Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text message saying there was fraud detected on my account. I replied with " no '' basically saying it was fraud that I didn't try to make that transaction. Then I received a call from what was a spoofed number. It was the customer service number on the back of my chase card. They knew my name, and were able to send me one time pass codes whenever I asked for proof. So I followed the steps they told me. They told me to attempt to send a wire transfer of {$7900.00}, and that it would fail. It was just to confirm that my accounts had been blocked. It went through, by the time I was able to call my actual bank. ( Jp Morgan ) they said it had processed already. They're attempting a recall, but they don't think I'll be able to get my funds back. I think its enough proof that I put the memo of the transfer as " refund '' or so to show that I believed I'd be getting my money back. They asked for basically similar questions as the bank for the verification process. Such as account number, date of birth, adress, last 4 of social, etc. This happened on XX/XX/2023. I also called my bank on XX/XX/2023. The bank it was sent to was called XXXX XXXX. It said the adress was in Florida, and that the money was being sent to a XXXX XXXX. The caller said I needed to put it under that name to basically make it easier to track.
Company Response:
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dispute transaction from XXXX XXXX in the amount of {$1000.00}. Dispute ID is XXXX for my card ending in XXXX, account holder my company XXXX XXXX XXXX Chase blatantly refused to provide any documentation in support of its decision. I demand immediate reversal of the denial because my dispute falls squarely within the purview of what may be disputed.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My original complaint is below. I am starting a new complaint because I have the following response to Chase bank and the CFPB and the original complaint has been closed. The only statement the company has provided is we decided to close your account because of your connection to a publicly reported financial investigation. They now further elaborated that this is specifically related to my XXXX. A quick XXXX search revealed there is someone with the same first and last name as my XXXX, and I believe even the same birthday, who lives just XXXX of us, and has been indicted and sent to prison for mortgage fraud. My XXXX is not in prison and has not been indicted for mortgage fraud. Could this be the reason they have decided to discriminate against my XXXX? Original Complaint : My XXXX and I recently opened a Chase XXXX account using my XXXXs birthday money so that we could fund XXXX XXXX XXXX cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my XXXX XXXX XXXXXXXX XXXX cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX around XXXX ESt, I checked my online bank and saw {$3000.00} was taking away from my chase checking account. It is a joint account with my husband. But neither me or my husband made this transaction. I immediately reported this fraud to Chase and asked them to put a restriction on this account. The claim number is XXXX. At that time, Chase could not tell us what kind of transactions it should be. XX/XX/XXXX morning, I checked the online banking and it seemed someone went to one of Chase local branches and made a withdrawal in person with my identify. I called Chase again, and they informed the activity was taken place at their XXXX XXXX ( XXXX, NY ) branch. So, I went to our local police station and tried to file a police report. But the police station informed me that I have to go to Chase to get a bank letter and also get it notarized. Then I went to the Chase XXXX XXXX XXXX branch ( the money was withdrawn at this branch ) and reached out to their manager - XXXX XXXX. He provided the required letter - Unauthorized Signature or Forged Item Declaration. We also got it notarized. Finally, I went to the police station XXXX ( XXXX, XXXX, NY ) and filed the police report. The police report number is XXXX. On XX/XX/XXXX, I was told by Chase the decision should be made with 3 to 5 business days. I called Chase couple of times ; they always asked me to call later. Then, I called again on the 6th business day XX/XX/XXXX, Chase told me it is still pending, and asked me to call them on XX/XX/XXXX and I should know their decision. So today XX/XX/XXXX, I called Chase again, they asked me to call next week. I asked them what's happening, but they can not give me a solid answer about the process. Their supervisor now said the claim is up to 30 days. I don't think chase is making efforts to assist their customers to resolve the issue. I have been with chase for more than 10 years. {$3000.00} is a big amount for an individual like me, a normal working woman, I do need the money to pay my bill, support my family. But chase just does not care.
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, my wallet was stolen as a result of my car window being smashed. I reported my cards as stolen to Chase and canceled my debit and credit cards. I reported it to the police immediately and filed a police report On XX/XX/XXXX, I went to use my debit card and it was declined. I went onto the Chase app and I had negative funds and my account was frozen. Confident that I was not the cause of an overdrawn account, I called Chase to clarify. On XX/XX/XXXX, a check was deposited into my account for {$3800.00}. I did not deposit this check, nor do I know the owner of the check. Then that same day at the XXXX XXXX XXXX Chase branch in XXXX, WI, someone withdrew {$2500.00} out of my account. I am assuming they used my ID as it was in the stolen wallet. The person forged my name and signature on a withdrawal slip. This was all allowed to happen even though I had reported my cards as stolen. A canceled debit card was used at the time of withdrawal. On XX/XX/XXXX, I went into the XXXX XXXX XXXX, WI Chase branch to take care of this situation. I provided them with a police report and a fraud claim was filed. On XX/XX/XXXX, I opened a new Chase account at the XXXX XXXX XXXX, IL branch. The banker also indicated that all my auto pays would directly default to my new account for one month. At the time of opening my new account, I had no funds because they were stolen from me so I had no money to go into the new account until my fraud claim was settled. On XX/XX/XXXX, I was informed that my new Chase account was now frozen because some of my auto pays tried to charge my account but as stated above, I had no funds because XXXX they were stolen from me and 2. I was told not to worry about my auto pays because they would be covered by the new account ( which had no money in it ). I returned to the XXXX XXXX XXXX branch on XX/XX/XXXX to resolve the issue. At this time, I was told that Chase Fraud never received my police report and so no progress had been made by the fraud dept. The very helpful branch manager called to try and resolve the situation but the Chase phone operators told them that my new account is locked and will remain locked because of insufficient funds ( again I have no ability to put in funds because of the fraud claim ). Chase also told me I would have to open a THIRD account because my original account and new account were compromised. To this date, XX/XX/2023 I have waited 10 days for Chase settle my fraud claim and return my money. I have also been locked out of my bank account since XX/XX/XXXX. In this situation, I feel that I did everything right. I immediately reported my cards as stolen and canceled all cards. Chase allowed someone to make very large withdrawals, two hours away from my home using a debit card that was reported as stolen. I have spent countless hours trying to resolve this issue and I still remain without my hard earned money.
Company Response:
State: WI
Zip: 53143
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are trying to get a partial land release from chase bank we sent them payment and appraisal fees 3 months ago, we have missed 3 closing dates and they are very vague in responses to us we cant get anything resolved. We have sent them all they asked for twice and they still want to say we are incomplete yet they wont explain why. This is very frustrating we need to resolve this issue ASAP it has been a great burden to deal with these people.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX, I went to my local Chase Bank to open a First Checking account for my son. The gentleman told me I needed to open the account online, which I proceeded to do while in his office. He told me that the opening deposit had to be a transfer from my account into my sons, but that going forward my son could deposit funds at a chase location. I tried to fund the account online while at the location, but it told me there were issues and to try later, I told the gentleman, and he told me there must be an issue with their system. I tried to fund the account on Sunday, only to be unsuccessful. I called Chase and was told that I was the only one who could fund my child 's account and since there were technical difficulties all they could do was issue me a ticket number to have the issue resolved. So, because they had IT issues, there was no way for them to even make the transfer for me to fund the account. NO ONE can add funds to the account except me ONLINE. They told me it would be resolved within 48 hours. They also told me that I was incorrectly informed at the chase location and that the only way to EVER fund the account was through a transfer. FIVE days later, I still can not put funds in the First Checking for my son. I have received the debit card, but my child can't use it because of the internal issues with the account. I called and checked on my ticket today and was told it was still open and that someone should call me soon. It's pretty deceptive to advertise an account on their website that can't be funded and knowingly has internal issues.
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, Transition ) and provided them with valid proof of police reports, not 1 but 2 police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, XXXX ) and provided them with valid proof of police reports, not XXXX but XXXX police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A