Date Received: 2023-06-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This complaint is to JP Morgan and Chase Auto Loan. State farm sent a cashier check off this item in XXXX of XXXX. I have included the necessary paperwork for it in this complaint as well. JPM Chase received the information but has not cashed the check, instead chose to keep adding fees to the item. I communicated with XXXX XXXX through XXXX - XXXX, and they sent another Cashier check for the payoff on XX/XX/XXXX. The cashier check was delivered on XX/XX/XXXX at XXXXXXXX XXXX Signed by XXXX, with tracking number XXXX. JPM Chase Auto has still yet to cash the check. They have instead decided to keep hitting my credit report with late payment and charge offs and included fees. I have disputed this item with the Credit Bureaus and with JPMorgan Chase Auto which states that the information is valid, despite the fact I have included all of the paperwork that I am sending into the CFPB as well. I feel that this is my last option to get this corrected. I am attempting to get a home loan, and this item violates the FCRA, and FCBA from what I have read online, they are refusing to cash they payout at our agreed upon amount, and instead, choose the add late fees. The cashier check was received ( as stated in the XXXX XXXX I have uploaded ). I have also attached a Credit report ( dated XXXX XXXX ) of the item in question : JPMCB Auto - Account XXXX. One can clearly see the increased fees from the payout due to them refusing to cash the check. My loan officer said that this inaccurate item is preventing them from refinancing my home. I turn to the CFPB for them to conduct an investigation on this item so they can get JPM Chase to cash the check as we agreed and report a XXXX dollar balance to my report.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Chase is engaging in inconsistent, non-transparent, unfair, deceptive and abusive extensions of credit on its credit cards. I have 3 credit cards with Chase : Amazon XXXX, Freedom and Freedom XXXX. Chase has pushed its largely junk card, the Amazon XXXX, which is habitually plagued by all of Amazons sleazy, out of control, unfair, deceptive and abusive billing practices, and I believe has raised the credit limit on this junk card automatically without asking me if I wanted it, while it has done just the opposite on the card I use the most, the Freedom XXXX. Furthermore, whenever I have asked for a credit limit increase on the XXXX card, Chase uses this as a pretext to try to force me to apply for the card all over again and extract a lot of personal information from me that it does not require when it raises the credit limit on the Amazon card. The only way I can avoid this abuse is to transfer the Amazon credit to the XXXX credit limit which I have done a few times. However, Chase does not openly advise its customers that it will do this and instead tries to force them to reapply for credit as for the first time on the Freedom XXXX card. Additionally, whenever I call the service number for the XXXX card, I am subjected to a slew of irrelevant, canned recordings with no way to avoid them, wasting what little time I have to deal with abuses that should not exist to begin with. This is an obstacle to being able to communicate with the Unlimited card personnel. Finally, when I asked the person who said he transferred credit from the Amazon card to the XXXX card, after he tried to take a complete credit application from me, why Chase was not reporting activity on the XXXX card which has the most activity on it, to credit bureaus, he said he did not know and that I would have to speak to someone else. He then transferred the call to more pre-recorded garbage I did not have time for, before another recording announced that no one was available to answer this question unless I hung on the phone 30 minutes or more to speak to someone because people who knew the answer to this question are in short supply and not readily available to explain their actions. Clearly, as part of being squirrelly with its inconsistent and abusive credit management, Chase also resists and imposes obstacles to its customers for explaining why it does not report activity on my most used card, or perhaps for any of my cards, to credit bureaus. Please investigate, monitor and effectively sanction Chase for these aforementioned practices. If it automatically raises the credit limit of one of its cards, it should at least offer to do so for all of its cards so that its customers have a fully transparent choice about how it is offering, not automatically assigning, credit. The kind of market manipulation that Chase routinely engages in, in for example, pushing Amazon sales and card usage, is repulsive. It should not be allowed to extract new personal information to raise a credit limit on any of its cards but go by the actual payment history of any particular card. With very few exceptions, many of which are due to the ephemeral inconsistencies of information presented or unjustifiably withheld in online banking and on statements, I have paid monthly balances in full on time or before they are due on all of my Chase credit cards for many years. Chase still has two parallel, incommunicative, payment systems within online banking, a source of constant confusion that Chase simply will not resolve. It should be sanctioned, but effectively, for its habitual repeat offenses in this regard that are a direct cause of confusion, overpayment, underpayment, etc., as the case may be. In the same vein of routine confusions, Chase does not print closing dates on its statements on all or any of its cards, while it should be forced to do so on each and every statement it prints for each of its cards. This should be a basic standard for any credit card statement of any bank operating in this country, without exception of the whining excuses of small banks and credit unions. Fairness to customers should be the reigning/reining standard, not size and ineptitude of any institution that issues a credit card.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I requested that JPMCB cease and desist all communications and negative reporting from my credit report on XXXX and remove the closed accounts. JPMCB has agreed to stop communications with me but continues to report negative activity on closed accounts.
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via XXXX in order to process my submission. After they approved the application, they requested {$1000.00} sent via XXXX as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via XXXX before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via XXXX. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} XXXX request. I did not send any additional money and filed complaints and disputes with my bank, J.P. Morgan Chase, the FTC, New York 's Attorney General 's office, and XXXX on XX/XX/23. None of the aforementioned parties have contacted me since.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I used to have a gym membership at XXXX XXXX XXXX XXXX, TN that charged {$19.00} as a direct ACH debit to my bank account monthly on the XXXX. As I was moving, I used their online form to contact them on or around XX/XX/2023 to notify them I'd like to cancel my membership, which was a month-to-month no contract membership. They did not cancel my membership and I was charged 2 more times, XXXX and XX/XX/XXXX. Calling their phone number results in a voicemail box that does not get returned. I contacted Chase in order to get the unauthorized charges back and to ensure that I don't receive any more charges from XXXX XXXX. One department at Chase filed returns on both the XX/XX/XXXX and XX/XX/XXXX charges and then transferred me in order to place a stop payment. Once transferred, the Chase employee told me it would be {$30.00} to place a stop payment on the withdrawals from my account. Chase is effectively telling me they will continue, every month, to allow unauthorized charges to my account unless I pay a fee to them to stop the unauthorized charges. Now I am tasked to not only be extorted by the gym that won't cancel my recurring membership for $ XXXX but also by Chase who their customer service supervisor told me I would have to call the claims department every single month in order to have them file a return on the ACH and wait 2-3 business days for the funds to be returned to me, all because they refuse to waive a {$30.00} fee to stop *unauthorized charges*.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To Whom It May Concern, Since XXXX XXXX XXXX days ago, Chase Bank has failed to preformed, in turning over to me, XXXX XXXX, the sole trustee and beneficiary, access to the money my parents left me, in the XXXX XXXX XXXX. They have on file the trust, death certificate and trust tax I D number. Chase said they don't have enough money in the bank and it would be reviewed in their Florida offices, where a check will be mailed to my home address.. When I've ask, what is happening, Chase replies, the account is in review, or we can't get in touch with them because of the time difference, or we are looking in to it. When I asked for the address of the Florida Legal offices or a phone number, the refused to give it. An other bank, in the XXXX XXXX XXXX gave us the funds within a week. After speaking with an attorney, he said they should have turned the money over then.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
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: currently there is XXXX XXXX dollars give or take on my credit card business ink through Chase Business. I have called at least 20 times into resolving the matter. I kept getting transferred, line would go dead, I would be put on hold for very long time, I could not understand what the person on the other end was staying to me due to a language barrier. I been trying to dispute the ENTIRE Current balance on my chase BUSINESS credit card since I did not approve of the purchases on there. I submitted a receipt to the fraud department stating the purchases were not me since I had lost my credit card and had lost my phone. I submitted the documents to them back in XXXX for the phone.
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX, XXXX, I applied for the state with the mortgage assistance with my XXXX and XXXX mortgage. They are both with Chase bank. Meanwhile I told Chase rep. on the phone, I am working with state of IL for the mortgage assistance. I need some time to wait for the state decision. Chase should had recording of my phone call. ( I doubt that they would provide ) State denied my application on XXXX. In XXXX I found the reason for denial was my first mortgage was original Jumbo loan. So on XX/XX/XXXX, I borrowed funds and went to chase bank branch to pay the late payment on the XXXX mortgage. I paid over XXXX XXXX to make it current. But when I wanted to pay the XXXX mortgage, banker told me that it was on foreclosure. I can't pay there. I need go home and waiting the reinstatement letter in the mail and email. I finally got email, it was dated XXXX, for my late of {$2900.00}, Chase charged late fees of {$98.00}, plus legal fees ( they called Corporate advances ) {$1700.00}. of total {$4700.00}, more than 50 % the amount my mortgage total owed. I went to branch,XXXX ) asked the itemization of {$1700.00} fee and XXXX ) asked why Chase didn't foreclosure my XXXX mortgage which owed more than XXXX XXXX and just foreclosed my XXXX mortgage Which only owed {$2900.00}. and I never got any notice of this foreclosure. Rep. called the Chase legal department. Asked me to go home waiting for the phone call. In the later XXXX, XXXX from Escalation department called me. XXXX she gave me the reason is my XXXX mortgage was 1 month behind than XXXX one. that is why they foreclosed my XXXX one and not XXXX one. After I verified that they both paid in the same month. last payment for XXXX XXXX, for XXXX payment was made XX/XX/XXXX, and XXXX payment was XXXX XXXX, XXXX. They both paid up. I was late on XXXX that is why on XXXX XXXX I applied for state 's assistance. Then she said waiting for their research report. On XXXX. XXXX, Friday XXXX called me and told me research department found out. On XX/XX/XXXX, Chase got state notification that they got my XXXX mortgage application so that account was internally put in foreclosure protection. But state never notify Chase XXXX mortgage was also in the same application. That is why XXXX mortgage didn't get foreclosure protection as XXXX one. I told her we can call together on the phone with state to verify that I put application for both XXXX and XXXX mortgage in the same application on XXXX, XXXX. She promised me that once she got confirmation with the state, Chase will withdrawal the foreclosure for my XXXX mortgage. She called twice and phone was busy, then she hung up on me. Saturday, Chase rep XXXX XXXX called me about foreclosure. And after I explained to her my whole story, she referred me to talk to Chase XXXX department. Monday, XX/XX/XXXX, I called Chase XXXX department and found out XXXX had closed the case. I called the XXXX 's supervisor XXXX, After heard my story XXXX told me that XXXX was off that day and will reopen the case and ask XXXX to call me Monday. Today is Wednesday already, XXXX never called. Yesterday I also found out from other lawyer, on XX/XX/XXXX, Chase already filed foreclosure case. In the middle of Chase research, regardless Chase send me reinstatement letter and good to XX/XX/XXXX. Regardless I was working with XXXX to solve the problem. Just more legal fees for me. I am complaint about my case is I got sick of Chase Bank unethical practices. Dishonest and greed and lies. they don't care people lose their life saving in the house and had to live on XXXXhe street. They don't care!!! They should be punished for what they cause the hurts and damages on people. I had been very good customer with Chase, and had Chase mortgages over XXXX XXXX. By using cheating and taking advantage of my financial adversary ( had XXXX twice, lost job ). Chase knew that the foreclosure was a mistake and they didn't want to correct. I am XXXX XXXX XXXX now and my husband is XXXX XXXX. to be harasser constantly by Chase rep and I had so many nightmare and sleepless nights. XXXX constant XXXX me. My credit got shot. I had XXXX XXXX XXXX. The stress cause the XXXX pain again. I had to take XXXX XXXX constantly.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, my wife and I went to a local chase branch located at XXXX XXXX XXXX in XXXX XXXX to open a joint checking and savings account. The account opening process went as normal. We provided required documents to verify our identities, including our marriage certificate and social security card which was necessary to prove my wife 's name change. We deposited XXXX checks amounting to {$1300.00} and {$230.00} in cash totalling {$1500.00} and then left. We were not given a deposit receipt, however, the amount was read as {$1600.00} despite me putting the correct amount on the deposit slip which I can not download or attach unfortunately. That amount was adjusted on XX/XX/XXXX according to my bank account. I am not certain if this is what caused the situation at hand but this was not to doing, but Chase 's. On XX/XX/XXXX my credit card was frozen and I had to call and, successfully, unlock my online account and card as they were attempting to verify that I had in fact moved and made the purchases I've been making. So at this point Chase had two forms of affirmative documentation of my move. One verbal through their credit card team, and one physical through my account opening and proof of residence. On XX/XX/XXXX I, again, tried to access my online portal only to be met with a notification that my account was locked. I had no documents or correspondence from Chase indicating that this action had been taken nor would I receive any correspondence from them until the following day which advised my account was restricted and that I could find out more information by logging in, which I could not do because they locked access to my online account as well. I called multiple times throughout the day and was on XXXX minute phone calls before a rep would ultimately advise they need to transfer me to another department. Finally after work, I got in touch with their deposit review team. They advised me that my account was frozen due to suspected fraud until they could review the validity of every single check I deposited. When I asked what about my account opening was suspicious, I was met with resistance from the operator and was given " maybe '' the age of the checks, " maybe '' the move, " maybe '' the different names on the checks. I was never afforded a singular affirmative reason for the freeze. I was on the line with this rep for XXXX XXXX while he attempted to contact my relatives who all wrote these checks as a gift for our wedding. Again, our marriage certificate corroborates our recent union. And the different names would be explained by the wedding as well. Chase had access to all of this information and documentation themselves to verify. The rep kept coming back to the line and advising me that my relatives either did not answer, or that the numbers they had in their registry were not active. I offered to provide their contact information but was told that the number had to match their internal registry. One of the numbers I was told did not match was my Aunt, who has had the same phone number for well over a decade. Eventually the rep advised me that he had exhausted the list and that further review would be necessary. I expressed my frustrations with the policies, particularly as I was advised that I could not provide contact information and in addition to that, these family members could not reach out at their own convenience, but rather I had to call each of them and explain that I was being investigated by Chase for fraud and that they'd have to provide me with a date and time that they'd be available for Chase to call. In addition to that, I could not be given a specific number that chase would call from as I was told that the number could and would be different and that they also do not leave voicemails. In the age of fraud and scams, this is an extremely anti-consumer and dangerous practice which leaves many susceptible to ACTUAL fraud. The rep told me that my opinion on the practice was not valid and that I was wrong and began talking over me. I escalated the call and spoke with a supervisor who attempted to help for a further hour to no avail aside from submitting a complaint regarding the behavior and actions of the rep before. During my time with her I was told if they could not validate the funds, which were already cashed at this point, the funds would be placed into suspense for up to 2 years and ultimately remitted to the state. None of my relatives were to be reimbursed, and I would not receive the funds. We scheduled an appointment with a rep at the XXXX XXXX branch again who spoke with the fraud team, I was present for only a portion of the meeting but after calling my relatives once again to verify the validity of the checks and extensively checking my wife 's identification documents again, the account was unfrozen. The fraud department, after telling me twice from the two prior representatives " found '' my aunts matching phone number and successfully verified her check. After at least 5 hours of total effort over multiple days, I still had not received any definitive explanation as to what prompted the account freeze. Despite all of this my online access was still revoked and I had to call yet again the following day to reinstate my access. Following all of this I simply wanted an official explanation from Chase as to why my accounts and online access were frozen not once, but twice. I went through tremendous time, energy, and embarrassment to prove my innocence in the matter. I do not feel I should have had to do the fraud department 's job for them, especially provided the fact that they had every document necessary to disprove the " maybes '' I was given. The age of the checks and multiple names were explained by our wedding. And despite the age of the checks, which were around 45 days old, checks are negotiable for 90 days unless otherwise stated. And the move was already validated verbally by Chase 's credit card team and the proof of residence we submitted upon account opening in branch as well. I lost money from having to take time off from my job to resolve this, and I was not promptly notified of these actions taken by Chase. It was frozen since XX/XX/XXXX at least, potentially earlier. However I didn't receive any official correspondence, again, until XX/XX/XXXX via email. And never through mail. I was subjected to embarrassment from being forced to contact my family after our wedding and do the job of Chase 's fraud department for them to directly contact them, as opposed to contacting their financial institution and having them verify for each individual. I have never heard of practices like this. I believe that Chase will not provide an explanation for this freeze because it was unlawful and unfair. And I believe their policies and practices are unfair to consumers and dangerous to consumers as well. This was a gross overreach of power and I believe Chase held my money hostage simply because they could. And if I didn't have the flexibility and endurance to be able to accommodate their stone age policies, then my wife and I 's legitimate funds would have been taken by Chase and our accounts closed. They even placed my wife 's moving stipend, which was a direct deposit days after the opening, unrelated, and not even a check, into suspense which was thousands of dollars and also would have been subjected to the same seizure of funds as our checks in question. I have contacted the banker, the branch manager, and their executive complaint department asking for an official statement in writing as to why the freeze placed on my account was valid and lawful and was told they could not do so by each. I spoke with the executive complaint department XX/XX/XXXX and was told exactly, I quote " we can not provide you with a written reason in writing [ for why the freeze was placed ] because if we do that for you, we would have to do that for everyone. '' Apparently the official stance by Chase is that telling people why they are suspicious about their account activity is too laborious to do for everyone, so they will do it for no one. However, they will force you to spend hours calling them and your entire family to prove you're not a fraudster and that your account is legitimate.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had fraud happen to my checking account.My money from XXXX check funds, {$520.00} was taken using XXXX XXXX. I disputed this that it wasn't me. I don't have XXXX phone, account or anything to do with XXXX. Chase gave me the {$520.00} till my dispute was done. They said it was my fault because they used my phone number. So then they wanted the money back and i didn't have it because i used it to pay bills.I lost the other half of my check so i had no money. Why would i give someone permission to take out my money. I'm XXXX XXXX XXXX. That's all i had is my XXXX. So then they said after a few attempts i made that i was to blame. So then it went to collections.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A