Date Received: 2023-06-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern, Regarding complaint # XXXX 's inadequate response. Essentially, the company just copy pasted boiler plate language in their response, which by its nature shows they did not even take the time to read my complaint. In the first sentence of my complaint I said that the two missed payments are accurate but would like to described the circumstances surrounding those two months. Yet their lengthy respond was we will not do anything, the two missed payments are accurate. I was never disputing their accuracy. Also, if the did not read my first sentence, they certainly did not take the time to read my attachment as they claim because the never spoke to the facts surrounding my circumstances at the XXXX of my two late payments. This financial institutions need to be reminded that they are not omnipotent, be humane and actually respond to people with some sense. That said, if Financial Institutions are going to be egotistical, technical and difficult with the average lay person, then let us pose the following message to them : 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). While I was being friendly, now I am claiming they have violated my consumer right per 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). Creditor was required to get my permission before reporting to credit bureaus but never did. Also, Chase Bank, was suppose to ask me before reporting my late payments. They sent a letter saying they have to report the 2 lates by law but they both never gave me the option to opt out of disclosing the late payment to a third party as required per 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) The late payment is showing up for the month of XXXX and XX/XX/2022. The creditor is Chase Bank for a car loan. The account number is : XXXX For the purposes of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ), a 30-day and 60-day late payment is generally considered personal information.This section of the law pertains to the privacy and security of " nonpublic personal information, '' which is defined as " personally identifiable financial information '' that is not generally available to the public. A 30-day and 60-day late payment would typically be considered personally identifiable financial information, as it pertains to an individual 's financial history and could be used to identify that individual. Under the law, financial institutions ( such as Chase Bank ) must provide their customers with a clear and conspicuous notice about their privacy policies and practices, including how they collect, use, and protect nonpublic personal information. Financial institutions are also required to take steps to safeguard this information and prevent unauthorized access or disclosure. If a financial institution intends to share a customer 's nonpublic personal information with a nonaffiliated third party, they must provide the customer with an opportunity to opt out of such sharing. I was not notified. Please procure within 15 days a certified mail receipt of such letter and a copy if you followed the law. Overall, a 30-day and 60-day late payment would typically be considered personal information under 15 U.S. Code 6802 ( b ) ( 1 ) ( B ), and financial institutions must take steps to protect the privacy and security of this information. For purpose of 5 U.S.C. 1681 refers to the Fair Credit Reporting Act ( FCRA ), users of consumer reports ( such as lenders ) must obtain the consumer 's consent before obtaining their credit report - Chase Bank obtained my credit report from XXXX without my consent as well - and XXXX gave it to them without my consent. In conclusion, please procure within 15 days a certified mail receipt of such letter asking for my consent in either direction and a copy of said letter if you really followed the law?
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got a hard inquiries from XXXXXXXX XXXX XXXXXXXX and JPMCB Card Service which I believed I never transacted or consented and dropped my XXXX credit score to XXXX
Company Response:
State: IN
Zip: 47802
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed two disputes with XXXX. One was for {$100.00} on or about XXXX XXXX, 2023. I noticed the charge on my account and asked them to investigate it. I signed into my XXXX and noticed that it was on my XXXX as well and reached out to XXXX for further assistance. I have a representative on a recording stating that I won the claim and do not owe them. However, Chase keeps stating that I owe them when I do not. I have sent in my XXXX statement showing that I did not make the purchase and stated that my account was compromised but they refuse to listen. I want my money back because it is not legal or ethical to hold me liable for a purchase I did not make! Also, I filed a dispute with Enterprise rent a car showing my car insurance company paid them over {$300.00} for the rental while my vehicle was in the shop. I paid enterprise a refundable security deposit. I was denied my money back by both XXXX and Enterprise. This is THEFT and I want my money returned to me! This has caused so much XXXX XXXX when I am already battling so many troubling things. I want my cases opened and evaluated by someone higher up who can help!
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank is not releasing my money. Check payees are verified, pretty sure it's a cashier 's check. They say they can not verify XXXX 's phone number. XXXX is the XXXX the account was held at that was closed out and the check issued. Their phone number is listed on their website, consumer information sites, government websites- and is a 1800 number that they pay for and register to themselves. Chase bank 's loss prevention department says it is not verified in their system ( that is based off of public record ) so they can't call it to verify funds. I have provided email correspondence from XXXX verifying the check. They refuse to release my funds. There is no number verified in their system to call and verify the chrck- though it has already cleared and they are just holding my money. It is XXXX This is negatively impacting every aspect of my life and causing extreme problems. I can not retain custody of my children over this. I can not purchase a vehicle. I have food insecurity. It is wrong.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was recently scammed by a dance company I purchased a uniform for with different payments for different parts of the uniform. Because of this I called to dispute the parts of the uniforms and the transactions with Chase. The amounts were ranged between XXXX XXXXXXXX {$400.00}. I woke up one morning, on the XXXX XXXX XXXX and my account wouldnt let me transfer. I called and theyd said the claims department told them to close my account, there was no warning, or any call to inquire about my claims! Just closing. I have money {$62.00}, and {$160.00} stuck in my checking and savings account. It has been 4 days and I havent received an update about the closure of my account or my money! This is unfair as I used this account for my business, XXXX XXXX XXXX XXXX XXXX XXXX. I am also a XXXX XXXX who doesnt have the means to keep opening accounts. This needs to be fixed, as Ive done nothing wrong!
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I contacted Chase to report money missing out of my account. I informed them that my card was missing, and a total of three ATM withdrawals had been made. These withdrawals amounted to {$2000.00}, with one being for {$1000.00} on XX/XX/XXXX, another for {$800.00} on XX/XX/XXXX, and the third for {$200.00} on XX/XX/XXXX. Initially, when I spoke to a Chase representative, they assured me not to worry and promised to take care of recovering the {$2000.00}. They mentioned providing me with provisional credit within 24 hours or 1 business day, but I never received any further communication from them and did not receive no provisional credit. When I reached out to inquire about the status, and about the provisional credit I was told to wait. I did wait, a week went by and I called them and to my surprise I was told that my claim had been denied due to the proximity of the geographical area. This came as a surprise to me. I trusted Chase to manage my money and now they are refusing to give me my money back. I have been a loyal customer of Chase for six years and have made several calls to address this issue. Chase requested that I send them the proof by fax to prove that I was not at the branch chase when this occurred. I asked them to provide me the time the transactions happened. I am willing to provide proof that I was at work during the time this happened. They mentioned it would take 24-48 hours for a response after I sent my documents. I expected them to call me back like they said they would and they didnt, I was told they would be in contact with me in 24-48 hours after sending documents. I sent the fax on XX/XX/XXXX, and reached out to them again on XX/XX/XXXX, I was told to wait until the end of the way day I did. On XX/XX/XXXX, I call them again and I am told they have not received my documents that I will have to sent them again. I sent them again and waited a few hours, I was told by a representative that it would take 2-3 business days for them to receive my fax. Even after I told him that I was told it only takes 24-48 hours for chase to get in contact with me after receiving my documents. Despite their promises to make it right, Chase continues to disappoint me. They denied my claim based on the geographical area, and said I authorized. I did not. At this point, chase keeps brushing me off. I am writing to formally lodge a complaint regarding an unauthorized transaction on my bank account. On XX/XX/XXXX and XX/XX/XXXX a sum of {$2000.00} was taken from my account without my knowledge or consent. I have diligently reviewed my records, and I can confirm that this transaction was not authorized by me. I understand that such incidents require investigation, and I was more than willing to provide any additional information or documentation necessary to expedite the process. I have already contacted the customer service department, but the matter remains unresolved. Therefore, I kindly request that this issue be given the utmost attention and urgency.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023 XXXX removed a delinquent account from my report due to improper reporting on an account. On XX/XX/2023 at account was put back on my report. It is XXXX 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting XXXX inaccurate late payments for the JPMCB account XXXX. These include a 30 day late payment posted. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received my statement I pay the amount in full before the due date my payment was due XX/XX/2023 I pay the full amount in the bank on Saturday XX/XX/2023 on XX/XX/2023 I received my statement thinking that I was going to have a XXXX balance come to see my statement had a balance of {$16.00} interest they are charging me after the fact of me paying my balance in full I call the credit card company to try to resolve the situation but they said that they couldn't do nothing for me and that I had to pay the {$16.00} interest which I think that's very unfair knowing that I went to bank before my due and to charge me after the fact its very unfair I was so frustrated that I decided to cancel the credit card I will no longer be dealing with chase!!!!
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
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 have been a chase client with the private client division in XXXX XXXX, XXXX for many years and I have various business accounts. I would like to report highly unprofessional conduct with the branch professionals ( XXXX XXXX and XXXX XXXX ) and the Chase Auto-loan department XXXX XXXX from Complaints Department ), which has caused damages in excess of {$180000.00}. The Chase Auto Loan division reported an incorrect late payment, which I disputed immediately, based on the following facts : A ) the payment reported was not late and proof of payment was provided ( attached ) B ) Chase Auto loan statements had been sent to the wrong address C ) the online profile set up by Chase to enable electronic payments was connected to the wrong profile without my knowledge. I had no access to this profile. D ) the name on the Chase Auto loan and all relevant information ( such as address ) was recorded incorrectly E ) payments I made by phone with Chase Auto were drawn with delay causing a XXXX day delay which caused a late payment reporting in my credit profile ( proof of payment attached ) F ) Lastly there are no branches in XXXX ( where I live most of the year ) to make payments. G ) Chase XXXX acknowledged a mistake was made by Chase and told me they would fix the issue with Chase Auto For all the above reasons, I contacted my local branch as well as Chase Auto to correct the late reported payment that showed up on my credit report as I'm about to close a large real estate transaction. I was told by the local branch that they acknowledge the mistake made by Chase, and that they contacted Chase Auto who also acknowledged it, and therefore would correct the record on XX/XX/XXXX. I then informed my lender ( who was funding a real estate transaction ) who agreed to postpone the closing, so I would not lose my down payment of {$180000.00}. The transaction would close once the updated report was provided. But it never came, because the bankers at Chase XXXX lied to me. Chase Auto informed me today that they denied this request. I have been a client with Chase for many years. I have never been late on any of my payments. Furthermore, I offered to simply pay off the entire loan, but no one was willing to speak to me. I was being cast aside with no help whatsoever. These are the very professionals I trust with my money. Clearly, these Chase bankers are not trustworthy, which is proven by this obvious and blatant misconduct. This late payment reporting must be corrected because of the circumstances which clearly proof mistakes made by Chase.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A