Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Shared personal data with other companies
Company Response:
State: AL
Zip: 36701
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XX/XX/2022 It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a call from JP Morgan inquiring if I applied for a credit card on XX/XX/2023. I did not make this application. JP Morgan marked it as fraudulent and declined the application. However, a hard inquiry was made on my credit report.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been locked out my account I have been calling this bank for days about my funds in my account customer service has been terrible they have been directing back and fourth between departments I dont know what else to do please can you help me
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: XXXX, I purchase a book editing and formatting service from a company I believed to be an affiliate of XXXX XXXX and with an email Address ofXXXX ( notice there is am extra " XXXX '' in the email URL ). A charge of {$700.00} appears on my Chase statement for {$700.00} from " XXXX XXXX ''. XX/XX/XXXX, After 6 weeks merchant sends a draft of XXXX out of XXXX pages. The draft is filled with errors and is worthless. I send letter to merchant documenting the errors and begin partial dispute with Chase. XX/XX/XXXX, Merchant responds to my complaint indicating he wants an additional {$3200.00} as if this is a " bait and switch. '' Merchant subsequently offers to return to original agreement if I provide a PDF file ( rather than a XXXX document ) and drop the dispute. I tell merchant I require a sample of his revised work. We agree on XX/XX/XXXX as a milestone for receiving a sample of the requisite editing and formatting. XXXX, no sample and no contact from merchant. XX/XX/XXXX, I begin second dispute with Chase for full amount of {$700.00}. XX/XX/XXXX, Chase denies I have a valid dispute by indicating there is no " new evidence '' to reverse their original " finding ''. The Chase review of this dispute has been a perfunctory exercise with no review of the merits of the dispute. Chase has hung up on my telephone calls multiple times.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase closed our Business account. We are a XXXX XXXX business. Among other customers, we serve low income communities that can only pay with cash, therefor, 10 % of our income comes through cash. Chase has decided to close our business account for no reason and gave us no explanation. Our account manager thinks it is because of cash payments. This sudden closure is a huge hardship for our business AND our customers. I might have to stop taking cash payments to prevent our account from closing again when we open an account with another bank, which will impact our most vulnerable clients. Our books are very clean. We know where cash is coming from and what is being used for, but, even though we have tried so hard to keep everything in order, the bank goes ahead and closes our account with no explanation, causing great problems for our business and customers.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX of 2016, we opened a Chase Sapphire Reserve credit card with an add-on spouse card. The reason we opened our account was the perks and benefits promised for travel. XXXX of the most coveted perks was accessibility to airport lounges through the free XXXX XXXX offered with Chase. Initially, we had no problems and really enjoyed this benefit. The annual fee was {$550.00} plus and additional {$75.00} for the spouse card. It has since gone up to {$650.00} plus the {$75.00} annually. We have had no issue with paying this high fee since we felt the perk of being able to relax in the XXXX XXXX lounges before our flights were exceptional. A few years ago, we started noticing the lounges that contract with XXXX XXXX began limiting PP members. Many times we were unable to get in due to " capacity restrictions on PP members. '' Today I went in to check PP lounges available at XXXX for an upcoming flight next week and was shocked to see there are NO Priority Pass lounges at all in XXXX XXXX. I checked XXXX, NY and a few others and there were none. However, the XXXX XXXX website has a long list of XXXX XXXX XXXX. When lounges weren't available, a backup food allowance perk at certain restaurants was given. A simple lounge search on the XXXX XXXX website shows airports with lounges but the app does not show the same list. Total bait and switch. I have contacted Chase several times trying to find out why this has happened without resolution. Chase is still advertising this perk with their credit card however the perk is mostly unavailable. This is a real issue for me and my spouse. We feel duped and lied to, the benefits promised have been GREATLY reduced. We feel too many credit cards began offering XXXX XXXX that the lounges put in restrictions but Chase continues to advertise this perk. Is there something we can do?
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had a Chase Sapphire card with Chase since XXXX. We had over XXXX travel points my wife and I were planning to transfer to a third party site to book a hotel for our upcoming XXXX trip ( XX/XX/XXXX ). On XX/XX/XXXX, I was told by a Chase representative we need a Chase Reserve Sapphire or Chase XXXX Sapphire card, as opposed to by standard Chase Sapphire account, in order to transfer the points to the third party site. The Chase representative told me she could covert my standard Sapphire account to a XXXX, but she could not honor the new customer XXXX point bonus offered by Chase. I was told that if i closed my Sapphire account, though, I could apply for the XXXX or Reserve Sapphire accounts. I did and was denied credit due to an existing " Sapphire '' account. I called back and was told by another representative that I would have to wait 24 hours for the old Sapphire account to be removed. I waited and reapplied, but was denied credit for the same reason ( existing Sapphire account, which now showed " closed '' under my XXXX account ). I called again today, XX/XX/XXXX and was told I had to wait XXXX business day after my account was closed. Since it was one business day, I went ahead and reapplied. This time I was denied because I applied for credit too many times. I called Chase again and requested a XXXX who said he would file a " formal '' complaint on my behalf. Nevertheless, that was his only remedy since he could not reopen my old Sapphire account and/or covert it to a XXXX XXXX account. I was told I have to wait 45 days, not 24 hours or 1 business day. I was told different information by several Chase representatives, which now jeopardizes our XXXX trip that we needed to points to book at the hotel we were planning to stay at. At this rate, in 35 days I will undoubtedly be unable to secure the hotel room or even inferior hotels with out hard earned points based upon the bogus information I received. I would like additonal help in this situation as Chase appears unable to help.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Chase guaranteed on-time closing, or {$5000.00}, on my mortgage. They delayed closing, and now they are trying to refuse to pay {$5000.00}.
Company Response:
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for JPMCB CARD SERVICE, XXXX, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' JPMCB CARD SERVICE never informed me of my right to opt-out of information sharing. XXXX and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. I am exercising my right to opt-out of JPMCB CARD SERVICE reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A