Date Received: 2023-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I paid a merchant through XXXX XXXX and was scammed. There was no more contact once they took my money. I immediately requested a refund but was denied. I then filed a claim with chase bank and just received notice that theres some paperwork showing that I received goods, which is impossible because it wasnt for goods but for services. I signed nothing and received nothing so I am unsure of how they would have documents showing that I received products.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account with Chase Bank that I opened in the summer of 2022. Chase offers a service to deposit checks using a smart phone by taking pictures front and back. I noticed that Chase is not crediting the funds deposited for up to nine days. I visited the Chase branch location at XXXX XXXX XXXX, XXXX VA XXXX and spoke with two women there. One provided her business card to me, XXXX XXXX. Both ladies said that it can take up to XXXXne month to " process '' my deposit. I spent 15 years in banking in the XXXX. This can not be true. The checks deposited were from large commercial banks, XXXX XXXX and XXXX and the like. Chase seems comfortable with this as a policy. Is there policy legal? What can be done about it?
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a XXXX and a wire scam fraud was committed against me in XX/XX/2022. An investment scam fund was sent funds via a wire from my Chase bank account to the beneficiary bank which was XXXX XXXX located in Texas. In my previous correspondence to both banks on this issue my requests were denied. Chase bank and XXXXXXXX XXXX have not refunded the funds that were sent to fund a scam operation. I believe that it is the responsibility of the banks to monitor and flag suspicious transactions, especially those involving large amounts of money and unfamiliar recipients. Initially Chase Bank instructed me to contact the beneficiary bank which I did complete. I am making this claim to get my {$55000.00} returned to me. I just want my money returned, and I believe that both banks should take responsibility for ensuring my funds are recovered promptly to me. The process has been continuing for some time now and it has been very stressful and time consuming process, and I am hoping that this complaint will prompt both banks to take immediate action to resolve this urgent issue.
Company Response:
State: MI
Zip: 48162
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : BA creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are multiple errors in the listing that are damaging to me including, balance, payment status, and a date of last payment. JPMCB claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase Bank in XXXX has a banker who ambushed me on XXXX on a visit to the bank. He had been setting this situation up for 5 years via himself and the males he hires. He went on a financial hate crime spree in the bank and waited over a week to have paperwork sent to me detailing that Chase didn't want my business even though I did not violate any conduct rules or credit card rules. Chase Bank knows about this and is reviewing the situation to ( hopefully ) keep my bank account open. I find this banking behavior reprehensible and definitely want it published. I also hope the banker ( XXXX XXXX XXXX ) loses his ability to manage XXXX within all banking and finance.
Company Response:
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: XX/XX/2023 I purchased my vehicle and resolved all payments on the loan. Since that date I have repeatedly requested a vehicle title document to complete the purchase and per my legal obligation for sole ownership. Chase Auto has failed to deliver the document for months with continual lack of detail or any reasonable explaination. I have been in contact with various representatives on a weekly basis requesting updates, timing, estimated delivery of this document. Chase seems to have either lost the document or is refusing to deliver it preventing my from selling the vehicle as I desire and costing my potential buyers. I am now also required to renew my vehicle registration in the state of Illinois for a vehicle that I had planned to sell months ago. I have zero faith in Chase Auto to resolve this matter and I am reaching out for consumer protection in desperation to simply receive the title document.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have an account with Chase bank. On the day of XXXX XXXX I woke up XXXX and upon checking my email I found few emails from XXXX XXXX from XXXX XXXX to XXXX XXXX stating your transaction has been successful, the money has been picked up. I panicked and checked there were two transactions made from my account and {$990.00} was sent to XXXX XXXX in XXXX. Upon checking the emails further the hackers had tried to send {$990.00} twice and they were successful in picking up just one transaction. There were two charges on my account for {$1000.00} that {$990.00} and the {$34.00} charge from XXXX XXXX. I called XXXX XXXX right away and told them that I did not send the money and its a fraud, they told me they could not do anything as the money has been picked up and they can not refund it and I should contact my bank. So I called chase bank and told them what had happened. They opened a claim and gave me a temporary credit for {$1000.00} but on XX/XX/XXXX they sent me a letter saying that chase has done its investigation and therefore has determined that it is an authorized transaction and debited the money from my account and I called them to ask more information about their decision and their reasoning was that the information like my name address phone number and email matched that is why it is authorized transaction. But this reasoning doesnt make sense because it was hacked and when people hack someones information they wouldnt hack the wrong information and if the information wouldnt have matched the transaction wouldnt have gone through in the first place and I wouldnt have to be battling with it like this. So the bank asked me that they could not open the case again until I bring any proof that proves that I did not authorize the transaction. So I went to the police to file a report and I also filed a report with FBI. i also called XXXX XXXX and they have a fraud report and the case number. But they would only provide it to law enforcement. I went to the police station and asked them if they could call XXXX XXXX and get the report so I could provide it to the bank and get my money bank but they told me that they didnt have enough resources to do it. I went to the bank frustrated and the bank manager filed a hard complaint for me and the escalation department from chase called me and I told them the whole story. They sent me the research chase had done. In the report the IP address from where the transaction was done shows North Carolina and on an XXXX device. I was in California sleeping in my house when this happened and I use XXXX. I told them this and yet they have denied my claim. I also had provided them the proof of my clock in and out from work to prove I was in California. At this point I have no other choice to file this complain and potentially go to small claims court as this is wrong and the bank is not protecting my hard earned money which with great trust I put in their bank thinking it was safe.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX I called Chase Bank to have a claim done for XXXX against XXXX XXXX XXXX and Chase Bank credited my checking account with a temporary credit of XXXX. I called Chase Bank in XXXX explaining that was a valid charged and they reversed the charged meaning the funds came out of my account being sent to XXXX XXXX XXXX. Well my account showed negative XXXX and XXXX XXXX XXXX Never received the funds electronically. Chase threatened to close my checking account if I don't bring it positive. I explain it was they're fault I went negative negate the third party never revived funds so I'm thinking Chase Bank is holding my money. Like what banks do. Well Chad closed my checking account and XXXX XXXX XXXX still hasn't received the money
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A