Date Received: 2023-07-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Talked to their fraud department they froze acct. I also froze all credit bureaus. But wanted to make u aware that someone has my info and is XXXX using it. One was in XXXX PA and one was in XXXX on XXXX XXXX. And now this one.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The JPMorgan chase & Co is not following the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate. As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax Return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account JPMCP CARD, ACCOUNT # XXXX as a debt is inaccurate. 15 USC 1681 s-2 Says you JPMorgan chase & Co are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. so they should delete account JPMCP CARD, ACCOUNT # XXXX FROM MY XXXX, XXXX, XXXX and to consumer reporting agencies. this is the tracking number # XXXX and attached file to show proof of violation
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Good afternoon, following my 2 former complaints in the last 3 months, I still have the same issue from Chase since the beginning : despite having XXXX $ on my account, Chase keeps charging me monthly fees today ( statements attached ). So I am still need the help of CFPB to fix it please. Thank you. Regards. XXXX XXXX Historical Reminder : Good afternoon, in XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to XXXX different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). So I would like to have your help again please to fix the same error. Regards XXXX XXXX ''
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Started off with simple application for Rapid Rewards SouthWest Chase Credit Card. All information inputted was verified correct before submitting online. A few weeks later, I received the credit card with my name spelled wrong on the card with an extra XXXX added to my middle initial spelled XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I immediately notified Chase customer service on line. They said the only way I could change it was to fill out a form and send copies of my social security card, and a government issue ID of myself. I was not very happy that I had to do that since I didn't make the mistake but I agreed to do it and waited for the forms they sent and sent back the copies of my social security card and my driver 's license. While I waited for this to be resolved, I wanted to see my account on line. I tried but couldn't pull up my account on line so I called customer service and found out that they even inputted my social security number wrong during my appication process. They funny thing about this is that they were able to verify my credit report with the correct social security number but inputted the wrong number for my credit card application. In any case after a few weeks about 3 or 4 weeks later, I received a new credit card with the correct spelling of my name with a new credit card number. No problems using my card for about 4 weeks until I get another letter asking me for my social security card and government ID again saying if they don't get it in 2 weeks, that they will close my account. They also spelt my name wrong again with the extra XXXX in my middle initial. I thought, this must be some kind of mistake or one office at Chase didn't talk to another but when I called customer service, they advised me to comply or the account would be closed. I asked for a supervisor and got one and she said the same thing. I said I want to know what they did with all my personal privacy information I sent previously and she just said she didn't know but if I didn't comply they would close the account. I was so flustered and didn't know what to do so I just decided to faxe all the info they requested with a cover letter asking them to call me back the verify that they received all acceptable either by cell or phone. I did not get any response. I assumed all the faxed documements were okay. Since I didn't get a response for over a week, I called customer service to find out status. An agent I talked to told me that they did receive the fax and all was okay except they could not make out the address on my licence so they would need me to send that via through something called XXXX XXXX XXXX ... " something '' I can't remember the term but he said I would get it sent to me by another agent on line. So I waited... It never came. Today, I got a USPS mail saying my account was closed because I didn't comply to their requests. First thing I want to clear up is I've bent over backwards complying to their requests. Secondly, I want to file a complaint to know how they mishandled my privacy information the first time and did not hold those how mishandled it accountable. Where did the information go? Where is it now? What's going to happen to all the information I'm sending now and how much more privacy information is being handled in this manner? They don't seem to care that they received it once and can't find it now. Why is it they don't care?
Company Response:
State: HI
Zip: 96707
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 lost two credit cards from Chase Bank, and they told me that it was my responsibility, but I did not make the transactions. I found out they were lost when I looked at my bank statement at the end of XXXX. They said that it was over 90 days, but I reported it for XXXX only. Either they made a mistake, or the representative that I spoke to over the phone made a mistake. These are for my accounts with card numbers XXXX ( currently XXXX ) and XXXX ( currently XXXX ). I lost both my cards around XXXX, it seems, and I might have dropped them, they fell out of my pocket, or someone pickpocketed me since I usually store some cards in my back pocket. I also believe the representative handling my case reported inappropriately since the Chase Freedom ending in XXXX was reported as fraud dating back into XX/XX/XXXX instead of all of XXXX XXXX XXXX, and I reported it stolen in the middle of XXXX when I got my statement in the Mail for the closing date of XX/XX/XXXX ( I got it around XX/XX/XXXX, in the mail ). Chase Freedom ending in XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted my refund for all the transactions listed since I did not make those authorized charges. Every transaction should be refunded to me. I tried talking to Chase, and I submitted a reopen with the bank, but I wanted to reach out to you in case they didn't resolve my issue. I heard that this is common with Chase Bank, so I was advised to file a complaint with you. I don't have any documents with me since I can not access them, but I do have bank statements, if that helps.
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Applied for Chase Amazon Prime signature visa card around XX/XX/2023 was promised {$200.00} signup bonus which was not issued. called chase on XX/XX/XXXX and was told to call XXXX, who in turn told me to call Chase, have contacted them multiple times but still no response
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Check # XXXX Amount : {$23000.00} Post Date : XX/XX/2023 I deposit a check to my Chase account, the check is payable to me, or neither is my business. This check was already cleared and all the funds are already available and posted to my account for more than a week, but Chase Bank restricted my account and hold my funds, currently, all funds are not available for withdrawal. Chase Bank requires documents for proof of the relationship of my business, I've have brings the documents that they required with me to the branch in person, and had the branch manager fax or send them to the Chase back office, they told me that " this process might take up to 48 hours for them to complete the review, after couple days I've sent the document that they require and calling back trying to get updates on my accounts, After a weeks later, Chase told me that they still haven't received any documents that I send, so that I did brings the documents with me and went to few other chase branch have the agent make sure that Chase did receive it, Anyway today I've been calling chase so many times and ask if they can help me removed the restriction for me, since all the required documents already sent. Finally, after I provide a branch manager 's business card to the back office the branch manager responds to me that, She did see it on Chase systems regarding the documents that I've sent, such as '' The EIN form from the IRS, Copies of Corporation or Business Entity Documents from the XXXX Department of the State PS : REMEMBER THIS CHECK IS PAYS TO ME neither the business Finally, they responds that they did receive it but this time, they ask for me to call back within 2-4 hours for them to final review it, I asked : Will they able to have the restriction removed once they completed the review, They responds to me : Yes ..... Lastly, I called back to see if they have helped me resolve my issue, but here 's what happens '' This time, the manager told me that : He did receive my Corporation or Business Entity Documents, So since my name does not appear on the website on the filing receipt issued by the State Department entity, they can not remove this restriction unless I update my name on the website. I did contact the accounting office who helped me file the business entity and they said it was not a hassle to list the owner name on the website and the process could take up to several months for updates. Chase now have close the account without any notify me. I'm very disappointed with what Chase is doing so far, the manager even told me that he didn't even look at the document and that extra steps need to be taken now to remove the restrictions, They need to check with the issuer of the check, ( I did give them the issuer 's phone number at first, but the agent told me it wasn't found on the Chase system, and " this is the only phone number '' since they registered the business since the business is listed ) Now, this time he did take the number and they told me " no one answered '', I was just talking to the issuer, Weird rage at how they responded to me, always got a different response every time I called, the Chase agent didn't help me with this, just asked for more and more documents, Me, the client opened the account, but so far I find it odd that they are being treated unfairly, that the bank is restricting the client 's account without giving them enough notice, and asking for too much verification, even though the client has Sent the information they asked for, but they are still holding the account, no funds can be withdrawn, the way they speak to me is very rude, waste my time, even violate customer privacy policy, no explanation, right to transparency, fairness and honesty right to trade, applicability, privacy Banks are obliged to keep personal information of customers confidential unless disclosure is required by law or with customer consent. The charter states : " Customers have the right to be protected against communications of all kinds that infringe their privacy. '' Banks can not pass your details on to telemarketing firms or cross-sell. " There have been cases where bank officials asked customers to arrange investment routes based on transaction details... I feel that the bank is unfair to me at this time and violated the rights of customers.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
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 theater tickets from a look alike website. When I called the theater to ask about the performance I was told that I had no tickets purchased. I immediately called Chase to report a fraud claim. After they reviewed my claim I was told that I didn't follow the website 's return policy so the charge was valid. I requested they reconsider and was told there was no billing error and that the charge was valid. My claim was never about a billing error. I was charged for a product that was never delivered by a fraudulent website. Chase has decided to hand over my money to the fraudsters without even looking at the 'real ' complaint. It seems that they don't take fraud seriously and don't care if it costs their customers. I am no longer a Chase customer.
Company Response:
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received several calls from a number that was impersonating a Chase bank branch. It turned out it was someone who was stealing my information, and added my card to their digital wallet. They 18 different withdrawals of varies amounts, totaling to $ XXXXI called chase immediately to terminate my card, and made a claim over the phone. I have opened a claim with chase, which was denied on XX/XX/XXXX, and closed due to saying that it was " authorized ''. I reopened the claim and sent my proof it was NOT my husband or I making these withdrawals, and it was again denied on XX/XX/XXXX. The withdrawals were made in XXXX, IL, however my husband and I who are the only ones that have access to the account where both on a trip in California at the time, so neither of us would have been able to make these withdrawals from XXXX, IL. I have documentation of the call log, the withdrawals, the fraud alert text message I got, the text asking to add card to new device, and proof we were out of town at the time of the withdrawals. I need assistance getting this fraud claim to be approved and the funds returned to our account as it was not us who authorized this purchase, and that the chase bank was being scammed and impersonated.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This complaint involves both a United Airklines Chase Credit card and the MonthsOfMiles promotion the the Unied Airlines XXXX XXXX XXXX. My compaint is best summarized in an email I sent on XX/XX/2923 which is excerpted below. Because of the possibly deliberately misleading language of the promotion and lack of clear terms and conditions I've wasted considerable time and money by directing the majority of my purchases to this credit card and now find that some of the purchases may not qualify. I've made repeated requests to United to ask why the misleading language was used and to date have not received an answer. The following is my inquirey to United/Chase XXXX Subject : UNITED AIRLINES XXXX XXXX DELIBERATELY MISLEADING? Date : XX/XX/2023 XXXX XXXX XXXX To : United XXXX XXXX XXXX The recent promotion of MonthsOfMiles states that for each month of XXXX, XXXX and XXXX " Just make at least 5 purchases while spending {$150.00} or more '' on your Chase United Credit Card to qualify for bonus miles. That language implies or even allows that those 5 purchases need only sum up to {$150.00} or more. Confusing? Yes. If there was no deliberate intent to confuse why wasn't the promotion written clearly as follows : " Just make at least 5 purchases while spending {$150.00} or more on each purchase '' Please, explain why the ambiguous wording was chosen. The attached file shows that even the XXXX XXXX help line was confused by the wording. I wonder how many consumers will discover after the fact that their 5 purchases don't qualify.
Company Response:
State: ID
Zip: 83402
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A