Date Received: 2023-04-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase reversed a credit on my account for {$7500.00} payment they had received and didn't return my $ $ XXXX I called, faxed documentation they requested, no response. All documentation was faxed, per Chases supervisor XXXX instruction @ XXXX XXXX branch to XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/ I reviewed my latest bank account statement. In the process of reviewing my account statement noticed 3 ATM withdrawals that were not made by me ( at least to the best of my knowledge ). A total of {$1500.00} were withdrawn on 3 separate days .... XXXX ) {$500.00} withdrawn on XX/XX/XXXX .... XXXX ) Another {$500.00} withdrawn on XX/XX/XXXX, XXXX. XXXX ) a third withdrawal was completed on XX/XX/XXXX for the amount of {$500.00}. I notified Chase Bank who investigated. Chase informed me that the withdrawals were may by me. I asked for evidence and I was told that they not collect this type of evidence. I believe that Chase either owes {$1500.00} or evidence that supports their investigation. In general, I do not make ATM withdrawals of more than {$300.00} at one time.
Company Response:
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquires i didnt give authorization to pull my credit report.
Company Response:
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase bank closed all 3 of my credit card accounts after banking with them for 5 years in XX/XX/. After spoke with them on XX/XX/, I was not given any specific reason why they are closing the accounts and I was not given the option to appeal the decision.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB CARD OBTAIN A COPY OF MY CREDIT REPORT SEVERAL TIMES WITHOUT MY PERMISSION, CALLED COMPANY AND SPOKE WITH REP SHE ADVISED ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Some one withdrawn money from my account online via XXXX pay
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
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: I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service for {$990.00} with my Chase Amazon credit card in XX/XX/2022. XXXX put in writing several times that I was guaranteed a 75 % refund if I didn't like the service after 90 days ( without which I would not have purchased ). I could not use the service because I got a second bout of XXXX, and because XXXX didn't tell me that I needed certain credentials to use part of it. Suspicious of XXXX I filed a dispute with Chase around XX/XX/2022 ( within 60 days of getting my credit card bill ) stating that I was concerned the guaranteed refund was a fraud, and wanted to protect myself under the Fair Credit Billing Act by having a dispute if XXXX didn't honor the refund. Chase initially advised they were honoring the dispute but then somehow treated the dispute as a fraudulent purchase and sent it to their fraud department. Chase then failed to honor the dispute because, as I agreed, the issue wasn't initial fraud ( I did place the order ), but fraud in the service provided ( not honoring the guarantee ). I have gone back and forth with Chase many times to get them to understand the dispute and handle it properly, and send them all the supporting paperwork ( they apparently lost it a couple of times and I had to keep resending it ). Incredibly Chase now accept XXXX 's lies, including there was no guarantee, even though it is in writing. Chase 's 'investigation ' is beyond shoddy and incompetent, and violates by rights.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the XXXX and XXXX XXXX and unfortunately thats not efficient enough. It doesnt have my wet signature. Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a pre-approval with Chase. The loan officer 's name is XXXX XXXX, XXXX # XXXX. He asked for my gross income, and wanted my W-2. I explained that my gross income is actually higher than what my W-2 shows . I even provided proof of this by submitting an annual paystub that shows the correct gross income. Even after providing proof of accurate gross income, XXXX XXXX proceeded to use the wrong amount, which was significantly lower. He ended up using box 5 of my W-2, for 2022, which shows {$70000.00}. However, Box 12 should also be included, since those amounts are for employee sponsored health care plans. Including box 12 my gross income would be more than {$85000.00}. This would surely affect my loan terms by a significant amount. I attempted to politely discuss this with him on the phone, but XXXX was very condescending to me. Not only did he use the wrong gross income, he also ran the pre-approval for down payment of only 15 %, even though I requested 20 %. When I brought this up to him, he condescendingly asked me " can you even afford 20 % ''? This was extremely shocking to hear, especially since I had already submitted all my financials, including my wife 's financials. I also wanted to know what credit scoring model they were using to determine my mortgage worthiness, but he condescendingly argued to me that there is only one score. I know for a fact this is wrong, and politely tried to discuss this with him, but he insisted I knew nothing about credit scores. XXXX XXXX even had the nerve to file a complaint against me to his own manager, for dropping an XXXX XXXX. The XXXX XXXX was in response to the question when he asked " can you even afford it ''. To which I replied, " you should know this, I just gave you all my XXXX financials ''. That's when I hung on him, and wrote a complaint to his manager, but his manager never responded. The tone in which he communicated with me on the phone showed clear disdain for me. The fact that he used wrong numbers for my pre-approval, and the condescending tone in which he spoke with me, exhibits clear intent to discriminate against me. I complained to his manager, and tried asking for a revised pre-approval letter, but they are ignoring me now. I am attaching proof of conversation in which XXXX admits to using the wrong gross income and wrong down payment amount, including my W-2 and annual paystub that shows my correct gross income. What recourses do I have at this point? Regards, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Thursday, XX/XX/2023 I reached out to chase bank via their customer service business line to speak with someone about my getting my bank information verified on bank letterhead. I was also calling to get information on how to accept and process credit cards on my business account. I spoke with XXXX who told me she can set up an appointment at a branch and someone can assist me with getting my bank information on chase letter head. She set up an appointment for me and I explained that there is no longer a business banker at the branch my account was opened at. XXXX scheduled the appointment at the branch I opened the account with and then she told me that she would get me over to merchant services to address my credit card processing questions. I asked her how would I know who i am supposed to meet with after she said she successfully set up the appointment and she said that I would get an email shortly. She placed me on a long hold and XXXX answered the phone from merchant services. I told him what I was looking for because this was a cold transfer. He proceeded to ask me several questions none of which I could answer then he said he would need to transfer me to another area because i did not have an account set up. I asked him if i could get the information at a chase branch which he did not answer right away, but he finally told me that I could. He asked me for my account number so he could transfer me and i told him that I did not have it in front of me. I only had my debit card in front of me. He told me that he could not transfer me if i did not have my account number. I told him ok but I was irritated because this was becoming more of a big deal than it needed to be for me to just get some general information. I did not receive an email telling me I had an appointment. I called the customer service business line again and I spoke to XXXX. I explained that I was trying to find out who I was meeting with for my appointment that was set up earlier. I explained that it was set up by someone I spoke to earlier. She kept asking me if i checked online. i asked her what i was checking for online and she asked me who set up the appointment. I told her someone from her department. She said i can go online to see the appointment. I asked her if it would tell me who I was scheduled to meet with online and she said she did not have access. I asked her why she was asking me to look online for something that I did not set up on line. She explained that I can go online and set up another appointment if I did not see one and then she asked me if I used the app or online trying to find out how i set up the appointment. I explained again that I did not set the appointment up, someone else did and all i want to know is who am I meeting with so I would know who to ask for when I arrived to the appointment. She began to explain that she can't set or see appointments online and that i can set up an appointment online. Frustrated I told her that I am not interested in scheduling any appointments online and explained that I needed to verify my account. She then transferred me to someone else and I did not catch their name. This person took me through the same exchange. I asked could I speak to a supervisor and she told me that she was a supervisor. She offered to connect me with the branch where my appointment was scheduled so i could ask them. After waiting on hold for a few minutes she said no one answered but I can call them back later if i wanted to. I explained that I simply want to verify my account. She transferred me to someone in confirmation who identified himself as XXXX. I explained what I was looking for and XXXX verified me and then he told me that it would take XXXX business days to receive my request via mail. I told him ok, then I asked him if i can speak to someone about accepting and processing credit cards through my business accounts. He offered to get me over to credit card services. I told him that I don't think that is where I need to go. I explained to him again and he told me that credit card services is the correct department. I asked him what does that department handle and he said any questions you have about your credit card. Once again I explained that I don't have any questions about my credit card and that is the wrong department. He then told me to call customer service. I explained I called customer service already. He told me again to call customer service. I told him again I had already done that and I questioned why he wasn't listening to me. He told me again to call customer service. I asked him if i could escalate the call. He said he could not escalate the call for the reason i was calling and that I would have to call customer service. I told him that I wanted to speak with a supervisor concerning confirmation. He went back and forth with me concerning this. Then I told him that I wanted to speak with a supervisor to complain about him because his handling of the call went from ok to terrible. He told me to call customer service and hung up on me. I never received the email so I am not going to an appointment to meet with someone in a branch to get everything addressed i was calling for without a confirmation or knowing who i am suppose to meet with. This was a complete mess. I want to escalate and address XXXX hanging up.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A