Date Received: 2023-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I originally sent XXXX dispute letters on XX/XX/2023 challenging XXXX credit card charge off items that are on my credit report by certified mail to JPMCB CARD SERVICES/Chase. They responded with XXXX response letters dated XX/XX/2023 that falsely stated that they did not have enough information from me to start an investigation into the items I disputed or to verify the items, this letter from Chase said they needed a copy of my credit report showing the items I am disputing, my social security number, my complete account number, and documents that support my dispute. This is a false statement from Chase because my 3 initial dispute letters I sent to Chase had enough information to conduct an investigation into the items I am disputing. My 3 initial dispute letters I sent to Chase had my Name, Address, account number as listed in my most recent credit report for the items disputed, the debt amount I am disputing, and the last 4 of my social security number. That is more than enough information to start the investigation and verification process and Chase still did not at that time and falsely stated that they could not start the investigation when they could. After this, I received 2 letters from Chase dated on XX/XX/2023 and XX/XX/2023 that try to verify XXXX disputed items contradicting the previous letter Chase sent that said they did not have enough information to start the investigation and verification process. The wording in the front page of the letter doesn't even refer to this as an official verification of the disputed items, it says they are enclosing a copy of my billing statements as requested. The amount in the billing statements of these XXXX verification letters from chase do not match the debt amount I am disputing in my initial dispute letters. After receiving these improper verification letters from Chase, I also received 2 more letters from Chase dated on XX/XX/2023 that try to start debt collection activities even though they still did not properly verify the 3 debt items from Chase on my credit report that I disputed on XX/XX/2023. Chase has violated debt collection and consumer rights laws throughout this whole situation. The Fair Debt Collection Practices Act law says that once a debt is disputed by the consumer, debt collection activities can not continue until the debt is properly verified by the creditor or debt collector. Chase did not properly verify any of the three of the debts that I disputed and still continued collection activities. The most recent collection letter they sent is dated XX/XX/2023 and their most recent improper verification letters are dated XX/XX/2023 and XX/XX/2023, so the collection letters from Chase were dated XXXX days before the improper verification letters that chase sent when they should be dated after they send a proper verification which Chase did not. Chase did not comply so far with the 30 day time limit that was listed in my initial dispute letter to respond with proper verification of the 3 debt items from Chase that I am disputing. I am requesting these 3 charge offs from Chase that I disputed to be deleted from my credit report immediately. If these 3 charge offs from Chase are not immediately deleted from my credit report, I will launch a small claims lawsuit against Chase. At my local venue, I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I attached all the documents sent and received throughout this whole situation so far to this complaint
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
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: After several correspondence with Chase Executive Representatives trying to solve this issue with a scam with suitcases I ordered and never received. Chase Bank failed to solve this issue but blamed the Postal Service for stealing my luggage it was the United States Postal Inspection service that solved this scammed in order for me to get my money back. Chase Claims and Executives did not investigated but deducted the monies from, my account stating the merchant who scammed me stated I received the items. I submitted the proof to the Chase claims unit with difficuilty and received my monies back on XX/XX/2023 I received a letter on XX/XX/2023 from the executive office why they declined to refund me monies to me I already received on XXXX XXXX. Until I received these letters, I assumed my case was closed. But receiving these letters opened an old would I was trying to heal from. Its apparent that your company need a formal investigation into your Executives and claims departments on how they are investigating and communicating and treating the Bank customers who are investing and entrusting your institution with our monies we work hard for,.
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Hello, Adding to previous complaint. Received letter via mail today ( XX/XX/2023 ) stating that someone has applied for credit card using my demographic including my social security number, previously I received a response that was address to someone other that myself.
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I run a small business as a windshield installer and I recently got a new client XXXX XXXX XXXX and everything went well he gave me a check XXXX and I deposit it into my account with chase bank on XX/XX/XXXX the fund were into my accounts. On XX/XX/XXXX I woke up with a negative account and the money was withdrawn from the check. I contacted the company he got aggressive and told me to call the cops that they will not help me. On XX/XX/XXXX I made a police report. On XX/XX/XXXX I went into chase to speak with a representative to see what they could do they said they wouldnt be able to help me. Still waiting to hear back from the Police. They insisted to try to resolve the issue peacefully but I invested about {$350.00} for the windshield itself and plus materials and my work. He couldve called and said he didnt like the work we couldve fixed it but he chose not to and just bounce the check without consulting first or making a complaint.
Company Response:
State: TX
Zip: 78541
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
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: Failure to validate a debt from Chase bank. Failure to fix all inaccuracies on report such as date opened and date of last payment. I have requested validation several times from this company and have not received it. The account has been updated but not verified.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: At the end of XX/XX/2023, I received over 32 letters of " claims '' that were filed, in which I did not request or authorize. During this time, I continued to receive these letters of reversal payments from credit cards, companies I am no longer affiliated with, and other companies I have never heard of, and when I called Chase Bank to address this situation by phone, I was put on hold and waited over 2 hours and no one returned. I then received letters stating that " We have completed our research, and find that these claims were processed correctly, therefore we are going to be withdrawing funds from your account. '' After receiving these letters from beginning to mid XXXX, I went to the company, again Chase Bank and spoke to someone about this issue, and they just closed my account and stated, " We no longer wish to do business with you, you are to repay these funds, and this amount ( of over {$10000.00} ) will be sent to collections. '' I then took it upon myself to call the companies that " authorized '' these reversal payments and after speaking to them, they were left with a lot of confusion and told me, " We do not authorize or perform reversal payments, I am not sure who told you that. '' I have all documentation and names of all my lenders and people I spoke to at Chase Bank, and can provide evidence upon request.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: The purpose of this letter is to complain regarding the practice of J.P. Morgan Chase requiring the postal submission from their online account holders to opt out of Chases arbitration agreement when such requirement is given electronically to account holders or when such opt out submission had been previously given. On XX/XX/XXXX, I, XXXX XXXX attempted to logon to Chases website to manage and to view my credit card transactions. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX Screen Shot for online access ) entitled Accept Disclosures and Agreement. I completed the both acceptance agreements after viewing and reading both of the documents and was given access to my online account information. I noticed on page XXXX of the XXXX XXXX XXXX ( see PDF file Opt out of Arbitration ) text pertaining to my ability to opt out of Chase agreement to arbitrate. I investigated the two website addresses given : chase.com and jpmorgainonline.com profile, to ascertain how to opt out of arbitration. There was nothing written or specified by which I could opt out of arbitration. I decided to telephone Chases Customer Service Department. I telephoned Chases Customer Service at XXXX. I spoke with multiple Customer Service representatives. NOT one of the representatives was able to answer how I could opt out of arbitration. Therefore, I wrote a secure e-mail through Chases website complaining of my attempts to opt out of arbitration ( see PDF file Dens Chase E-mails XX/XX/XXXX & XXXX, XXXX ). My next step was to send my opt out letter through the United States post office ( see Scanned Dens 2nd Arbitration Letter ). I received a written response to my XX/XX/XXXX opt out letter from Chase on XX/XX/XXXX ( see Chase Response to XXXX 2nd Letter ). What is confusing regarding Chases response is whether my first attempt to opt out of arbitration, referenced as XX/XX/XXXX, is sufficient or effective for all future attempts by Chase to have an account holder opt out of arbitration? I would like a ruling or determination if an account holder is required to continually submit opt out of arbitration agreement each time a bank or financial institution submits updates or revisions to their disclosures or agreements? I suggest that documentation regarding opting out of arbitration clearly state that resubmission of letters opting out of arbitration are not required if previously submitted.
Company Response:
State: AL
Zip: 35055
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: On XX/XX/2023, I signed onto Chase website. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX Screen Shot for online access ) entitled Accept Disclosures and Agreement. I did NOT accept the agreements. I decide to telephone Chases Customer Service. On XX/XX/2023 I telephoned Chase Customer Service at XXXX. I spoke with two agents, XXXX and XXXX. XXXX stated that he was an Account Supervisor. I had a lengthy conversation with XXXX regarding how one could opt out of arbitration without sending an opt out letter through the U.S. Post Office. XXXX, an Account Supervisor, stated that I could send the opt out letter through Chase Secure Message Service. I completed another opt out of arbitration letter dated XX/XX/2023 ( see Scanned Graces 2nd Arbitration Letter ). I sent in the opt out letter through Chases Secure Message Service as directed by XXXX. I received two e-mails from Chase regarding the my opt out letter ( see Graces Chase E-mails XX/XX/2023 and Graces Chase E-mails XX/XX/2023 ). So, in spite of receiving my opt out of arbitration letter, Chase is refusing to accept my written response even though Chase initiated the requirement to accept their disclosures and agreements electronically and so directed by XXXX, the Account Supervisor. Chase will accept facsimile and secure message communications regarding accounts but WILL NOT accept an account holders request to opt out of arbitration. There is ONLY one reason why a business forces individuals to opt out of arbitration the business is hoping that individuals will tire of the effort to do so. Thus, the business will avoid possible higher financial penalties to illegal actions against individuals caused or perpetrated by the business. Chase has had previous class action suits against it. On XX/XX/2023 I mailed my second opt out of arbitration letter to Chase. I recommend that Chase be required to accept the opt out of arbitration in the same manner by which the company/business informed the individual. Thus, Chase MUST give the account holder an electronic option for opting out of arbitration similar to the online options that it gives individuals to receive or not receive their statements or notices via U.S. mail or electronically. Please respond to my complaints.
Company Response:
State: AL
Zip: 35055
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was an authorized user on the JP Morgan case account I was removed from that account XXXX months ago however its still recording on my credit and its affecting my livelihood
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
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 purchased a XXXX XXXX bag ( XXXX ) from XXXX XXXX with my chase credit card for {$1000.00}, on XX/XX/2023 and received on XX/XX/2023, but later found out the bag is counterfeit ( verified by Real Authentication ). Because the merchant refused to refund me and accept the return, I filed a dispute with chase, and submitted all the evidence they required, I am honest and is sure my evidence is sufficient, but they keep denying my dispute. They denied my dispute again on XX/XX/XXXX, stating no billing error found. I have asked Chase to reopen the case. I think it is so unacceptable, the credit card is meant for protection the consumer not the fraudulent merchant.
Company Response:
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A