Date Received: 2023-05-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I ( merchant ) used the Chase quick accept tool to accept 5 {$100.00} visa prepaid cards. J.P. Morgan uses we pay to facilitate the transactions. It says in the documentation that I should receive the funds the same business day however that didnt happen. I called the next day to ask for a status and they said that sometimes it can take up to 5 days if they investigate. On my chase app the charge showed as Completed. A few days later i was told that my merchant account is closed and they are holding the funds And will POSSIBLY release them in 120 days. They will not give any explanation. I went to my local chase branch and spoke to my banker and they wouldnt provide him with any information either. So now chase is holding the funds minus the service fee for 120 days or forever. I have never heard of such a thing. I registered the gift cards online when i received them and they cleared without issue. They offer me the ability to refund the payee and I request that and this was the email. Thank you for the response and feedback. We apologize for the inconvenience, but we're no longer able to process payments for your account. We're held to strict guidelines on what we can and can not process through our site. After a standard review of your account, our Trust and Safety team has determined that we will not be able to provide you with our services. All information regarding our review process is proprietary, so no additional information is available in these instances. We apologize for any inconvenience this may have caused. You may appeal this decision at any time by sending an email to XXXX. More about Merchant Appeals can also be reviewed via our Knowledge Base article below : https : XXXX Please advise if you would like us to refund the payments back to the payers instead of waiting 120 days. We wish you the best moving forward. Kindest regards, Yes please refund the payers. XXXX XXXX XXXX XXXX XXXX, Thank you for your response. I have submitted your refund request to our Trust and Safety for further review. That review can take up to 5 full days to be completed. Should Trust and Safety need additional information from you, they will surely reach out directly via email. Once the review is completed, your refund requests will be processed. Please let us know if you have any further questions in the meantime. Thank you for your patience Kindest regards, Hello, Thank you for your patience in this matter. We apologize, however the funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from closure date. We sincerely apologize for the inconvenience this has caused. I have no access to the merchant services applications at all now. As a brand new business I dont have the extra money and cant loose {$500.00}. Now with that being gone the product that i purchased using the credit card can not be paid for in turn effecting my credit.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My statement closed on XX/XX/XXXX. I paid the balance of over $ XXXX off by XX/XX/XXXX. I noticed on my XXXX statement that I was charged {$58.00} in finance charges. I called in to ask about the fees and was told that finance charges accrue daily, which isnt fair when you pay a balance in full. I requested that the {$58.00} fee be waived as a courtesy which was declined. I asked to speak to a supervisor. I explained to the supervisor that wanted to see if the fee could be waived since I paid the balance full. I have been a cardholder since XXXX and have paid thousands of dollars in fees. The request was again declined. I dont understand how someone can be penalized for paying the balance in full. How does that help a good paying customer? I never have asked for fees waived or even called in. I dont think the request is unreasonable. When I asked to be further escalated, she stated there was no one else and hung up on me. I am looking to get the {$58.00} fee waived, which is a reasonable request.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A woman names XXXX XXXX my aunt who was only to hold onto the check because me and my family had lost her home living in the car and unfortunately she deposit the check and endorse it without me being aware and deposited a check made out to me XXXX XXXX from the lawsuit winning she endorsed my name on, and Chase bank allowed her to deposit the money to her account. She refuses to return the money I contacted the banks they told me to reach out to the writer of the check I reached out to a lawyer they have not responded. And it is a {$30000.00} deposit from XXXX law that.
Company Response:
State: CA
Zip: 93030
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: SUMMARY : wire transfer lost. Sending bank not cooperating with investigation. I have a personal checking account at CHASE. I also have a USD denominated savings account at XXXX in XXXX. On XXXX XXXX, XXXX, I created a wire template in my CHASE account to send money to the account at XXXX. I used this template to send money multiple times, and there was no problem until XX/XX/XXXX. On XX/XX/XXXX, I wired {$5000.00} using the same template. After a few days the web site of CHASE showed the status of transaction as " completed. '' However, the money did not appear in the receiving bank. On XX/XX/XXXX, I sent a " secure message '' to CHASE by using their messaging system. Their response message said that they were investigating it, I should wait 3-5 days. They also sent me a wire reference number and said that both sending and receiving banks could track the wire by that number. After waiting, I sent another message to CHASE to ask the status of their investigation. In response, they again said to wait 3-5 days. After repeating this 3 times, I went to the bank in XXXX to see if they could track the wire ( I am currently visiting relatives in XXXX, so I am physically there ). They said that they were not able to locate any incoming swift with the given reference number. In fact, the number did not even look like a swift number. In order to track the wire, they needed the XXXX dekont containing the reference number and other details of transaction. They said, it would also help if CHASE could provide a copy of confirmation of receipt. Since CHASE bank claims that the wire transfer has been completed, they must have a confirmation message about this particular transfer. XXXX needs a copy of this confirmation to be able to investigate what happened to the money. When I asked for the required documents, CHASE said, " Go to the nearest CHASE branch and ask them to give you the documents. '' When I said " I am in XXXX, there is no CHASE branch here, '' they say : " ... .You may try to contact any Chase branch, request if a banker can obtain the wire copy on your behalf and request for the banker to send it to you via email ( No guarantee as we do not know the policy of the branch ) .... '' Basically, they were saying branch may or may not cooperate. Then I sent another message to ask that they put copies of documents in the " downloads '' section of my account in their web site. Normally, this is where the bank puts documents that they want to send to clients. THEY DELETED MY MESSAGE so as to pretend I never sent that message. As far as I know, the person who deleted that message committed fraud. I couldn't delete that message even if I wanted to, because it is in the " Sent '' folder. I can delete messages in the " Inbox '' folder, not those in the " Sent '' folder. ( I have proof of the deleted message if the bank wants to investigate. ) I sent another message : " Please send it to me directly '' They repeated the above nonsense " ... .You may try to contact any Chase branch, request.... No guarantee .... '' After getting the same absurd answer each time, I have no alternative left. I have to ask for your help.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Walked into JPCHASE on XX/XX/22. A rep name XXXX XXXX of ( XXXX XXXX XXXX, XXXX, IL XXXX ) asked me to come in his office to see what HE can do for me. I explained how I was directed by XXXX XXXX to complete a form XXXX the lady advised me to go to Chase bank which was close to me to get the ( financial bank portion of the form filled out ) XXXX form from XXXX XXXX. He said, " this form must be new, I've never seen this one. '' He asked for my ID, which I complied, XXXX went on to say, what securities was I redeeming today? that's the only way I would be able to get a XXXX stamp from chase. I asked can I still get the authority stamp for the account verification, " he said, we CAN NOT help you '' I never got the stamp, left feeling very sad and underserved left and got something to eat and my chase account was denied. Went to get on the bus and my card didn't work. 1. I move in honor, never stolen, never compromised my bank account. Why would they close it. I have never breached my contract with CHASE BANK. ( truth in lending ) 2. I never made not one transaction in that bank, why would they cut off my card. 3. The representative need to be more educated in customer skills as well as financial banking. 4. Chase not to allow, one person to have a quick and authority closing of an account, without even consulting the person. When the person has made NOT one banking transaction. So COULD I HAVE BEEN PROFILED 5. Immediately reopen my bank account Fee Free. 6. Compensation for this major error that has caused enormous injury and an avalanche of emergencies to occur. I have attached a copy of the XXXX form, which I had. 16 CFR 433.1 ( g ) ( f ) 433.2, 433.3 If chase agree, we don't have to go any further, if chase disagree, here are my next steps : Send me a record of accounting for any and all bank accounts both public & private according to the stipulations of GAAP ( General accepted accounting principles ) Send me my original contract, application you know my security. gratitude
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I review my credit report daily. I checked my credit report with XXXX where I have a fraud alert placed on my file. I found an inquiry was accepted by XXXX from JP Morgan Chase. There was also a bank account opened in my name as a result of this transaction. The first name on this account was XXXX XXXX and obvious error in the misspelling of my first name. I have never applied for nor authorized my social security number nor personal information to be used by JP Morgan Chase. I called the bank phone number XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/XXXX and was transferred to a wrong department and this department then transferred me somewhere where I sat in silence for XXXX minutes. I could not speak to anyone who would help me resolve my issue.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I initiated a mortgage application process with Chase on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, everything moved smoothly. My credit was pulled and I submitted a large volume of personal documents, including two years of personal and business tax returns. I was told they were processing internally. Suddenly from XX/XX/XXXX, I stopped receiving responses from Chase. On XX/XX/XXXX, I finally received a response indicating because of health issues, they were transferring me to another broker. From that point, I have not received any response whatsoever, despite multiple calls, texts and emails from my side. I have tried contacting other team members of the mortgage broker 's team but have also not received any response. I'm concerned as they have hard pulled my credit and have a large volume of my personal information.
Company Response:
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone steal my credit card information to make online purchase and even steal store login information as below : Date : XX/XX/2023 at XXXX XXXX ET Online Store : XXXXXXXX XXXX XXXXXXXX Amount : {$130.00} I called card issuer to claim this purchase not made from me around XX/XX/XXXX at XXXXXXXX XXXX and issuer sent me a replacement credit card and research my fraud claim. I also got email from XXXX XXXX XXXX XXXXhat my order was on the way by XXXX at XX/XX/XXXX at XXXX XXXX. I chatted with XXXX XXXX XXXX late night to stop shipping this order coz I didn't make this purchase but it seems can't stop anything due to goods were processing. I got email today at XX/XX/XXXX at XXXX XXXX that order has been delivered!!! It's really made me upset.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A