Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose Chase credit card, XXXX XXXX XXXX late fees
Company Response:
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 I deposit a check on my Chase bank checking and they put a hold on my account. I had {$100.00} on my checking account before I deposit the check. On XX/XX/2023 I decided on doing my laundry however Chase bank account was put on restriction. I called them and ask why? And they told me that because I deposit a {$5600.00} and they still need to get it verified. So I ask why would they restrict the whole amount. Asking if I can just use {$100.00} to do my laundry. They still keep bringing up the {$5600.00}. The person wanted to talk to the owner of the check they said theres not enough info about the check. I told them not to worry about the check not right now and just give me {$100.00} so I can do my laundry. They told me my account was restricted because of the check. The conversation was just going in circle to the point I just got irritated. They told me theyre giving me a red flag and hang.up. I called again. Ask me if I didnt want the {$5600.00} and they need to talk to the colleagues. I ask the same question how is the check {$5600.00} have something to do with my {$100.00}. They told me I shouldnt ask that question and they would hang.up on me. Which they did. I called again. This time it was a female. She clearly explained it to me. She told me that I can go to the branch and get {$100.00} to show them my I.D . And card. Also, the banker told me to call the bank owner and tell them to cancel the check. also, she ask if she can get the telephone number of the owners check. Which I also did. And then they said they cant call the owner because the phone number is not in the business. I told them that I was really disappointed about the transaction and planning on closing the account in chase because I am paying {$5.00} every month so I can have an easy banking. The banker then told me that if I dont cancel the check they will keep the money and charge me with fees.So I did what she told me. The owner of the check told me the money was already taken out from the bank and they cant cancel it. ( XXXX XXXX ). Also, went to the chase branch And the banker told me the account is still restricted. As of today, its been 1 week the funds are already available to my account however the bank still restricted my account.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give permission to XXXX to place the inquiry for JPMCB CARD on XX/XX/2021 I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We regularly have trouble with Chase accurately reporting the receipt of mortgage payments on this account. Chase made a mistake on our payment last month. We sent the payment last month and the bank branch wrongly told us it hadn't been received by the XXXX ( it had ). So we sent another payment. Chase then wrongly charged us a late fee for the on time payment and they also listed the second payment a principal only payment. The second payment needs to be changed to the monthly payment for XXXX. And the late fee needs to be reversed.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX XX/XX/22, charged late fee and I called to dispute the charge as a XXXX year customer, also explained my circumstance and reason for late payment but request was denied.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/23, my husband called Chase for the tenth time to try and resolve an issue on his/joint account with me. During the call, the Chase representative XXXX XXXX to be a supervisor ) started telling my husband that I had a separate Chase Credit Card Account in addition to the joint account I have with him. This is a breach of privacy since my husband is not an authorized user of the personal single ( not joint/separate ) account I have with Chase. Again, my husband is NOT a user or authorized to my single Credit Card account, but XXXX provided my husband with my user name, etc. for my separate account. XXXX even gave my husband my personal login ID account information without my permission. This is a clear breach of privacy. XXXX even requested social security numbers.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Chase that they were closing all of my bank accounts and credits cards with them. There was no warning or explanation given. I have a checking account and savings account as well as 3 credit cards. One of the credit cards I have had for 20 years. I called and they gave no explanation and would not allow me to speak to anyone who could help me rectify the situation. This is extremely frustrating.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I deposited three checks drawn on other domestic financial institutions totaling {$2200.00} in person to a teller at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC during normal branch hours. The checks posted to my account and Chase made available {$200.00} of the deposit on the same day. Pursuant to Regulation CC, Chase should have made an additional {$25.00} ( for a total of {$220.00} of the deposit ) available on XX/XX/2023 to comply with the next-day availability rule. Then, Chase should have made the entire remaining amount available on XX/XX/2023, to comply with 229.12 ( b ) ( 1 ). However, Chase has instead failed to make any more of the remaining {$2000.00} available. At the time of deposit, the teller informed me that the bank may take " up to XX/XX/2023 '' to make this amount available. Several reasons for an " exception hold '' are provided in Reg CC that would allow this, but I do not believe that any of them apply to this deposit. My account has existed for more than 30 days, so it is not a new account. Nor was this a large deposit, as the aggregate check deposit for the entire day was less than {$5500.00}. My account has never been overdrawn at any bank, and I do not have any outstanding liabilities to Chase. None of the checks were redeposited, and no emergency conditions appear to have existed. The only remaining exception would require that Chase have relied on the " existence of facts that would cause a well-grounded belief in the mind of a reasonable person '' that the check would be returned unpaid by the drawer 's bank. Upon information and belief, the drawer of the {$2000.00} check maintains an account in good standing with the paying bank, has never overdrawn an account with any bank, and did not write a bad check. Therefore, I do not believe that Chase possessed such evidence. Moreover, even if an exception did apply, Chase did not specifically state which exception is used for the hold as required by regulation, nor the specific evidence used in this case to make a determination of reasonable cause to doubt collectibility, if that was the exception relied on.
Company Response:
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Chase put a restriction on my checking account on XX/XX/XXXX. Would not tell me why they did it. After 30+ years they said that they are cutting ties with my. But after the account was put into restriction status, Chase accepted direct deposits to the account. I had to go to the back branch on XXXX XXXX XXXX numerus times to see what is going on. This is because the they would not tell me over the phone. I had to tell them that the funds that they accepted was after the account was restricted. And I want my money from them. The first time the staff was able to get the check released from the account by someone over the phone. The next day the did the same thing. So another trip to the bank. That time the staff was very rude and was not able to get the funds released by someone she called. She had to go to the manger. He released the funds from that check. But without saying Do not return to this branch any more. She said you can go to any branch if there is anymore problems. I checked my account sure enough there was another check posted. I called up and talked to someone on the XXXX of XX/XX/XXXX. That woman said that the account would be closed in XXXX business days and that I can go to the branch and get the fund there. But on XX/XX/XXXX I checked the account there was a ZERO balance and that the was a withdraw of the balance of the funds in the account. At that time I called the Number on the card and was transferred to someone that can help. That person said that was never the case that if I went to a branch they would issue me a casher 's check for the amount. She still never informed me why they closed that Chase is cutting ties with me. But the check was cut and it should be her by next week sometime. This is not right to find out that your account ties was terminated by calling up them after your card was declined why purchasing items at a store. That made me feel so low. I feel that Chase should called the number on file on XX/XX/XXXX to tell me. Not me finding out on XX/XX/XXXX at a store.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/XXXX I was sent a fraudulent card in the mail by JP Morgan Chase. I called them immediately about the card and it was said to have been marked fraudulent and I was able to place a fraud alert on my credit. I had another incident where someone tried to apply for a card under my name and when I went to file for a police report and called Chase to get information about the fraud card, it was never marked fraudulent so that I could get the hard inquiry off of my credit report. I now have a credit freeze on my credit because of both incidents ( other incident occurred with XXXX XXXX card on XX/XX/XXXX. An application was opened under my name and XXXX called me about the fraudulent application for their XXXX card. This was marked fraud and has been sent to the state police for a police report )
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A