Date Received: 2023-05-29
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Account was compromised and have been a victim of fraud one of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Request for Reconsideration of Late Payments Reporting on Credit Report Dear JPMCB AUTO, I hope this letter finds you well. I am writing to you with regards to the late payments that have been reported on my credit report by your company. I kindly request your reconsideration of these late payments and ask for your understanding of the extenuating circumstances that led to these unfortunate events. I have been a loyal customer of JPMCB AUTO ( Account # : XXXX ) for several years and have always made my payments on time. However, due to a series of unforeseen and overwhelming circumstances, I experienced significant hardships that affected my ability to meet my financial obligations. In 2021, I contracted XXXX and, unfortunately, it resulted in severe complications that required hospitalization. The physical and emotional toll of battling the virus, combined with the lengthy recovery period, made it impossible for me to maintain my job during that time. Losing my source of income added an enormous financial burden to my already difficult situation. To make matters worse, I tragically lost my beloved dog during this period. The combination of physical, emotional, and financial stress took a toll on me, and I deeply regret that I was unable to provide proper care for my pet while I was in the hospital. This heartbreaking experience only added to the overwhelming circumstances I was already facing. I am aware that the CARES Act was implemented to provide assistance and relief to individuals who have been adversely affected by the COVID-19 pandemic. As someone who genuinely experienced the hardships that the act seeks to address, I kindly request your consideration and assistance in rectifying the negative impact on my credit history. I understand that your company has policies in place to protect its interests and the interests of its clients. However, I firmly believe that my situation warrants special consideration due to the exceptional circumstances I faced during that period. I sincerely apologize for any inconvenience caused and assure you that it was entirely beyond my control. I humbly request that JPMCB AUTO review my account and update the late payments on my credit report to reflect " paid as agreed. '' This adjustment would provide much-needed relief and enable me to rebuild my financial stability, which has been severely affected by the aforementioned circumstances. I have attached supporting documentation, including medical records, termination notice from my employer, and any other relevant documentation, as evidence of the challenges I faced during that time. I hope that these materials will help you understand the seriousness of the situation and provide the basis for reconsideration. I genuinely value my relationship with JPMCB AUTO, and I am hopeful that you will give my request the attention it deserves. I am committed to restoring my financial stability and rebuilding my creditworthiness, and your understanding and cooperation in this matter would greatly assist me in achieving that goal. I kindly request a written response regarding the outcome of my request. You can reach me at the provided contact information if you require any further details or if there are any additional documents I can provide to support my case. Thank you for your time and attention to this matter. I appreciate your understanding and look forward to a positive resolution. Sincerely, XXXX XXXX
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: {$4100.00} called and disputed they will not take off my credit report
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I use XXXX sometimes to make payments to vendors.. I have been using XXXX for YEARS with my Chase credit card and it has never been a problem. All of a sudden Chase started not only charging me an interest on a cash advance which WAS NOT a cash advance but they also started charging {$5.00} transcation fee for each charge when I used XXXX XXXX. All this started in XXXX! I called Chase and asked for them to take them off because I was unaware and I can PROVE where I been using XXXX for 2 years with them and they just NOW started charging these fees without letting me know or making me aware! These fees are unauthorized being they did not make me aware! It also should be illegal they charge me a cash advance and a transaction fee when I was making payments to vendors, not taking out cash or going to a atm. It also should be illegal to charge me a {$5.00} transaction fee and a cash advance fee for sending {$3.00} payment to a vendor! This should be against the law and my next step is getting a lawyer. I was not aware and Chase could have worked with me but instead they just argued when I called them and said they cant take off transaction fees. I will be closing out my card at the end of summer and opening a new one with a different bank! I have had this credit card since XXXX. I have attached my credit statements to show how Chase just started charging these fees out of no where without any explanation! You can see in XXXX they don't charge cash advance fees or transaction fees but in XXXX and XXXX Chase decided to to just start charging fees without my knowledge. This should be illegal!!!
Company Response:
State: IN
Zip: 47714
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX, I have multiple accounts with Chase bank. I was on a business trip to XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX my wallet, keys, phone, ID, SS Card, and other items were stolen. I filed a police report, # XXXX. I contacted Chase bank about the incident and they advised that multiple charges were in pending state in amounts of {$5100.00}. I advised them to lock the card it and those charges were not me. The chase specialist advised that she can not do anything until the amount post. I was so upset because the amounts were draining the account. I would have to wait till the following day to do anything. I called the following day because at that time now it had posted to the account ( Following Chase instructions given ) I made the claim and advised them that once I receive a copy of the police report I will provided it to Chase via chase secured message center. I also Fax the report from a chase branch due to Chase not able to receive it. After a single day went by ( XXXX day ) I received a message advising that they denied my claim and that the charges were found to be me. Absolutely Insane. Then at that time I called chase and asked how can this be determined, they advised that they used information gathered in XXXX day. I requested the documents used in verbal and in writing and yet still nothing is received from Chase. a total of about XXXX XXXX was taken and chase allowed this to happen. No one has given me a call and no one is willing to help, I am a private client and XXXX member with chase
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I received a text message from Chase Bank XXXX XXXX " Chase Fraud : We declined {$140.00} with card ending XXXX at XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. Msg & data rates may apply. XXXX XXXX I replied : " No '' XXXX XXXX Chase auto-reply : " Chase Fraud : your alert has expired. '' After checking my account statement after this initial incident, I checked our bank account activity to find 13 fraudulent transactions completed on XX/XX/2023 that were not made by either my husband or I ( we are both account holders on the account ). We immediately contacted the Chase fraud department to file a claim on the charges. After going line by line with the associate of all transactions to advise which are fraudulent, we were told the charges would be cleared or within 12 hours of them posting we would be credited for the amounts as well as a new debit card will be sent to us. The chargers were as follows : XXXX XXXX XXXX XXXX XXXX LA - {$0.00} PYMT SENT XXXX XXXX XXXX TX - {$2000.00} PYMT SENT XXXX XXXX XXXX TX - {$900.00} POS DEBIT TRANSACTION XXXX XXXX - {$850.00} XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX - {$850.00} XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX CA XXXX {$14.00} XX/XX/2023 XXXX XXXX My husband contacted Chase Bank for the status as nothing has changed on our online activity log. He was told that there was no record of a fraud claim being created and the debit card that was used was still in service and was not de-activated. At this time there was only four of the transitions were left on the account and the others had been completely removed The four transactions were : XXXX SENT XXXX XXXX XXXX TX - {$2000.00} PYMT SENT XXXX XXXX XXXX TX - {$900.00} POS DEBIT XXXX XXXX XXXX XXXX XXXX NY - {$1600.00} POS DEBIT XXXX FEE XXXX CA - {$14.00} My husband worked with a different agent of Chase to redo the line-by-line transaction, who created a new claim and attempt to cancel the card for a 3rd time. XX/XX/2023 XXXX XXXX We enter a Chase branch in XXXX, Virginia to withdraw what money we have left in the account to prevent further losses. The branch associates worked with us to review the transactions and contacted the fraud department directly on our behalf. The in-branch agent and online agent went through the charges again. At this time the associate from this branch informed us that they could see that there were more chargers attempted on the card but they did not process them since the card had been canceled and we will not ever see them. The associate said that the account should be credited within twelve hours. On XX/XX/2023 Chase notified us via a letter posted to our online account that Chase would not credit our account for the four transaction PYMT SENT XXXX XXXX XXXX TX - {$2000.00} PYMT SENT XXXX XXXX XXXX TX - {$900.00} POS DEBIT XXXX XXXX XXXX XXXX XXXX NY - {$1600.00} POS DEBIT XXXX XXXX XXXX CA XXXX {$14.00} The letter stated : " We found that the transaction ( s ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time ''
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX. U {$500.00} was withdrawn from my Chase Bank checking account through XXXX by the hackers on XX/XX/2023. XXXX. I reported to the Bank about the incident, but the bank denied my claim. The reason of denial is that the fraudulent transaction was done by my computer. XXXX. However, I had to talk with XXXX to return the non-working ink-sets while opening the XXXX website through my computer. XXXX. This is not my fault but the online banking security problem between the XXXX and XXXX. I can provide more detailed evidence to you if you ask.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX of XXXX, J.P. Morgan Chase bank reported my account as 60 days late, then on XXXX of XXXX it is being reported as 30 days late then the following month on XXXX of XXXX it is being as 90 days late leading to a charge off in XXXX of XXXX immediately after that in XXXX XXXX XXXX of XXXX there is no data available until XX/XX/XXXX which was displayed as a balance update and a Charge off again which negatively impacted my payment history, the data of this account is being incorrectly reported.
Company Response:
State: LA
Zip: 71446
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: An individual unknown to us obtained check # XXXX in the U.S. Mail and forged the payee name on the check to themselves, forged the signature and got paid from JP Morgan Chase on XXXX separate instances with the same check : once on XX/XX/2022 ( {$12000.00} ) and again on XX/XX/2022 ( {$12000.00} ) for a total of {$25000.00}. We discovered the fraud on XX/XX/2022 when we received our bank statement in the mail and reported it to Chase immediately by phone and in person at our local branch. We were instructed to obtain a police report and the claim was submitted to the bank 's fraud department. Chase returned to us the money that was taken on XX/XX/2022 but denied returning the money taken in XXXX, citing their policy that such claims must be made within 30 days of discovery of the fraud. We didn't discover the fraud until XXXX. As we receive our bank statements in the mail, we evidently did not receive the XXXX statement as it was probably lost in the mail. Had we received the statement we would of course would have reported this theft as we did in XXXX. We filed complaints with the executive offices at Chase and they denied returning the first {$12000.00} even though they paid out on the same exact check, on XXXX different occasions, even with the same check number.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and somewhere near XX/XX/2021, someone opened a credit card with Chase under my name. I tried calling the company around the end of XXXX of this year, but the automated robot wouldnt get me through to customer support. I cant make an online account because I dont know the cards info, so I had no way to reach them.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A