transfer of {$2000.00} from my XXXX checking account to my Chase credit card account. Chase received and posted the transfer on the same day, as confirmed via my Chase Online account. XXXX, received the alert that my {$2000.00} was posted to my Chase account, proceeded to close my account. Later that same day, after my XXXX account was closed and the payment posted by Chase, Chase attempted to verify the funds. However, they were unable to do so and declined the {$2000.00} payment, citing insufficient funds. Chase made a second attempt to process the payment on XX/XX/2023, but it was again returned, this time due to the closure of my XXXX account. The payment was sent back to XXXX, but since my account there was already closed, XXXX was unable to reimburse me the {$2000.00} to Chase. I received a letter from Chase on XX/XX/2023, stating that they declined the {$2000.00} payment from XXXX and had blocked my XXXX account from sending any further payments to my Chase account. Chase claimed they do not have any information or records pertaining to the {$2000.00} transfer and do not have the returned funds. XXXX has confirmed the receipt of the returned funds from Chase, but XXXX could apply the credit the {$2000.00} due to my account closure nor issue a check, which leaves the {$2000.00} in limbo. In my attempt to rectify this issue, I have made numerous calls and spoken to several Chase account supervisors. XXXX provided a Transaction ID ( XXXX ), which I forwarded to Chase. However, Chase account mangers claimed they could not track or act upon this ID and requested further information such as bank statements. XX/XX/2023, XXXX XXXX, I coordinated a conference call involving both XXXX and Chase account managers, XXXX, XXXX account manager and XXXX, Chase account supervisor. During this call, we reached a resolution. XXXX agreed that Chase has processes in place, that are not recognized to other financial institutions. XXXX confirmed that he would credit the {$2000.00} back to my Chase credit card account and waive interest charges. He asked to send proof of payment a checking account statement showing that the {$2000.00} payment was made. Chase would conduct a missing payment investigation and reclaim the money. The documentation was provided via Chase secure messages, and they would contact me if Chase needed anything else. Chase applied my {$2000.00} payment to my credit card account. I thought he issue was resolved ; however, I received a letter from on XX/XX/2023, stating that the {$2000.00} payment was credited to my account in error on XX/XX/2023, and that the credit had been reversed. No further updates or calls were given to me regarding the payment investigation. XX/XX/2023, XXXXXXXX XXXX, I contacted Chase. While the account supervisor was initially helpful, their demeanor changed, becoming rather curt when I asked about the next steps. I was left in the dark, without any information about how to proceed to recover my {$2000.00}. Thank you, XXXX XXXX
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX I deposited a cashiers check at Chase Bank for XXXX. On XX/XX/XXXX I called to see if it cleared and the hold could be lifted. Was told no, because the maker of the check had bounced checks recently. I asked if I should call XXXX XXXX XXXX XXXX to make sure funds were good since I released my boat and all legal paperwork to the buyer when I received a cashiers check. Was told there was no need to contact them because it was just a Chase Bank hold. On XX/XX/XXXX I learn that a stop payment had been placed and the cashiers check was returned. I've been unable to reach the buyer, I can't talk to anyone at XXXX XXXX XXXX XXXX when I call their customer service number. The only reason I released my boat is because I received a cashiers check via XXXX and my bank Chase accepted the deposit I made in the branch. The fact that Chase told me not to call XXXX XXXX XXXX XXXX caused me to lose 3 days that I might have been able to find the buyer. Now, I'm stuck with no boat and no money for my boat. Chase and/or XXXX XXXX XXXX XXXX need to honor their cashiers check. It's supposed to be the same as cash. How can Chase allow a stop payment?
Company Response:
State: AZ
Zip: 86406
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
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: I noticed a discrepancy with my credit card transaction with XXXX. I was charged higher than what was shown while booking the ride. I called Chase asking them to partially dispute the charge for the extra amount. But, Chase customer service refused to raise a dispute and informed that they cant do anything at the moment. This is very disturbing and a violation of card member agreement.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX we made a payment in the amount of XXXX USD from our XXXX account to the account of XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX we received information from XXXX that our payment of XXXX USD ( XXXX ) dated XXXX XXXX XXXX was sent via a correspondent bank of JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXJP Morgan Chase Bank was the intermediary bank in this chain. XXXX XXXX was included in the list in accordance with XXXX XXXX. XXXX. In this regard, my payment must be blocked by an intermediary bank in accordance with US sanctions legislation. To unblock a payment, I need to apply for a special license from OFAC. However, JP Morgan Chase Bank has not yet blocked the payment or informed the initiator bank about the freezing measures. We applied to OFAC, the case was assigned the number XXXX and it has the status Case ID XXXX has a status of PENDING. XX/XX/2022, we received a letter from XXXX XXXX, Analyst at the Office of Foreign Assets Control U.S. Department of the Treasury, requesting additional information on the transfer XX/XX/2022 all required information and documents were sent to email - XXXX At the moment, the status of our case has not changed, since OFAC can not find records of the blocked payment, accordingly, we can not obtain from OFAC the license necessary to unlock our funds. XXXX We tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX with a request to clarify whether the payment was blocked and transferred to OFAC and when. JP Morgan Chase Bank did not respond to our request.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX, I made a payment in the amount of XXXX XXXX from my XXXX account to the account of XXXX XXXX XXXX XXXX opened in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX . JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with Presidential Decree No. XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data and, in particular, the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. On XX/XX/2022, we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. Thus, I can not apply to OFAC for the license required to unlock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
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: I contacted my credit card company about a dispute of a charge. I didnt receive the services. I clearly told them what happened. But the credit card company rep were in XXXX and could not properly speak XXXX. I explained my issue so many times to them. Even after he said he understood I dont think he did. I told him I did not receive the service I paid the company. The merchant lied to them and didnt even get back to me. The rep from chase said he would get back to me and he never did. They just closed out the dispute. I told him I was away on vacation. The rep said dont worry I will call you back. The merchant clearly didnt provide the services. This is why these disputes should be handled by XXXX and not someone overseas who cant properly speak XXXX.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have an auto debt that is about {$25000.00} with JP MORGAN CHASE BANK and I have been in an ongoing dispute about the Promissory note accepted by them and the fact that the terms and conditions of that contract are Unconscionable and are False and Misleading. I have the right to request Adequate Assurance of Due Performance of a contract between XXXX parties as I have grounds to believe that the counterparty has not performed their part of the contract. The Financial Institution named JP MORGAN CHASE BANK has claimed that this installment 'contract ' is legally binding as i " owe '' them the amount owed above as if they loaned the money to me to obtain security interest in the vehicle ( pursuant to Title 12 U.S.C . 1431 it says otherwise ). During my Administrative Procedural Process to make a good faith attempt to settle the matter and clear up any confusion about the terms of the loan agreement regarding GAAP ( Generally Accepted Accounting Principles ), Instead I was ignored and constantly urged to keep making my normal monthly payments as they told me that Validation of the Debt was 'Valid ''. However, since my initial consumer credit transaction with such financial institution I've also become aware of certain violations committed by this company under the FDCPA as well. They were issued a Cease and Desist on XX/XX/2023 and were prohibited from contacting me, through the mail, by telephone, in person, at my home, or at my work, contacting my employer, my bank, or any other third party, filing any notice of lien, default of any existing lien and/or levy and were also barred from reporting any derogatory credit information to any credit reporting agencies, per the Fair Credit Billing Act, regarding this disputed, purported debt. On XX/XX/2023 at XXXX XXXX i was contacted by JP MORGAN CHASE BANK collections department by someone by the name of XXXX who was attempting to collect a debt which was a violation of 15 U.S.C. 805 ( c ). On XX/XX/2023 at XXXX XXXX JP MORGAN CHASE BANK violated XXXX of XXXX safeguards under 15 U.S.C. 6801 for not insuring the security and confidentiality of my customer records and information when they were disclosed to a non-affiliated third party tow truck company who aided and abetted in IDENTITY THEFT of safeguarded records with JP MORGAN CHASE BANK and took and held hostage my private property ( vehicle ) which has caused a substantial harm or inconvenience to me. Lastly, JP MORGAN CHASE BANK violated 15 U.S.C. 6802 as they did not clearly and conspicuously disclose to me that I had the right to OPT OUT of them reporting any non-public personal information to a non affiliated third party which led to said Identity theft occurring otherwise i would have opted out. CFPB please ensure that this properly is issued to the proper party, action is taken which are in your parameters to enforce upon banks, lenders, and other financial companies for such Violations, and please read all documents submitted THOROUGHLY. The companies attempting to collect a debt in this matter : JP MORGAN CHASE BANK, ( Alleged Lender ) XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, Incorporated ( Non- Affiliated Third Party ( XXXX XXXX ) ) ATTN : Customer Service XXXX XXXX XXXX XXXX XXXX Arizona XXXX
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I chose Chase Sapphire due to its trip protection policy. When I filed a claim on XX/XX/23 for our flight cancellation and subsequent cancellation of the hotel and XXXX prepaid reservations, I was held up with constant requests from the credit card contractor for claims at XXXX. I have had over XXXX correspondences and numerous uploads of documents. Many of these requests for more information were due to the fact that they received encrypted files they could not read and I had to resend them from another source. It is XX/XX/23 and it has been XXXX months and I am just constantly sent to another department.
Company Response:
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A