Date Received: 2023-06-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I tried to request a car loan ( XX/XX/2023 ) deferment from Chase Auto Finance and they refuse to defer my monthly payment. My spouse is currently not working. I am having financial hardship and difficulty staying afloat with our monthly bills. Chase, instead recommended that I divide my monthly payment by paying half now and half in 2 weeks. This does not solve our current situation.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX financial sold my mortgage to Chase on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted chase at which time the payment was already late. Chase told me that if I provided them with proof that my bank had sent the payment to XXXX on time and a good faith letter from XXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.
Company Response:
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: JP Morgan Chase Bank is withholding {$150.00} from me. On XXXX XXXX, I used the online Chase account website to wire an application fee to a Hungarian university in XXXX ; the fee is XXXX XXXX, and so my exchange rate plus {$5.00} wire fee came to {$170.00}. XXXX never received the money, and on XXXX XXXX, the wire was reversed ( Chase has in the memo line " No Reason '' ), and the total I received back was only {$120.00}. I did not prompt this reversal ; the XXXX university did not prompt this reversal. Chase therefore owes me {$55.00} for that transaction ( or {$50.00}, since I consented to the {$5.00} fee ). I went to the bank to inquire about why it was reversed, as the university was expecting my payment, and I thought it had gone through. The Chase teller couldn't see any reason it was reversed. I asked her to now send two wires : resend the application fee ( XXXX XXXX ) and now an exam fee ( XXXX XXXX ). She said that she would be happy to, but there are $ XXXX fees for her to provide the wire service. I declined and used the online portal again on XXXX XXXX to send XXXX and XXXX XXXX ( {$160.00} and {$110.00} respectively ). On XXXX XXXX, the second application fee was reversed with the reason " Beneficiary Bank, '' and I received only {$110.00} ; Chase owes me {$50.00} for this, allowing for the {$5.00} transfer fee that I consented to pay. On XXXX XXXX, the exam fee ( XXXX XXXX {$110.00} ) was reversed with the reason " No Reason, '' and I received only {$55.00} ; Chase owes me {$50.00} for this as well, accounting for the {$5.00} fee I consented to pay Chase to send the wire. On XXXX XXXX, I spent XXXX hour and XXXX minutes on the phone with the customer service teams of Chase XXXX Online Banking after asking the local teller to help me. The local teller told me those $ XXXX charges should not occur, and she verified with a fellow teller and her XXXX before giving me the Online Banking number. The Online Banking team transferred me three times until I was speaking with XXXX from the XXXX XXXX XXXX ; she took her time to look through my case, and told me that Chase had nothing to pay me ( this was the third person who told me this ). She gave me case numbers to dispute this online via the same portal I used to transfer my wire payments, but Chase 's final decision from the phone call was that the Hungarian university had no relation with the bank to which my payments were sent, and that the XXXX XXXX Treasury deducted fees because of this, then sent the remaining amounts back to Chase, who forwarded them on to me. I have written verification from the university that the university does in fact have a beneficiary bank in place, and I have written documentation also that they never received my Chase wire transfers. I verified the university 's banking details that I'd used in my Chase wire transfers before sending the same fees via a banking app called XXXX. The XXXX university received these fees without issue ; again, I used the same details. Chase is the only variable in these transactions that could logically withhold {$150.00}. My recipient contacts checked for my transfers each weekday after XXXX XXXX until I found the reversals in my account on XXXX and XXXX XXXX. Chase reversed my XXXX wires without my consent only to charge me over {$55.00} apiece for their reversal ; none of those XXXX reversals was initiated by me or my recipient. On XXXX of XXXX reversals, there is " No Reason '' given, and the third, citing " XXXX Bank, '' is clearly incorrect if not a lie. I only want my own money back. Chase stole it.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX reassured me they wouldnt report me to the bureau if I paid my total amount due.
Company Response:
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I was written a check by a previous employer, XXXX XXXX XXXX Chase restricted my account until it could verify the check and the writer of the check. I have been on endless phone calls with my bank, Chase. They refuse to directly call the number on the check for verification purposes. They stated that they can only call verified phone numbers for the writer of the check, which begins with " XXXX. '' However, they have been bounced around between departments and when directed to XXXX, the company that writes the checks, they were unable to help. I have probably talked to 5 contacts from XXXX, and 20 from Chase, with no luck. I warned them that they have 7 business days to release my funds to me, or I will take legal action. They warned that my account would be closed in 10 days if this is not resolved, but they are refusing to try and resolve this. I want to file legal action against XXXX, Chase Bank, and XXXX, all 3 bodies involved.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX, I received my Checking Statement from JP Morgan Chase Bank. I noticed that instead of the usual {$.00} Balance which I had for a few years as the account has been dormant. I used the checking account when I lived in XXXXXXXX XXXX. I then left in XX/XX/XXXX to live in XXXX, having taken a position as a XXXX XXXX XXXX ( specializing in XXXX ) with the XXXX XXXX and later, XXXX XXXX XXXX XXXX. Also, as a Veteran, I had a free XXXX XXXX XXXX, along with one that I had paid for. When I left XXXX, I had not closed the boxes but went back in XX/XX/XXXX, to close them both. Or at least I thought I did. The Checking Statement showed that I owed {$48.00} as I had been charged an annual fee for the " free '' Veterans XXXX XXXX XXXX. I was confused so I called the local branch where the box is located at XXXX XXXX XXXX XXXX XXXX OH. I spoke with the Bank Manager, XXXX XXXX ( XXXX ) on XX/XX/XXXX. He said he would look into it as I told him I had never received any notification that the box was no longer free and I said I had closed it. I called back on XX/XX/XXXX, and spoke with him again. He said that while the paid box had been closed, the " free '' box for Veterans had not been and is no longer free. A letter had been sent to me giving me one month to close the box or be charged an annual fee. I told him I had closed the box. He said it had not been signed for. I also told him I had never received a letter about this fact. He said I had received one. When he looked for it, he could not find it. I told him to escalate the matter to the corporate level. On XX/XX/XXXX, I called Customer Service. I spoke with XXXX from XXXXWhen I asked him to look for the letter, he said that only the Branch has the letter as they have the code to access it. Corporate does not have a copy of the alleged letter sent to me. On XX/XX/XXXX, XXXX ( XXXX x XXXX ) called from the Escalation Dept. I believe he was from overseas. He said he was the final arbitrator. He said a letter had been sent to me at my address. I also need a POA to close the box, if I can not come to XXXX, and the key for the Veteran 's Box. The XXXX for this action was XXXX. I asked him why would I keep a box that I was never going to use as I had left XXXX. And if I even had the box, why was I not informed by letter as I never received it. He said he had seen the letter which is why he was telling me I had received it. Paying the {$48.00} is no problem for me but I do not like being taken advantage of. I then went to a local Chase Branch at XXXX XXXX XXXX XXXX. XXXX, VA XXXX, and spoke with the Manager there, Vice-President, XXXX XXXX XXXX ( XXXX ). She was kind enough to look up the letter finally. The letter was addressed to me on XX/XX/XXXX, but to an address in Texas. ( XXXX XXXX XXXX, XXXX XXXX TX XXXX ). For some reason, they sent it to XXXX XXXX XXXX. The letter has my name on it! ( A copy is attached ). XXXX XXXX then said she would re-escalate the complaint to Corporate. I then waited 2-3 weeks. I then went to visit her after I had called her a few times and she did say I should be expecting a call. XXXX XXXX said that Corporate had said that she should not have re-escalated the issue for me and the decision was final. I took it that they had been angry at XXXX XXXX for assisting me on this matter. At this point, the following has occurred. 1. I was not sent a letter notifying me of the new policy. Their error which they refuse to admit to. 2. I can not find the key to the box as I know I closed it over two years ago. Even if I get a Power of Attorney to get it closed, without the key they are saying I need to pay to drill out the lock which is expensive and will be charged to me. 3. I am being charged for the annual upkeep of the box, as well as late fees ( I assume ), and eventually credit reporting ( my credit is excellent ). 4. I have spent a lot of time on this matter which has not been my fault. It has been very inconvenient and frustrating knowing that either this has been handled either in a deceptive manner or not sensibly. As a Veteran who trusted Chase, it is very disappointing and I intend to close my remaining accounts ( credit card and checking ) if it is not resolved in a fair way. I hope you can help to resolve this. The only alternative is to go to social media as fighting a corporate banking institution, which I have banked actively with in the past, is not easy. I appreciate your help. Thank you.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do not owe any debt to this place. Ive never had an account with them. They called me 8 times within 7 days. They called me TWICE A DAY on 4 separate occasions. That I have record of they have called me 2x on XX/XX/2022, called 1x on XX/XX/2022, called me 1x on XX/XX/2022, called me 2x XX/XX/2022, called me 2x on XX/XX/2022, called me 1x on XX/XX/2022, called me 1x on XX/XX/2022, called 1x on XX/XX/2022, called me 2x on XX/XX/2022. This is just what I have proof of but they have called me more than that. The week from XXXX XXXX they called me 8 times ( more than 7 times within 7 days ) When I talk to them they will not give me any information about who is calling, what they are calling about, they didnt tell me of any debt I owed. When I called them to ask questions they still could not tell me why they were calling me or how they have my name and phone number. It was disruptive to me at work and on the weekends at home. Im worried this JP Morgan is going to have fraud put on my credit report from debt I dont owe. The two numbers they always called me from are XXXX ( XXXX ) XXXX and ( XXXX ) XXXX.
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I mobile deposited a check on XX/XX/2023 for {$2100.00}. They put a hold on the check and did not deposit the funds to my account. Then Chase, without warning, closed my account. They sent me a check for the amount of funds in the account but not for the check I had deposited that they were holding. They have withdrawn the funds and they have cleared from the check issuer 's bank but they will not release them to me or back to the check issuer. Chase says they need to verify a phone number with the check issuer business. They said they can not verify a number but will not tell me how or what they need to verify the number. They are just holding the funds and will not release them to me or back to the check issuer.
Company Response:
State: MO
Zip: 653XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXX , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX, JPMCB CARD / XXXX, JPMCB CARD XXXX - Date opened XX/XX/XXXX, JPMCB CARD XXXX - Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A