Date Received: 2023-05-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: JPMCB AUTO FINANCE ... I Never contact with them they put hard enquiry on my report XX/XX/2022 FOR CAR LOAN ENQUIRY
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I applied for a Chase Marriott XXXX XXXX credit card on XX/XX/XXXX and was denied due to them saying I have " too many open accounts '' and now have a negative mark on my credit report. The representative XXXX on the line said it was due to their " XX/XX/XXXX rule '' and was not denied for other reasons as I have near perfect credit and a high income so I am a safe bet for lenders. She said that I can keep applying for other Chase cards but they will all be denied. How can consumers know what cards they are eligible to apply for and not eligible due to this " rule '' for if Chase does not publicly share this info before applying? I had no idea about this rule as it was not publicly posted anywhere around the card details at all and which cards. This feels like a deceptive practice by Chase in order to attain more applications and withholding from the public this arbitrary rule.
Company Response:
State: IN
Zip: 46321
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I initiated a deposit for {$4000.00} on XX/XX/XXXX using the mobile application but their application stated it was too much for the deposit through the application. I then when to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CO XXXX and deposited the check with XXXX, the branch manager. I let him know that I was depositing this check because it hadn't accepted the check. He took the check and deposited but It was never credited on XX/XX/XXXX. When I receive an email on XXXX stating my {$4000.00} dollar deposit was reversed, stating it was a duplicate deposit but on my XX/XX/2023 Chase Bank statement, it only shows my original electronic deposit completed on XX/XX/XXXX. When I called the customer service stated it was cashed at a different financial institution but when I called my XXXX XXXX where the check was written, it was only chased on the original date of XX/XX/XXXX and processed on XX/XX/XXXX. The last printout of Chase I requested showing my transaction history only shows the one time deposit but at the bottom of the Chase statement, it shows that on XX/XX/XXXX, it states the check was deposited at Chase on XX/XX/XXXX but again, never credit. The funds have been removed from my XXXX XXXX account and I was credited the {$4000.00} once then removed on XX/XX/XXXX from Chase. Chase has not done the proper research to show the check was credit twice. Yes, it was deposited twice but credit was only given once and withdrawn once on XX/XX/XXXX which leaves my credit of XXXX. I provided them bank statements and printouts from my XXXX XXXX showing it was withdrawn only once but they're refusing to credit my any {$4000.00} on my Chase Checking account. I'd like to receive my {$4000.00} in my checking account.
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I got an email saying my wife and I needed to sign some documents. When I called to see what it was about they said my wife ( whos been with chase for years ) was not a citizen of the US and she had to come prove it. So she did. Then, they said I had to come sign something as well. I did. They day I did they froze my account. I went to the branch of Chase bank where I set up the account, where after a couple hours, XXXX said he couldnt figure out what was happening, but not to worry, I could leave and he would call me by XXXX. He never did. The next day I went back to the bank and spoke with XXXX XXXX XXXX. She was very apologetic, but could offer no solution, and said to leave and she would call me when her business banker XXXX XXXX, was available. XXXX was the one who set up our business account originally and messed it up dismally in the beginning. She pretended not to be available and had XXXX call me back and direct me to go to a different branch on the other side of town and speak with XXXX XXXX, who had the solution. XXXX said if we went there, the problem would be resolved. Keep in mind my wife and I are running a start up business that takes a lot of time to operate. So, we both dropped what we were doing and drove to this other branch. We spent a few hours there with no solution once again. Meanwhile customers are unable to pay me and Im unable to access my business funds. So then comes Monday ( today ). I had several clients and meetings until XXXX XXXX when I finally made it back to Chase on XXXX, my home branch. I was told to wait in the lobby ( another hour gone ) until after consulting with XXXX XXXX right in front of me, XXXX came over and told me to go back to the other branch so I didnt have to wait At this same time my phone rang, and it was XXXX XXXX XXXX saying he may have a solution, but that my wife and I needed to be there together again. So, ad it stands, we have another appointment in an hour ( XXXX ), meaning this is the 3rd entire day weve wasted on this problem.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
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: Chase Sapphire card ending in XXXX. Made a Chase XXXX reservation of {$50.00} in XX/XX/XXXX, reservation code XXXX, used Chase card ending XXXX for payment. Closed the Chase card used in this reservation in XX/XX/XXXX Travel reservation was cancelled for a full refund in XX/XX/XXXX, and the amount {$50.00} was refunded to card. I asked Chase customer service what will happen since the refund went to a closed card and was told I should get a check refund in 3 months ( XX/XX/XXXX ). We are in XX/XX/XXXX, and there is no sign of the {$50.00} refund. I contacted Chase, spoke with a manager, and she does not see the refund. I contacted Chase XXXX, spoke with a supervisor, and he confirms the {$50.00} refund was issued back to card used for payment ( ending in XXXX ). Nobody knows where my refund of {$50.00} is. Where is it, who is holding it and not contacting me to refund?
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was made aware of fraudulent activity on my credit card by Chase Bank on XX/XX/XXXX. At that time, I was told that the account would be closed and a new card would be sent to me in the 5-7 days. I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to inquire about receiving the new card, and my inability to log on to my account any longer to pay my bill. I spent a total of 222 minutes on the phone with Chase because I was concerned about paying my bill so that my credit would not be affected and the fact that I had not received a replacement card. At that time I was told that there had been a " glitch '' in the system and every time a card was issued to me it was immediately flagged as stolen and therefore not sent. Several people tried to re-establish my online account without success. I never received the statement for XXXX charges after repeated requests and multiple switching between departments. I finally received a new card on XX/XX/XXXX. By this time I had already obtained a card with another company. I called to confirm the card and to request to be able to see my account online so that I could pay my outstanding balance because I did not want to adversely affect my credit. At that time, I was told by two customer services reps that my card was good to go and by two others that the card was listed as stolen. I was finally sent to the fraud department who had no answer for me. I have never used the card, it has stayed in the file in my desk since I received it. Again I tried to obtain a list of charges from XXXX so that I could pay the balance on my card. I called XX/XX/XXXX ( 119 minutes ), XX/XX/XXXX ( XXXX calls- transferred between departments 8 times, put on an hour + hold twice, hung up on - spent total of 283 minutes on the phone ), XX/XX/XXXX ( repeatedly transferred between departments again for total of 80 minutes on the phone with no answer ), XX/XX/XXXX ( called 3 times and was disconnected - total phone time 15 minutes ). In response to my phone calls, I was sent copies of statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all which had been paid in full. None of the statements covered the period I was requesting... for the charges made between XX/XX/XXXX and XX/XX/XXXX - my normal billing cycle. Since I had been unable to receive an answer from Chase, I file my initial complaint with CFPB on XX/XX/XXXX. At the same time I made a {$4000.00} payment to Chase which was collected on XX/XX/XXXX, since I have been worried about adversely affecting my credit. I have never denied owing the company money. In fact, I have been trying to pay what I owe since XXXX. However, I would like to see the charges associated with the {$4800.00} balance they claim that I owe from XXXX to ensure that there are no other fraudulent charges. The only statements that I have received list the fraudulent charges from XXXX four times and a total owed of {$4800.00} or a letter that the statement is unavailable. As a result of my complaint, I heard from Chase executive offices on XX/XX/XXXX. They too sent me copies of statements from XXXX, XXXX, XXXX and XX/XX/XXXX that had already been paid in full, and then statements for the new year which only have a total and a list of the fraudulent charges. I requested on multiple occasions for the charges on the account from XX/XX/XXXX through XX/XX/XXXX that would comprise the total of {$4800.00}. I called Chase customer service and Executive offices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, requesting the information again or responding to customer service because I had not made a payment... which customer service was unaware that I was working with the Executive Office. After finally receiving the last batch of statements which did not include what I had requested ( charges for XX/XX/XXXX through XX/XX/XXXX ), I called the executive office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The final conversation with this office was that I needed to contact the fraud department because they did not have what I was requesting... essentially sending me back to the beginning where I started in XXXX. I have no problem paying Chase what I legitimately owe them. However they need to provide the charges for which they are asking me to pay. I would like to be able to review the charges to ensure that there is not any other fraudulent activity reflected. I have made a good faith payment to the company, and they have not reciprocated that good faith by providing what I am requesting... essentially expecting me to pay for charges that they are unable to substantiate. I have spent over 10 hours on the phone trying to contact this company to make a simple request so that I might be able to pay what I owe and then close my account and not do business with them any longer.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Unauthorized atm withdrawals, refuse to pay back unauthorized merchant transactions, returned pension funds for insufficient check service, closed account before promise to pay on check hold that was verified by issuing bank, theft of check made payable to account holder, refuse to cash pension fund checks from XXXX XXXX XXXX gave me false information regarding account balance and refused to return endorsed checks payable resulting in threats of fraud made to Dept of Financial and Professional Regulations
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I received a call from XXXX, I XXXX the number and saw that it was a call from Chase Bank Customer Service. I answered the call and the person on the phone informed me that there was a fraud attempt on my account. She knew my name address and the email associated with my bank account. She told me that she was going to turn on the fraud alerts to my account and that it isn't a real charge but it was only to test out if the alerts were working. Almost instantly I received a text from the official Chase bank number notifying me of a fraud alert she told me to reply yes since it was a fake one just to make sure it worked. To which I did. She then told me to turn on my notifications for email and sure enough I received a real email from chase bank on time to which she told me to respond to yes to turn on the fraud alerts. She informed me that I would not have access to my online bank due to security reasons. Which checked out. A week later I received the same call with the same process apologizing for the delay as they were trying to secure my account. I did not provide any personal information to this person but she was able to transfer money from my savings account into my checking account and used XXXX XXXX to steal all the money in my account. My bank failed to notify me that someone from an unrecognized device managed to get into my account and change the password to my bank account. Normally I would receive a notification of both instances. My bank has since then denied my fraud claim and the appeal I submitted.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: I received a message from the bank that I added a person to my contact from XXXX. Later I called the bank to figure out how the contact was added, and they told me that there was no contact added. Then 2 hours later that same contact took money out of my bank account. Then in the same moment as money was being withdrawn from my account I called the back and told them to block the account. The bank blocked the account after the 9th transfer but only cancelled 2 of them. They later told me that I was the one who made the transfer and refused to give me back my money. This happened on XX/XX/XXXX of XXXX for the amount of {XXXX} and the withdrawals were {XXXX} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {XXXX}
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A