Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is a charge I saw on my credits recently for back 1998 that I dont recognize. Its fraud. I dont know anything about the charge to my credit until now. This charge is very long time. Some one use my name and tried to ruin my credit. Also there is another charge for chase. I have financial agency to help me for the chase payment balance. I am paying the financial agency every month to pay off the balance. There also there is so many names on my credit. It should be XXXX XXXX XXXX. No wonder my credit not good. Someone tried to ruin my credit from 1998.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquirers on XX/XX/23 from JPMCB card services XX/XX/2XXXX XXXX XXXX XXXX Didnt inquire these myself. Someone else is doing it.
Company Response:
State: MI
Zip: 49444
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I communicated to Chase Bank N.A. directly and have been given multiple promises of communication within one to two business have weeks go by with answers. I first communicated with them on XX/XX/ and they have yet to respond. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Chase Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).
Company Response:
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: To Chase Bank Regarding Mortgage Account No. XXXX Property Address : XXXX We had requested a refund on a payment made to the principal of our Chase bank mortgage of {$1300.00} from a XXXX XXXX XXXXXXXX billpay sent on XXXX XX/XX/XXXX XXXX I had called Chase bank on XXXX XXXX to request the refund. Chase bank issued a letter to me on XXXX XXXX stating they had returned {$1300.00} to the bank that had sent the payment. As of XXXX XX/XX/XXXX XXXX I have not received the refund to the bank that sent the payment, ie : XXXX XXXX XXXXXXXX. I made several phone calls to Chase mortgage escalations and was on 3-way calls with XXXX XXXX XXXXXXXX bill pay and XXXX XXXX XXXX to locate the lost funds. But the funds still have not been located. This letter is to request that Chase Bank issue a check to me at the property address above for the amount of {$1300.00} that was never received. History of phonecalls made to Chase and XXXX XXXX XXXX XXXX XX/XX/ I called Chase Mortgage customer service to let them know that the {$1300.00} Chase was supposed to have refunded was never received. Chase customer service agent did some investigation and informed me that the funds was returned to the bank that sent the payment and it was a 3rd party called XXXX. We got on a 3 way call with XXXX and they confirmed they did not see the funds anywhere in their transaction history. Then we got on a 3 way call with XXXX XXXX XXXX, and they confirmed they also do not see the funds from Chase anywhere in their transaction history. I requested for a formal investigation by Chase and was referred to a Chase Escalations agent ( called XXXX ). The agent said she would call back on XXXX XXXX after more than 10 business days had elapsed from the XXXX XXXX letter Chase had sent stating the funds had been refunded. I was on the phone for 2 hr and 6 mins. XXXX XX/XX/ XXXX XXXXXXXX from Chase bank did not call me. So I called Chase at XXXX ext XXXX and spoke with XXXX. XXXX agreed to open a formal investigation and assigned a case no. XXXX I was on the phone for 11 mins. XXXX XX/XX/ Chase Escalations agent XXXX called me to let me know the {$1300.00} was sent back to a 3rd party called XXXX. She asked me to call XXXX, whereby I informed XXXX from Chase that i and a Chase customer service agent had been on a XXXX way call on XXXX XXXX, and XXXX verified they did not receive those funds nor transfer those funds to XXXX XXXX XXXX. XXXX from Chase agreed to do further investigation and call me back on XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX from Chase did not call me. So I called Chase and spoke to a Chase Escalations manager XXXX. I and XXXX got on a 3 way call with XXXX where they confirmed they did not have access to XXXX XXXX XXXX accounts and transferred us to XXXX XXXX XXXX XXXX XXXX. XXXX informed the XXXX XXXX XXXXXXXX XXXX XXXX agent that we were trying to locate the bulk wire sent by Chase on XXXX XXXX of {$4300.00}, of which {$1300.00} was supposed to be routed to my XXXX XXXX XXXXXXXX checking account. XXXX XXXX XXXXXXXX confirmed they do not see the refund in my checking account, and agreed to provide XXXX information to their investigation team to locate the bulk wire. The XXXX XXXX XXXXXXXX agent asked for the bulk wire batch number but XXXX did not have that information. XXXX asked me to email Chase Mortgage escalations at XXXX with my XXXX XXXX XXXXXXXX account statements to demonstrate I had not received the {$1300.00} refund. I sent that email as requested. XXXX and I agreed to wait for XXXX XXXX XXXXXXXX to try to locate the bulk wire, and that Chase bank would call me before XXXX XXXX to follow-up. I was on the phone for 58 mins. XXXX XX/XX/XXXX XXXX Chase Escalations Manager XXXX called me to follow up on the case. I confirmed that XXXX XXXX XXXXXXXX indicated they needed more information to locate the bulk wire that was sent by Chase on XXXX XXXX. XXXX and XXXX got a 3-way call with XXXX XXXX XXXXXXXX XXXX and they asked for a wire batch number to track down the bulk wire of {$4300.00}, of which {$1300.00} was supposed to be sent to my XXXX XXXX XXXXXXXX checking account. Chase Bank could not provide a wire batch number, but instead provided an XXXX number XXXX to XXXX XXXX XXXXXXXX XXXX XXXX agent who said they will pass on the information to their investigation team. The XXXX XXXX XXXX case no. is XXXX. XXXX XXXX XXXXXXXX agent XXXX said it should take up to 5 business days to investigate. I asked XXXX to escalate the Chase investigation to her supervisor and confirm that the bulk wire sent by Chase had the right information to route the {$1300.00} to my XXXX XXXX XXXXXXXX account. I was on the phone for 1 hr and 15 mins. XXXX XX/XX/ I sent a message through Chase secure message center to ask for the bulk wire batch number. A reply was sent by XXXX stating that Chase issued a payment refund to their bill payment servicer XXXX and I need to call XXXX to provide my XXXX XXXX XXXXXXXX account number. She provided the number XXXX to call. XXXX XX/XX/ I called XXXX and the representative refused to acknowledge if this was the phone line to XXXX. When I told her this was for a wire trace for funds sent from Chase to XXXX XXXX XXXX she transferred me to the XXXX XXXX XXXX bill pay line. After I realized i had been transferred to XXXX XXXX XXXXXXXX bill pay, I hung up the phone since the previous days call had already been to that location.
Company Response:
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the accuracy of information on my credit report, specifically related to the following accounts : JPMCB AUTO XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I emphasize that I was the victim of inaccurate reporting, and it is perplexing why your bureau is not complying with the law. The Fair Credit Reporting Act ( FCRA ) mandates accurate and verifiable reporting, and other credit bureaus have recognized and rectified the errors.
Company Response:
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Now, New violations are being committed by the chase bank to cover up the previous violations of manipulating the credit card opening dates of the accounts ending in XXXX, and XXXX. And all of this just to cover up the violation of not issuing the corporate credit card. Refer to ( office of comptroller of currency case no XXXX ) and CFPB complaint no XXXX dated XX/XX/, and CFPB complaint no XXXX dated XX/XX/, ( Today 's date ). Chase bank charged interest on my credit card ending in XXXX, when I had 0.00 % APR promotional offer for 12 months on there. Chase bank went back in time 4 months to charge interest on these statements and reversed the XXXX $ interest charge on these statements. This is criminal. Account ending in XXXX was opened in around XXXX, XXXX. I would not have opened this account, if there was no 0.00 % APR for 12 months on there. I have been monitoring these statements for last 6 months. There was no interest on there. And now there is. That means chase bank also lied on the credit card application on line stating there is a 0.00 % APR for 12 months promotional offer. And now chase bank won't honor 0.00 % APR anymore. Chase bank is also stealing interest money by manipulating all these account opening date records. XXXX has all these records and won't take any action against chase bank. Moreover, " if anybody made a claim of discrimination, they need to prove their claim of discrimination, because my father is XXXX, my mother is XXXX, I look XXXX, and I am from XXXX originally, which is an oriental country. ''
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: Before I retired from XXXX in XXXX, I paid for a trip with XXXX on my Chase card. It was {$2700.00}. Then in XXXX I purchased another trip for {$990.00}. The company went bankrupt in XXXX. I had paid extra for insurance but the insurance company had pulled out in XXXX, which I didnt know. Chase would not refund my money because it had been more than 538 days since I paid for the trip. But it had only been a week since they had gone bankrupt that I contacted them. How was I to know they were going to go under and Id lose my {$4000.00}?!
Company Response:
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, my Chase account was unexpectedly closed. The day I attempted to log into the Chase app, I encountered a message stating that my account had suspicious activity and was inaccessible. Subsequently, I contacted Chase customer service to seek clarification and was informed that my account had indeed been closed. What is particularly concerning is the lack of prior notification from Chase about the impending closure. I only received the notification letter several days after my account had been entirely closed. Despite my consistent attempts to contact customer service for clarificationmy sole avenue of communication with ChaseI have encountered persistent silence and lack of responsiveness from various departments. I have made numerous calls and inquiries seeking information about the closure and the exact timeline for the return of my funds, but to no avail. I am very concerned about the status of the remaining funds in my Chase account, as I have around {$3000.00} got frozen by Chase. Regrettably, Chase specialists have been unforthcoming in providing any details about the closure, leaving me in the dark despite my persistent efforts to resolve the issue. I am left without any insight into the circumstances surrounding the closure of my account. The CFPB 's assistance in addressing this matter promptly would be greatly appreciated.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem adding money
Subissue:
Consumer Complaint: Urgent Assistance Request Account Restriction and Negative Balance Dear CFPB I hope this message finds you well. I am writing to seek urgent assistance regarding a distressing situation with my Chase Bank accounts. Overview of the Situation : On XX/XX/XXXX, my checking account was unexpectedly restricted and slated for permanent closure within XXXX business days, citing multiple claims being filed in a short period. Despite all claims being in my favor ( with supporting letters ), my account remains restricted. During this period, I was unable to access both my checking and self-directed brokerage accounts, causing significant distress. Account Restriction Details : Despite numerous calls and branch visits ( approximately XXXX calls and XXXX branch visits ), I couldn't obtain a clear explanation or resolution. XXXX weeks later, I regained access, but my checking account had a negative balance. Although I possess sufficient liquidated funds in my brokerage account, attempts to transfer and resolve the negative balance on the overdrawn account were declined ( i have proof of the regected deposit ). Financial Impact and Credit Score : This situation is adversely affecting my financial stability and credit score. I urgently need your assistance in resolving this matter to prevent further harm. Requested Actions : Investigate the circumstances leading to the account restriction. *Facilitate the resolution of the negative balance using available funds in my brokerage account. *Provide guidance on ensuring my checking account remains open until the balance is satisfied. *Enable the transfer of funds from my brokerage account to an external bank account. Documentation : I am willing to provide all relevant documentation, including claim letters, account statements, and any other necessary information. I appreciate your prompt attention to this matter. The sudden loss of access to my funds has created severe financial challenges, and I am hopeful for a swift resolution.Thank you for your assistance. God bless.
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A