Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumer privacy. Entities like XXXX, XXXX, and XXXX operate as consumer reporting agencies, while I stand as the Consumer. It's imperative for me to protect my private information, reinforced by 15 USC 6801, emphasizing the Congress 's policy for financial institutions to uphold customer privacy and safeguard nonpublic personal information. Jpmcb-Card Services falls under the definition of a financial institution. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports based on the explicit written instructions of the related consumer. Neither Jpmcb-Card Services nor the consumer reporting agenciesXXXX XXXXXXXX, and XXXXhave my consent to furnish this information, written or otherwise. All previous forms of consent, whether verbal, non-verbal, or implied, are hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution must inform consumers of their right to prevent the disclosure of nonpublic personal information to third parties, which Jpmcb-Card Services failed to do. The reporting of adverse information about my account, as per 15 USC 1681C ( a ) ( 5 ), without my permission, is unlawful. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. XXXX, XXXX, and XXXX are not upholding reasonable procedures, as required by law. Finally, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting of my credit balance and credit utilization immediately. Thus, based on these regulations and statutes, I demand that XXXX, XXXX, XXXX, and Jpmcb-Card Services cease reporting my information without my explicit written consent and respect my right to opt out of these reporting services.
Company Response:
State: TX
Zip: 76063
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: To Whom It May Concern : Chase has been routinely holding transactions from checks and other deposits that clear quickly from the sending bank and claiming that they are holding the deposit as it may not clear. Clearly not in the consumers interest-they are trying to maximize revenue by holding onto deposits overnight ( or longer ) to bolster the bottom line via interest income. Ive also noticed that instant transfers into the bank happenliterallyinstantly. However instant transfers out are held for at least a day or more. Bad business all around. This bank needs oversight.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received a notification from Chase Bank stating that my account had been limited and that our banking relationship would be terminated with the account 's impending closure. Upon contacting Chase, they were unable to offer a concrete reason for the closure. They assured me that any funds in my account would be issued via check within 3-5 business days following the account 's closure, which was anticipated around XX/XX/XXXX. Yet, as of now, they have informed me that the funds are still under review and have not been returned, nor have they provided a definite timeline for this process.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There were two fraudulent transactions originating from a company called XXXX XXXX XXXX XXXX on my JP Morgan Chase Debit Card. The following will be a timeline of events. Incident # 1 : XX/XX/23 : XXXX XXXX XXXX XXXX XXXX Method : Online Shopping Charge : {$39.00} Action taken : XX/XX/23 : Called Chase Bank and created a claim on the full amount. Chase issued temporary reversal and credited the {$39.00} to my account. They also shipped a new card out. A digital card was issued while the physical card was in the process of being delivered. Incident # 2 occurred during this time. Incident # 2 : XX/XX/23 : XXXX XXXX XXXX XXXX XXXX. Method : Online Shopping Charge : {$39.00} Action Taken : XX/XX/23 : Called Chase Bank and created a claim on the full amount. Chase issued temporary reversal and credited the {$39.00} to my account. They also shipped a new card out. XX/XX/23 : Chase Bank denied incident/claim # 2. They claimed this was an authorized transaction. XX/XX/23 : Called Chase Bank and spoke to the claims department. The reason given for the denial was that I had recently used this new digital card that the fraud had taken place on. I did use the card to buy food, but that does not mean I authorized this fraudulent transaction. The charge appears to be a reoccurring charge as the second incident happened exactly one week after the first as seen on the screenshot. Chase bank did not properly stop the recurring charge after the first incident even though I called to report it as fraudulent before the second charge occurred.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against Chase Credit Card Services for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 1. Inaccurate Reporting of Payment History and Targeted Retaliation : Chase inaccurately reported my account, ending in 1156, as 90+ days past due. This misinformation appears to be linked to the combination of a Chase loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by Chase directly correlate with my dispute, indicating targeted retaliation. 2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, Chase neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and Chase responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, Chase charged late fees, contradicting the agreed-upon arrangement. 3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, Chase imposed a late fee based on false reporting. Additionally, Chase arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by Chases system. Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds Chase accountable for these actions, ensuring fair and ethical practices are maintained. I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: The following matter has happened my re-closed Chase Credit Card recently. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, CA XXXX Dear sir, I would like to inform the following incident, which happened today over one transaction with XXXX. On XX/XX/XXXX of 2023, I ordered the following items by using the payment system of your company, XXXX. I ordered them ( order # XXXX XXXX XXXX : -- 20pcs Antique Bronze Cameo base setting Hair Clip with Round Glue Pad Tray for Cabochon, Hairclip barrettes, Fitting 20 round glass ( transaction # XXXX ) Quantity 4, {$5.00} each -- Metal Hair pin, hair clips, 50 pcs Antique Bronze Bobby pins Round pad Cabochon base setting 50MM, Hairpin with 12 MM pad. ( transaction # XXXX ) Quantity 1, {$9.00} -- Blank Hairpin, 50 pc Metal Antique Bronzed Bobby Pin with 14 mm Round Bezel Setting, fit 14mm glass cabochon, Wholesale Jewelry Findings ( transaction # XXXX ) Quantity 1, {$6.00} Item XXXX Shop XXXX Subtotal {$39.00} Sales tax {$2.00} ORDER TOTAL = {$37.00} XXXX Invoice ID XXXX ( Please refer to the attached document ) Issue Content On XX/XX/XXXX of 2023, I tried to create the hair clips for mainly children and ladies by using the one of above-mentioned products, 20pcs Antique Bronze Cameo base setting Hair Clip with Round Glue Pad Tray for Cabochon, Hairclip barrettes, Fitting 20 round glass ( transaction # XXXX ). I used these products, rice paper, and cabochons, and XXXX glue. Later, I found out the color of paper inside of cabochons changed into blue and brown. In the end, almost all of them needed to redo because of too many changes of colors inside. Therefore, I soaked them inside of water and detached the cabochons, paper, and above-mentioned settings. I just wanted redo all of them suitable for my customers. Of course, I complained this issue to the seller for replacement. All of message communication record will be enclosed with this letter. I insist that I have soaked these products to re-do and create good enough for the customers by replacing the dirtily color-changed paper. I did not expect these products would be rusted by soaking. From the beginning, the products, which the human beings wear, should not be rusted because of the concern of allergic reaction toward certain metallic items. If the products rust so easily by soaking into water for a few hours, I believe this metal is not reliable, especially, the wearers are children, because this metal might cause and develop the metallic reactions which might cause the XXXX XXXX and XXXX in future. Anyway, I tried to examine whether other materials might work with these pins. I used the string and plastic sheets between cabochon and setting. Both times, the color seemed out. I just wanted this seller to give the advice what I should do to make tits products usable. Since this item came with other items, hair pins, I strongly feel I need to check them not to change color at all. Because of the frustration caused by this seller, I tried to contact with XXXX ; however, I could not find out. And since the previous letters sent to XXXX headquarter did not arrive and return to me, I need to find it. So, I have decided to contact with your company, XXXX. At first, I tried to start the dispute through the merchants site. Unfortunately, I started to file all communications on this matter with XXXX and I changed the sites often from XXXX and XXXX. This might be XXXX of the reasons that I could not complete the complain to XXXX several times. The content disappeared. I enclosed the prints out, even though partially disappeared. I would like to enclose this conversation with this letter, even though some sentences are disappeared. So, I tried to contact with customer service, found out the chat, and started the chat communication. Before I tried to explain the situation, this XXXX assistant just deputed something ; therefore, I mentioned the entire situation at the end of the conversation as you can see another attached document. However, I found out this chat record is disappeared. So, this issue was escalated inside of XXXX dispute system. I wrote for escalation as follows : I have tried to solve this issue for more than half day. I will send the detail to your company, XXXX, Chase Credit Card, XXXX and XXXX. What I want to complain at this moment, the previous chat with your XXXX assistant has disappeared ; therefore, I have decided to escalate this issue. So, if you want to see the detail, please wait for some moment, most likely, the federal organization will contact you. And you will receive the written document, which will be sent to the headquarter. I advise you to have the function all chat conversation will be kept as data. And you will have the proper communication with the customers. Sincerely, As the end, I just want to comment, since these items I bought from this seller of XXXX is clearly suspicious, and I believe I need to discard ; otherwise, all coating are disappeared from the clips. And you need to remind the cost of mailing, since I will file your company, XXXX, Chase, and XXXX, after finding where is the headquarter of XXXX. I will try by searching globally. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or around XXXX I changed my direct deposit from Chase to XXXX due to fees. XXXX told me they never received my XXXX benefits, which they did. So I changed my direct deposit back to JP Morgan chase. I got my next month benefits fine I received a check from XXXX from my direct deposit of XXXX. I mobile deposited it with Chase and it cleared. When I got to the store my account was closed and so I called. Chase. They said the numbers to the check don't add up. The check I received from XXXX was not being honored. I took the check to XXXX opened a new account. XXXX days later I received a notice that XXXX closed my account and to stamped check refere to maker. I finally was able to open an investigation from XXXX to Chase due the check being cashed by Chase. XXXX back said 4 to 5 days and that was the XX/XX/XXXX My house caught fire on the XXXX and it's a total loss. Any help would b greatly appreciated. Warm Regards Happy holidays XXXX XXXX
Company Response:
State: OK
Zip: 73020
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is to let you know of our terrible experience with Chase bank in our recent scamming occurrence. As a small business owner, we placed our hard earned money in their bank under the assumption that it is safe and secure. However, we didn't realize that their banking system is so insecure and corrupt. We take all safety precautions with our computer and banking. Somehow, beyond our control, we became the victims of software scammers who scammed us out of XXXX dollars in one day!! The whole scam could have been prevented had Chase bank simply alerted us to the suspicious activity and calls they were receiving for over a week before -which we only found out later. We were locked out of our bank account a few times the week before the scam, but when we called to find out why, they did not tell us anything, and merely reopened the account. Unfortunately, they did not try contacting us once, and even when we finally did get through, with much difficulty, to speak to someone, they did not even let us know that there was any suspicious activity going on. On our own, we figured out that someone put a XXXX wire transfer from our account, and when we told the bank about this just a few hours after it was done, they said that they can not get the money back, although it said " pending '' on the website. We were told that someone recently changed the cell phone number that was used to verify transactions. They also informed us that the caller gave an incorrect phone verification code, but was still able to pass inspection by answering some questions such as our previous address etc. We were assured that we would get the money back since it was fraudulent. We naively believed them, and patiently waited for the money to be returned. Any time we called the bank, we were told that it can take up to 10 days for the money to show up. The bank did not contact us even once to give us any assistance or to ask us any questions about the scam. We called numerous times and went down to the bank many times, but no one was able to give us any information at all. The tellers would just call the fraud line and were not given any information at all. When we went down to the bank for the fourth time to find out any more information, the teller casually mentioned to us that the fraud claim was denied and closed!!! We spent two hours at the bank calling numerous departments, getting transferred back and forth between the " back office '', technical team, and the fraud department just trying to speak to someone who could explain why the claim was denied!! Finally, we were told that since there were no failed login attempts and the scammers were able to answer all the security questions, it " must be '' that we ALLOWED them to scam us out of XXXX dollars!!! They then " opened '' and " closed '' a second claim in one hour, and informed us that we only have 3 opportunities to open a claim!
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Friday, XX/XX/XXXX, I found my consumer banking accounts with JP Morgan Chase to be restricted, preventing payment of bills, including utilities, and leaving me without money or an explanation as to the reason for the account restriction. I called and waited on the phone for about an hour and very little information was provided. I have more than $ XXXX combined in those accounts, and have not been given any certainty on when I will receive my funds. I went to two branches and both branch managers were not helpful ; also, a gentleman named XXXX, JP Morgan Chase branch manager in XXXX XXXX, MI ( XXXX XXXX and XXXX XXXX ), was extremely rude, violating my privacy by approaching me in a crowded lobby to explain details of my personal matter. Other customers were able to hear and even stare at me as those person details were being uttered. Extremely unprofessional. But this is not a customer service complaint. Its a complaint about Chase stealing my money temporarily and then closing my account and saying nothing other than they have a right to do so. After > three years holding multiple accounts ; all of my work-related direct deposits have been with Chase for nearly 3 years. The only thing the branches could tell me is that I may need to wait as long as 10 business days to receive the check, and that it would be sent as an overnight delivery. But it could be well into XXXX before I may receive MY money. Crooks. Thieves. I'm not sure who or what algorithm resulted in this crime, but this should not be allowed. If you're going to freeze someone's life savings, at least provide notice. Just because you feel you have the right does not make it appropriate to leave someone without money to live on. This is a crime. A crime. A crime. First, I demand accountability. I'd like MY money AND an apology. Regardless of their reasoning for not wanting to maintain a banking relationship with me, HOW they end banking relationships is was wrong. I earn money from the same employer for two consecutive years, and they've frozen the money of a person working for a living, trying to get by, and preparing to XXXX XXXX XXXX XXXX in the Spring of XXXX, who was trying to building up savings.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A