Date Received: 2023-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In my JPM Chase branch I reported fraudulent activity on my Slate card ending in XXXX. They contacted Chase Fraud and closed the card. I then opened a new card. I paid the final bill in XXXX, XXXX. Apparently, despite the fact that the account was closed, JPMC continued to accept charges through XXXX. The card was closed and I had no visibility to it. In XX/XX/XXXX I was notified by the credit bureaus that my JPMC account was delinquent and that my credit rating was lowered as a result. JPMC did not contact me in any way to notify me that a payment was delinquent. On XX/XX/XXXX I went back to the branch ( see handwritten notes on the detail PDF ). The Private Banker verified that the account had been closed in XXXX and called JPMC Credit Card Services. They said they don't handle this and said to contact JPMC Security who said they don't handle this and said to contact Customer Claims and Disputes. They said Credit Card Services needed to handle it. Credit Card Services said that Security needed to handle it. The banker and I were both totally frustrated. I paid the remaining balance {$100.00} ) prior to leaving the branch. I wrote to XXXX ( attached ) but the issue remains unresolved to my satisfaction.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX and i am an international student, I deposited a check in chase bank for my XXXX fee for my XXXX and the bank has kept my funds on hold as they are not able to verify the check maker from their end but the check maker has called them numerous times and notified that he didnt any call for verification and thus resulting me to face the issue as my funds are not released even after the verification from check maker.
Company Response:
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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: As a customer, I respectfully disagree with the response provided by JPMC regarding the late payment reporting on my credit card account ending in XXXX. While I appreciate their response and willingness to assist, I believe there are valid reasons why the late payments should be removed from my credit history. Firstly, I have spoken with the credit reporting agencies, and they have acknowledged that late payments related to COVID-19 hardships should not negatively impact my credit history. The COVID-19 pandemic has caused financial difficulties for many individuals, and the government and financial institutions have recognized this by implementing various relief measures. It is essential for JPMC, as a responsible lender, to take into account the exceptional circumstances brought on by the pandemic when reporting late payments. Secondly, the Fair Credit Reporting Act ( FCRA ) emphasizes accuracy and fairness in credit reporting. While the Cardmember Agreement may state that JPMC can provide information to credit reporting agencies, it is equally crucial for them to ensure that the information furnished is accurate and up-to-date. If there were extenuating circumstances, such as those caused by the pandemic, that led to the late payments, it is only fair that these be considered when reporting to credit bureaus. Moreover, Regulation P ( Privacy of Consumer Financial Information ) does not supersede the FCRA 's requirements for accurate credit reporting. Both regulations should be interpreted and applied in a manner that upholds consumers ' rights and protects their financial well-being. Reporting late payments caused by circumstances beyond the consumer 's control, such as COVID-19, is not in line with the spirit of fairness and accuracy promoted by these regulations. I understand that JPMC has received a dispute from the credit reporting agencies regarding my account. However, it is my right as a consumer to communicate directly with JPMC regarding my credit reporting concerns. Ignoring direct correspondence from customers can hinder open communication and resolution of disputes. In light of the above arguments, I kindly request that JPMC reevaluates its decision and removes the late payments from my credit history. I believe this is not only fair but also in accordance with the FCRA and the guidelines set forth during the pandemic to protect consumers from undue harm to their creditworthiness. I look forward to a positive resolution on this matter and request that a response be provided directly to me to ensure effective communication and transparency in this process. Thank you for your attention to this matter, and I hope we can reach an agreeable solution promptly. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/, around XXXX XXXX there were to wire transfers that were made from my checking account that I did not authorize. Someone had gotten my online banking information and wire XXXX and XXXX dollars to two different banks in two completely different states. Once this first wire was seen on my account, we began to contact chase to freeze the account and start a claim to get the money back. A few days into their investigation on XX/XX/XXXX we received a letter stating that it was determined I had somehow benefitted from these wires or I authorized them which I did not. We are currently still fighting these claims to get the money back and have filed a police report on this manner. The case number for this police report is XXXX with XXXX XXXX badge number XXXX.
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I learned that my Chase credit card had been denied. I called customer service and they told me that they couldn't tell me anything over the phone. I went to a Chase branch to speak to a banker in person. I learned that Chase had decided to throw me out as a customer for all of my accounts. They could not tell me why and there was no appeal and I was barred from doing any business with Chase for life. I was told that my checking account would be closed within a week or two. I moved all of my cash from savings and brokerage accounts into my checking account that evening. On XX/XX/2023, I created an account with XXXX XXXX and wrote a personal check to close out my checking account. On XX/XX/2023, I received a phone call from XXXX XXXX ( while at work ) notifying me that my check was denied by Chase. On the morning of XX/XX/2023, I went to my local Chase branch and learned that in spite of what I had been told in person on XX/XX/XXXX, Chase had in fact closed my checking account on XX/XX/XXXX. The local branch manager was able to override the closure in order to issue me a cashier 's check to close out my account. I then immediately deposited that cashier 's check into my XXXX XXXX account and this time it cleared. However, XXXX ended up charging me a {$12.00} fee for a returned check. I searched the internet and they listed activities that may lead to a bank removing someone as a customer, but I had done none of the things listed. It turns out that the XXXX XXXX XXXX did an article about this detailing banks removing hundreds of thousands of customers. See : XXXX XXXX XXXX Although the article used the term " banks '', the only example given in this article was a Chase customer. To be fair to Chase, they claimed that they had sent me a warning letter on XX/XX/XXXX. I never received it and since my local post office sends me email each morning with a list of mail to be delivered that day, I checked and up to XX/XX/XXXX there was no mail from Chase that made it to my local post office that was addressed to me.
Company Response:
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I got a text from an unknown number saying that it was my work, they sent me a check and told me to cash it and I did as soon as I realized it wasnt from my work I sent them the money back and thought that was the end of it They hacked my account and stole. {$2000.00} my bank said theyll give me the XXXX that they stole but not the XXXX that was originally sent back because I didnt clear.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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 never received the fiscal car, it was used from XX/XX/2023 to XX/XX/2023 in fl ny ca XXXX XXXX I didn't visit I was working in nj XXXX days a week XXXX hours and I got proof that from my employer, after contacting chase JPMorgan they said I have to pay those {$1600.00}
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The bank I use is Chase, I had deposited some money into the account not long before this happen. I had several online purchase done by a person spending money in New York. XXXX individual purchases, close to a {$1000.00}. dollars. I will look for the dates on these. but in XXXX. Then another transaction accured at the same bank branch I usually go to and withdrew {$2500.00} cash. XX/XX/2023 Using my name and pin on a debit card and a license that he created with my name on it.
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Home received extensive storm damage resulting in a $ XXXX insurance claim. Received $ XXXX check from insurance company and brought it to my local chase branch on XX/XX/23. I contact chase several times to see where the money is as repairs have begun ( I had holes in my roof ) and receive no satisfactory response so I am forced to begin to pay for repairs to my home, that insurance has already sent payment for, that I can not access. I pay over $ 100k of my own funds to cover these repairs. On XXXX XXXX, 12 days after submission I receive $ XXXX. I then request an inspection to obtain the next portion of funds since repairs are 50 % complete and 70 % of the ( my own funds covering ) money has been spent. Here 's how that first inspection went. I request an inspection on XX/XX/XXXX, the soonest I am able to request. On XX/XX/XXXX I'm given inspection availability options. I pick the first one available on XX/XX/XXXX. I call daily after the XX/XX/XXXX inspection to get results. Nothing appears until XX/XX/XXXX when I am finally informed I failed the inspection. The inspector walked past $ XXXX in materials and a dozen people installing another $ XXXX on the roof. But because a single interior room that would cost {$500.00} in paint and drywall to fix was not fixed, I failed the inspection. Obviously the roof needs to be repaired prior to cosmetic fixes. It is now XX/XX/XXXX. Nearly 30 days after handing $ XXXX to chase that they are unreasonably denying access to. They have been contacted daily. I am no longer receiving responses from chase and I am not being allowed access to my insurance settlement despite having paid for much of the repair out of my own funds. I note chase has outsourced this function. Chase still has the duty to monitor the process. If I had not had my own funds obviously structural damage would have occurred due to their unreasonably withholding funds, which runs contrary to their supposed " interest '' int he property.
Company Response:
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Chase bank had a XXXX glitch on XX/XX/23. It occurred during the day during normal business hours and for most of the business day. It caused all of my bill payments to deduct twice including my mortgage payment. My understanding is that this is the second time in 2 months for this type of bank error with Chase. I was instructed to wait it out by Chase and check back later. I kept checking my accounts and slowly I saw that my external payments were corrected. My internal payment to Chase home mortgage was not corrected and posted causing an overdraft. I made a claim with both Chase banking and Chase Home lending as I was instructed. I have been told that it could be days before the error is fixed. I am writing this complaint because the timeline is unacceptable for correction. I can withstand this situation as I have money in other accounts. I worry about people with more limited means. Chase banks error needs to be fixed by Chase immediately. I can not imagine what a person with limited means is supposed to do with a wiped out bank account from a bank error. Waiting days for their own money? Chase should be fined. Can my representative or senator from the state XXXX XXXX be notified of this type of consumer banking problem?
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A