Date Received: 2023-12-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened accounts, I try to access the account but it says unavailable. Then try to start new account. It then says you have an active account. With XXXX accounts, it was said I had suspicious activity.
Company Response:
State: AR
Zip: 71854
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I received a text at XXXX XXXX XXXX XXXX someone had withdrawn {$880.00} from my checking account at atm machine on XXXX XXXX XXXX XXXX XXXXXXXX. I had my debit card with me and went into my accounts and found that this criminal went into my branch and withdrew another {$4700.00}. dollars and {$4800.00} from my savings account. I immediately called the bank and was referred to the fraud department in XXXX XXXX XXXX and they had no clue how me and they did not understand that the money was gone and not pending, Then I filed 2 police reports and then I called the fraud department with the gentlemen XXXX XXXX, who argued with the fraud department and he had my debit card and saw for himself that I did not have my pin number written on my card. He destroyed my card because this man from fraud dept. " XXXX '' accused me after he did a " full investigation '' that I was the one who robbed myself and that any money temporairily returned to checking account was going to be taken back and nothing was replaced to my savings acct. I pay my mortgage with my checking and other bills and I have direct deposit from my employer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I could not reach the branch manager at all XXXX, as there is no voicemail or anyway to reach her. I called my congressman, THE OCC, SEC AND NYS financial banking services..
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 J.P. Morgan Chase Bank Card XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. I am opting out of your reporting services to XXXX, XXXX and XXXX. XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Attached is a detailed account of what happened and the letter addressed to Chase Bank : Dear XXXX XXXX : I am a Chase Bank customer. I recently fell victim to a fraudulent check scam because I relied on the representations of a Chase representative who told me the check had cleared and that I could use my account as usual, as well as on indications and notifications I received via my Chase app that the hold placed on my account after I deposited the check had been released. I made every effort to ensure the check was legitimate, including checking with Chase to confirm that the check had cleared and that the funds were in my account. After the check turned out nevertheless to be fraudulent, I have taken every step I could to rectify the situation, as described below. Despite my best efforts, I have been unable to get my funds back. I now demand that Chase remove the {$4200.00} overdraft from my account, reimburse me for the {$1200.00} I lost, and issue a fraud affidavit to me. I received the check in question from what I believed to be a magazine in New Jersey, which had contacted me through XXXX to hire me for freelance photography work. ( As a freelance photographer, I am frequently contacted for work through XXXX. ) The magazine instructed me to send a portion of the check, or {$5500.00}, via wire to an affiliated talent agency that was to provide models for the photo shoot. I did my due diligence to try to ensure the check was legitimate, including verifying that the magazine was real, that the person hiring me was on the masthead of the magazine, and the affiliated talent agency had a website with a domain that matched the email address of the person who contacted me. Only after verifying all that information did I then deposit the check into my Chase account, on Friday, XX/XX/2023. After I deposited the check, I noticed that a hold had been placed on my account. I assumed that this hold was because Chase was verifying the check. My freelance work is my only source of income, and I had only a little over {$1000.00} in my Chase account when I received the check ; it was therefore imperative for me to make sure that everything was legitimate before I moved forward with sending a wire transfer in the amount of {$5500.00}. On Monday, XX/XX/XXXX, I called Chase to verify that the check was legitimate and that the funds were in my Chase account. The Chase representative I spoke to on the phone assured me that the check had cleared and that the funds were in my account. I told the Chase representative that my account had been placed on hold and that I wanted to make sure that the check was legitimate and that the money was available before I proceeded. The Chase representative assured me that all this was correct and that I could use my account as usual. ( I believe Chase should have a recording of this phone conversation. ) I then prepared to conduct a wire transfer of the funds to the talent agency, per the terms of the freelance photography work I believed I had been hired to do. On Tuesday, XX/XX/XXXX, before completing the wire transfer and after being assured by the Chase representative that the check had cleared, that the funds were available, and that I could use my account as usual, I checked my Chase app, which indeed indicated that my account was no longer on hold and that the funds from the check were in my account. Relying on the Chase representatives assurances and the notices from the Chase app which told me that the hold had been released ( see attached screenshot notices dated XX/XX/XXXX ), I wired the funds to the talent agency. Shortly after I wired the funds, I logged into my Chase account and saw that not only were the funds from the check gone, but that the {$1200.00} in my account before cashing the check was also gone, and that the wire transfer resulted in a {$4200.00} overdraft of my account. If the Chase representative I spoke to had not assured me that the check had cleared and given me the go-ahead to use my account as usual, I never would have proceeded with the wire transfer. To make matters worse, Chase has refused to give me a fraud affidavit, which I need to file a police report about the incident. Shortly after the check was recalled, I went to my local police precinct to report this fraud and was told I needed a fraud affidavit from the bank before I could file a police report. I have spent hours on the phone with Chase explaining that I am a victim of fraud, but Chase has refused to open a fraud investigation or to provide me with a fraud affidavit. Because Chase refuses to give me a fraud affidavit, I can not even open an investigation at my local police precinct. I have recorded all my phone conversations with Chase, except for the call I made to Chase to verify the checks legitimacy and the availability of the funds. This call was made on Monday, XX/XX/2023 at XXXX p.m. and lasted XXXX minutes. I have mentioned this call to Chase numerous times but to no avail. I demand that Chase remove the {$4200.00} overdraft from my account, reimburse me the {$1200.00} I lost, and provide me with a fraud affidavit. If Chase has reported me to XXXX or XXXX XXXX XXXX for this overdraft, I also demand that Chase delete this reporting immediately. Sincerely, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: All actions on XX/XX/2023 -use debit card normally approx. XXXX EST XXXX XXXX informs me my chase digital card had been suspended -call chase -chase claims they decided to close account but will not provide reason why, one agent claims due to conversation with claims department- closing account for a joke about JP Morgan would be a violation of my first amendment- furthermore even though profanity is a federally protected action, none was used. -chase refuses to allow withdrawal of funds -chase will not disclose a direct reason for closure -chase has made it impossible to provide any necessary resources as chase holds all of my families money and will not allow access. -JPM Chase is the number one lender to the United States government, I have no way to get help even if legal action was sought.
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Walked into XXXX XXXX dealership with preapproved rate for vehicle Loan officer intentionally hid fees, marked up price of vehicle and charged loan for more than vehicle cost. Also increased rate of loan Declined to provide information. Forced signing for terms. XXXX when tried to communicate several times! Has not reimbursed fees as promised ( XXXX fees to and from dealership ) Dealership bullied process and did not want to answer questions during process. Tried to contact Chase Auto Financing several times and they confirmed XXXX credit apps were open at the same time under my name but then they changed the apr rate without telling me info. Called multiple times and never received a response even after requesting supervisor several times
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX JPMCB CARD XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at [ your phone number ] or [ your email address ]. Thank you for your immediate attention to this matter.
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
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: Check-in : Mon, XX/XX/2023, XXXX XXXX Check-out : Fri, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX {$1000.00} Trip total {$1000.00} Points redeemedXXXX points Special check-in instructions There is no front desk at this property Guests will receive an email 72 hours before arrival with check-in instructions and an access code ; access will be through a private entrance To make arrangements for check-in please contact the property at least 48 hours before arrival using the information on the booking confirmation A virtual front desk provides assistance to guests Arriving/Leaving Check-in start time : XXXX XXXX ; check-in end time : anytime Contactless check-in and check-out are available Minimum check-in age XXXX Check-out time is XXXX XXXX Contactless check-out These are the information it was listed on XXXX through the Chase XXXX XXXX. I never received any emails 72hrs prior to check in with instructions and an access code. There was no other emails as well 48hrs prior to check in for arrival information such as which apartment or property it was in. I had reached out to Chase on Friday XX/XX/XXXX XXXX XXXX time. Chase had to contact their " third '' party which was XXXX. XXXX refused to speak with me and Chase had to be the middle man. During that time, they told me to wait 72hrs because the time zone were different from where Chase was from with XXXX . So I waited patiently for the email. Sunday arrived, XX/XX/XXXX, still no email. Reached out to Chase again and they had to contact XXXX again. They had me on hold, XXXX had to try to reach out to the owner of this property. No response at all from this property via phone or emails. Check in was less than 24hrs at that point and I had no where to go the next day with a baby if I didn't act fast enough to find another property in a foreign country. I wanted to cancel the reservation but XXXX told me I am responsible for the penalty fee. I was advised to wait til the day of the check in, if I did not receive anything, they will refund my money. On the morning of Monday XX/XX/2023 at XXXX XXXX time. I had to call Chase again and see if there's any response from the property owner. At that point it was more than 48hrs since the last time XXXX had try to reach out to them. I was on the phone for 2 hours with Chase because XXXX was the third party trying to reach out the owner in many different ways but no response at all. When I came back from my trip, I had called Chase twice and they had told me XXXX is refusing to refund my money because the property declined it. They are scamming people by taking their money without providing the service. XXXX claimed that the property owner had emailed me twice and I had verified my emails and I requested for the copy of it so I can see the timestamp they had emailed me. I had checked my inbox and spam which no email were found. Til this time, they still can not provide me the proof that the property owner claimed to email me the instructions. I would like to speak with XXXX myself but they refused because Chase is the middle man and I have to go through Chase. Chase claimed they can not refund my money because XXXX is refusing due to the property owner declining it. I asked for a charge back from Chase to get my points back which they refused. This property failed to provide their contact information when they even put in their instruction to contact them for check in information.
Company Response:
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been requesting for my personal account bank statements and I have not received those for about 4 months now, and for my business account I have been requesting the same and they have refused to send me my bank statements. I was in the hospital when I came home I realized my balances were lower than expected however I was getting errors with accessing the transactions so I requested statements and have not received them. When I was able to access limited information I disputed via US mail some charges from my personal account and a couple days later followed up via phone. I was after less than a week my disputes were denied. Attached please find the letter I sent regarding my personal account. Chase practice of denying disputes in violation of CFPB regulations not only is causing me financial harm but also denying me access to banking.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A