Date Received: 2023-04-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase has placed a hold on a paycheck that I deposited through their mobile app for 14 days. They notified me via e-mail hours after check was deposited then accepted, that I wont have access to the check till 14 days hold is over. I can see the amount under transactions on hold in the mobile app. This is unacceptable as I need the funds ASAP, I usually get them through a direct deposit with my credit union. But I got a physical check this time and tried depositing it with Chase for the first time and got into this mess I have contacted Chase a couple of times and walked into a branch, but the emergency nature of needing the funds and not being able to wait for 14 days has this as my only option Date XXXX Amount {$2100.00}
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Credit report goes down every time you apply, really! XXXX XXXX XXXX XXXX send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX cause of thier XXXX ups. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! Get that hard check off my record by XXXX XXXX XXXX. Then amazon credit application denied by chase. Already have card with chase. Site said, get XXXX dollars from Amazon and 12 months free payment plan with azmazon card. Got denied by chase. So Now I put it under my XXXX XXXX. The purchase. In XXXX, I will transfer XXXX balance to XXXXr. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! Chase represenative told me go to credit bureau, ok, so I did!
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX I received a text msg from Chase Bank stating my account had been overdrawn. When I reviewed our account activity I saw a check was written in the amount of {$6000.00}. Neither myself nor my husband had written a check for his amount. I then realized the check number matched a check we had written to our home owners association in the amount of {$480.00}. The check had evidently been stolen and altered. I went into the Chase Bank at XXXX XXXX XXXX XXXX, XXXX, Tx XXXX on XXXX. I spoke with a banker who had me fill out a Declaration of Unauthorized Endorsement or Altered Item form. She then faxed the form to the appropriate department and advised my money should be back in my account within 24-48 hours. After the money was not there after this time frame I went back to the same location and spoke to a different banker who advised the original employee was wrong and that check fraud cases usually take 30-60 days to resolve. On XXXX We received a call from XXXX XXXX XXXX asking if we had written the check because they had a customer that attempted to cash it but they could tell it had obviously been altered so they did not give him the money. So I question how and why did Chase take {$6000.00} out of our account if the person was NEVER given the money. It has now been over 73 days and our money is still not in our account. When this originally happened we filed a police report with our local law enforcement agency and we filed a report with the United States Postal Police since the check was stolen from the mail. We have called Chase numerous times for status updates and they say they are waiting on XXXX XXXX XXXX to respond and XXXX XXXX XXXX states Chase hasn't contacted them. They each keep blaming each other and no one will tell us where our money is. Now Chase is advising it could take 60-90 days. How are they able to keep pushing back the deadline? This transaction totally wiped out our checking account and made us have insufficient funds for various transactions. When I first went into the back I asked the banker if I needed to add money to my account to cover things and she said no, that everything should be fine. I can not believe that if I had no other financial means that Chase Bank would allow a 20+ year customer to become homeless because there was no money in my account to pay for my rent, food and utilities for over 2 months!!! We call chase several times a week and get nowhere. Now XXXX XXXX XXXX is telling us the investigation is over and they are waiting on Chase to call them. On XXXX I filed a complaint with the XXXX XXXX XXXX and they notified me on XXXX that they had notified Chase of the complaint and were waiting on a response. On XXXX I contacted XXXXXXXX XXXX XXXX investigates about the problem. They contacted me back the next day to see if Chase had resolved the issue yet which they had not. On XXXX I tried once again to call the contact at Chase executive office and the local branch manager for a status update but they just say they are still researching the problem after its already been 73 days. We dont know who else to turn to to get this issue resolved. Any help is greatly appreciated! Chase Bank case reference ID # XXXX XXXX XXXX XXXX case reference ID # XXXX XXXX XXXX XXXX XXXX case # XXXX United States XXXX police case # XXXX
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have unauthorized charges ( fraud ) committed randomly on my account from XXXX XXXXXXXX XXXX XXXXXXXX. These charges were from a XXXX XXXX in AZ and the number by the transactions is XXXX. I filed a claim with Chase Bank, they refunded the money for XXXX dollars at the end of XXXX, but then took it back out in XXXX stating on the report that it was me and not fraudulent. I then called back and had them reopen the claim because they did not have significant proof that it was me. They put the money back on the account on XXXX XX/XX/XXXX but then took it out again on XX/XX/XXXX stating that again it was me and the claim is closed. On XX/XX/XXXX I called the Chase fraud number and I spoke with a XXXX oversees outsourced call who stated I would have to go through XXXX to settle the dispute. I called XXXX that same day and they said they have no charges to my name or on account that have the credit card ending in my numbers, as stated on my atm and debit card withdrawals form from Chase. I then called back Chase to another outsourced number on XX/XX/XXXX and got a XXXX on the phone. She said I would need a letter from XXXX, I told them that that is their job to inquire and investigate the charges through XXXX because XXXX won't do that for me. I was on hold for 2 hours that day, she said she would come back on and tell me what my next steps were, and never came back on, I let the phone stay on hold while I went about my day. Finally it disconnected after 2 hours and no one got back to me. I've sent several emails asking them to please reopen the claim and they do not reply. After heartache and frustration, I finally went to the XXXX XXXX where my family does their banking on XXXX XXXX and asked for help. We spoke to XXXX an accounts manager and she tried to get the case reopened for us, speaking with some further ups. They reported that it was chip to chip purchases and that's why they think it is me and won't reopen it. I explained over and over again that I have my card, and I never used in in XXXX let alone in AZ and that someone must have gotten their hands on my account numbers or has remade a card or stolen my identity. XXXX ended up pulling up the back end information and recognized that the purchase were not chip to chip but keyed in. The bank then reccommended getting a police report for fraud and that could initiate a reopening of the claim. I got the police report and then sent it into them via my direct messages through chase bank online account. They replied, case closed again and I was unable to get anyone on the phone. I went back to XXXX at my local branch and she called the higher ups and said I had the police report, they said that it did not matter and that the claim is closed and there is no further action I can take. I am out XXXX dollars of MY money, and I do not know what to do or where to turn to get my money back. I have all of the documentation should you need.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: {$22000.00} Fraud and Scam On XXXX XX/XX/2023 I logged into XXXX XXXX and found a suspicious transaction ( see attachment 1 ). I called the Fraud Investigation team at XXXX ( XXXX ) to cancel. A man answered the phone by the name of XXXX and he gave me his phone number, XXXX XXXX so I could talk to him personally. He looked up the transaction and said it was paid in two parts, one for {$220.00} and one for {$280.00}. XXXX then said they could and would refund the money. He asked for remote access to my computers so he could clean them for other persons who might have had remote access. That was two computers I used to access XXXX XXXX. I gave him access and he began to check my computers. He then said lets get your refunds back to you. He opened Command Prompt and told me what to enter. There were several steps prior to me entering the refund amounts. While entering the refund amount of {$220.00} an error occurred that showed {$22000.00} had been transferred into my banking account by mistake. So to get there {$22000.00} back he suggested that we do a Same-day Wire Transfer of the {$22000.00} back to them and reimburse me for the wire transfer fee. He gave me all the information I needed ( see attachment 2 ). I went to the bank ( XXXX XXXX XXXX in XXXX, KS ) and completed a Wire Transfer of {$21000.00} ( see attachment 3 ). I was to retain {$500.00} for the refund of the suspicious transaction. This was all completed by XXXX XXXX. Went home called XXXX and told him about the Wire Transfer. He then proceeded to run a program to clean my computers for the rest of the day until he turned them off at XXXX XXXX. He was to Call me at XXXX the next day. On XXXX XX/XX/2023 XXXX called me at XXXX XXXX, my time. XXXX ran the cleanup program all day on XXXX XX/XX/2023. That afternoon XXXX called and said let the program run and I will turn off the computers at XXXX XXXX and I will call you Monday morning at XXXX XXXX. I did as he asked. On XXXX XXXX I looked up my online banking on my laptop, before XXXX called, I discovered that {$22000.00} had been transferred out of my savings account into my checking account. There was no sign of any money that the Fraud Investigation team had deposited into my banking account. I had transferred the {$21000.00} out of my Savings Account to XXXX and the Fraud investigation team. I had been Defrauded and Scammed. I do not know how the {$22000.00} was transferred out of my Savings Account to my Checking Account because I did not transfer it. At XXXX XXXX XXXX called me and was going to run those programs again. I told XXXX about the transfer of money from my savings account and I told him I had been the victim of a SCAM. XXXX said don't do anything I will talk with my supervisor and straighten this all out and I will call you back in one hour. XXXX never called back. I called XXXX XXXX XXXX, main office, and discussed it with them. I then went to my XXXX XXXX XXXX in XXXX, KS and talked to them about it. No favorable results. Submitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
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: Dear XXXX, I am filing a complaint against Chase regarding a credit card transaction return. This transaction is about XXXX hotel reservation made on XX/XX/XXXX. The total amount is {$600.00}. The duration was supposed to be XX/XX/XXXX to XX/XX/XXXX. Unfortunately, due to family member illness, I had to cancel the reservation. In XX/XX/XXXX, I already tried my best to communicate between hotel ( service provider ) and Chase Travel. The final conclusion on that day was : Chase will return ALL cash, minus one-night fee, back to my credit card account. After that, I have spent XXXXour months on this case, but I haven't got a clear clue what's going on within Chase. Please allow me to show you a timeline of the case. In XX/XX/XXXX, XXXX Chase Travel Agent told me to wait 1-2 billing cycles to see the return. In XX/XX/XXXX, another Chase Travel Agent told me the refund can't be all cash. The refund has to be point and cash because the original payment. However, she didn't see any point return or cash return. She wanted me to wait XXXX more week. At the end of XXXX, another Chase Travel Agent told me the point return already done back in XX/XX/XXXX and he wanted me to contact Chase Card Service. In XX/XX/XXXX, I tried contact Chase Travel and Chase Card Service, but I could only see push back and forth between Chase Travel and Chase Card Service. Both of them do not show the effort to resolve the issue. As an individual consumer, I have tried all I could and now I could only seek for CFPB 's help on this case.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Please also refer to attached documents that I have sent over countlessly to all three credit bureaus by verified mail and fax and the below credit card companies by fax. I have documentation of ALL of this, so they can not dispute any of it. In XXXX of XXXX, I went to try to purchase my first car by myself. Upon applying, I was told that I needed a cosigner because my credit score was not high enough. This greatly confused me since I had never missed any payment on anything and have a no debt outside of XXXX loans. Therefore, I began to investigate and saw on my credit report several credit cards under my name, some with no balance and closed and others with balances totaling $ XXXX XXXX {$4000.00} in furniture from XXXX which was never paid by my parents and sent to collections. I called each card company and they told me that XXXX and XXXX XXXX, who are my parents, opened the cards and were making payments, but on the XXXX XXXX XXXX, Chase, and XXXX cards they STOPPED MAKING PAYMENTS. These accounts first started to be opened TWO MONTHS AFTER I TURNED XXXX XXXX XXXX!!!!!!!! I contacted XXXX XXXX first, since two accounts were under them, and they investigated and found that the accounts were fraud and were opened by my parents. The collections agency also did the same for the XXXXXXXX XXXX However, XXXX XXXX XXXXXXXX, Chase, XXXX, and ALL THREE CREDIT BUREAUS are REFUSING to investigate or remove these accounts from my name and credit report after 3+ times submitting disputes, documentation, federal and police reports, etc. WHY CAN XXXX XXXX DO THEIR JOB BUT THE OTHER COMPANIES CAN'T? MY PARENTS WERE MAKING PAYMENTS ON THESE ACCOUNTS PER THE CREDIT CARD COMPANIES SO WHY CAN'T THEY SEE WHAT ACCOUNT WAS BEING USED TO PAY THESE????? ISN'T OBVIOUS THAT MY PARENTS WERE USING THEIR DEBIT ACCOUNT TO PAY OFF THESE CREDIT CARD STATEMENTS?????? WHY WILL THEY NOT INVESTIGATE THAT ESPECIALLY AFTER THEY TOLD ME THAT THEY CAN SEE THAT XXXX XXXX AND XXXX XXXX OPENED THE ACCOUNTS????? I AM TIRED OF GETTING THE RUNAROUND AND LIED TO. I AM A VICTIM OF IDENTITY FRAUD BY MY OWN PARENTS AND THEY ARE NOT TAKING THIS SERIOUSLY AND OKAY WITH THIS RUINING MY LIFE. PLEASE HELP ME. I EVEN PLACED CREDIT FREEZES THROUGH ALL THREE BUREAUS BECAUSE I WAS SCARED OF MY PARENTS DOING THIS MORE TO ME SINCE THE LAST INSTANCE OF THEM USING MY INFO FOR MONEY OR CREDIT WAS IN XXXX!!!!!!!!!!!! PLEASE HELP ME!!!!!! THIS IS DESTROYING MY LIFE!!!!!! I AM FULLY READY TO TAKE 100 % LEGAL ACTION AGAINST ALL PARTIES. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX XX/XX/XXXX Opened by XXXX XXXX XXXX who is my father per agent ; Spoke to XXXX XXXX fraud agent ) on XX/XX/XXXX and he states my fathers number XXXX is the # associated with the account. Account was closed in XX/XX/XXXX per XXXX by someone, most likely one of my parents, so I called XXXX XXXX XXXX back. XXXX XXXX fraud agent flagged account as fraudulent on XX/XX/XXXX and stated he will let the credit bureaus know of account being fraud ; he also stated that he opened a dispute. " account officially closed XX/XX/XXXX and this was reported to bureaus and should be off credit by early XX/XX/XXXX! ( XXXX days ) '' - this was stated per XXXX Correspondences was never sent by mail contacted them on XX/XX/XXXX ; XXXX from Texas fraud agent also states that fraud dispute was never sent through and that she would have to open the dispute again today ; claim # XXXX ; asked agent NOT to send correspondence to the XXXX address that is on file per XXXX which is my parents address and information and not mine and she states she is putting this in the notes. Asked to speak to supervisor and XXXX hung up on me. Called back spoke to supervisor who guaranteed me that the information was sent to all three credit bureaus for this information to be removed as XXXX XXXX XXXX determined it was fraud, HOWEVER ALL THREE BUREAUS ARE CLAIMING THAT THEY NEVER RECEIVED THIS CORRESPONDENCE. Fax # : XXXX sent police report, FTC report, IRS report, and affidavit of fraud that was notarized to XXXX XXXX XXXX AND all three credit bureaus on this info on XX/XX/XXXX PLUS disputes for all three fraudulent accounts. On XX/XX/XXXX, I received mail from XXXX stating that they will not remove this information from my credit report and stated that they " verified the accounts belong to me '' but HOW DID THEY VERIFY THIS? BECAUSE THE INFORMATION IS WRONG AND MY PARENTS USED ALL OF MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS!!!!! I HAVE SENT IN NUMEROUS DOCUMENTS, SUBMITTED SEVERAL DISPUTES AND REPORTS BOTH BY MAIL AND BY PHONE AND THIS IS THE 3-4TH TIME I AM DISPUTING AND KEEP GETTING DENIED AND TOLD THAT THESE ACCOUNTS ARE MINE WHEN MY PARENTS OPENED THESE ACCOUNTS FRAUDULENTLY IN MY NAME STARTING AT AGE XXXX. I AM TIRED OF THESE CREDIT BUREAUS LYING AND FAILING TO DO THEIR JOB. JP Morgan Chase ( XXXX ) Parents made and opened account from XX/XX/XXXX - XX/XX/XXXX Spoke to XXXX XXXX XXXX # XXXX ) at Chase on XX/XX/XXXX he opened a fraud dispute on the account and stated that investigation/resolution of the case could take 30-90 days. Follow-up placed XX/XX/XXXX was told that Chase will XXXX regarding update on the investigation Contact # XXXX XXXX XX/XX/XXXX stated the account was valid??? so 2nd dispute put in and I sent affidavit, FTC, IRS and police reports by fax Fax # : XXXX affidavit and reports faxed XX/XX/XXXX XXXX direct line to fraud dept ; XX/XX/XXXX stated 4-7 business days for review Mailing address : Attention correspondence department chase card services ; XXXX XXXX XXXX XXXX, DE XXXX Agent states that this account was opened by XXXX XXXX XXXX who is my father ; account also had parents phone numbers on it and their information, only had my name, DOB and social security number associated with it, everything else was their information XXXX ( fraud supervisor XXXX spoke to me on XX/XX/XXXX ; she spoke to and transferred me to collections ; XXXX XXXX collections specialist XXXX XXXX ) ; XXXX also logged my complaint and asked for XXXX to contact me directly. XXXX never contacted me and then gave me a nonworking number to contact her by. I contacted her again and she failed to log my dispute. Contacted several times on XX/XX/XXXX and XX/XX/XXXX call was not returned until XX/XX/XXXX and voicemail left. Was told I needed to prove that the XXXX account was disputed and would need to send them this documentation in order for them to investigate this account. call back # XXXX - I HAVE NEVER HEARD OF THIS IN MY LIFE. Account Charged off remaining balance {$5400.00} XXXX ( XXXX ) Parents made and opened account from XXXX Opened by XXXX XXXX XXXX XXXX who is my father, per agent that I spoke to XXXX Spoke to XXXX at XXXX XXXX XX/XX/XXXX account marked by her as fraudulent and stated to contact credit bureaus to dispute Spoke with XXXX at XXXX XXXX on XX/XX/XXXX regarding dispute update since she was supposed to call me back and never did ; she told me to contact Charge Off Fraud Department XXXX XXXX XXXX XXXX ) Contacted again XX/XX/XXXX Charge off Department and spoke to XXXX ; dispute opened by this person per his report ; investigations can take up to 90 days per XXXX ; I NEVER HEARD BACK FROM THIS COMPANY AND THEY REFUSE TO PROPERLY INVESTIGATE THIS ACCOUNT. fax # : XXXX and affidavit + reports sent Closed/charged off XXXX XXXXXXXX Journey ( XXXX ) ( DISPUTED ) Opened XX/XX/XXXX Disputed and determined to be FRAUD per paper correspondence and was removed from credit history per XXXX XXXX document on XX/XX/XXXX Opened by XXXX XXXX XXXX XXXX XXXX XXXX agent that I spoke with on the phone Closed/Charged off 2nd step police report filed XX/XX/XXXX with XXXX XXXX Police Fraud Team Made report XXXX XX/XX/XXXX @ XXXX XXXX Police report # XXXX XXXX XXXX police covering To obtain copy of report XXXX Directed to contact credit bureaus Copy of police report obtained XX/XX/XXXX Detective XXXX XXXX on the casXXXX XXXX ; XXXX ( e-mail ) 3rd step CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXXXXXX XXXX o Spoke with XXXXXXXX XXXX She noted down that the security questions were all parents info parent name, address, phone number o Letter being sent to me by XXXX to set up a pin and a credit freeze was placed o Told to contact other credit bureaus and let them know o Told will be contacted in 3 business days by fraud department o Credit freeze in place XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke to XXXXXXXX XXXX Fraud alert XXXX by XXXX XXXX Accounts in my name XXXX XXXX XXXXXXXX, XXXX XXXX JP Morgan disputes were filed by XXXX on my behalf XXXX confirmation for the disputes filed o They will let XXXX and XXXX know about fraud alert o Sending me a report with everything! will be sent to me in 3 days Mailed back request to dispute fraudulent accounts; waiting to hear back as of XX/XX/XXXX heard back and told to contact individual card companies o Credit freeze placed
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mom received a text on XX/XX/XXXX asking if she made an authorize purchase from XXXX for {$1000.00} from XXXX XXXX XXXX from Chase. She responded no. The scammers sent myself, my brother, and my sister multiple transactions from my mom 's account. They called my mom and told her they were from XXXX and she needed to contact us immediately and send the money back. I returned a payment to my mom of {$2000.00}. They rerouted my mom 's XXXX 's account to theirs. I contacted Chase because they immediately suspended our accounts for 10 days. We then had to file a fraud claim charge on XX/XX/XXXX. They investigated and closed the claim and told us we needed to contact XXXX. I have yet to receive my {$2000.00} back XX/XX/2023 XXXX Payment from XXXX XXXX {$1.00} {$190.00} XXXX XX/XX/2023 XXXX Payment to XXXX XXXX {$200.00} XX/XX/2023 Reversing credit due to Dispute {$1.00} {$190.00} XXXX
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The history is as follows : My father ( XXXX XXXX XXXX opened a Chase credit card in XX/XX/XXXX ending in XXXX. As his daughter, I was designated as an Authorized User. That account was closed in XXXX and a new number was assigned to the account now ending in XXXX. ACCOUNT XXXX XXXX My father passed away in XX/XX/XXXX. In XXXX, I received a bill for his credit card in my name to my address. I have a copy of that statement if you would like. I spoke with Chase representatives about this issue multiple times during XXXX. Some key dates related to the information provided in this complaint are : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase claimed that I was not an authorized user but a joint user - leading them to report to my credit score bills that consisted solely of my father 's charges. On recorded lines, Chase representatives refused to provide me with documentation of joint status but claimed that my father upgraded me from an authorized user to a joint user. After meeting with multiple supervisors of local branches it was affirmed ( supervisorID : XXXX on XX/XX/XXXX ) that no one can " upgrade '' a person from authorized user to joint owner without consent and without application to Chase. I was also told by this same supervisor that Chase last had a status option of joint ownership, in the XXXX and XXXX. However, in the years at issue with my father 's bill, there was not even an option for joint ownership of a credit card account. At no time did I ever apply for status as a joint owner of the account or agree to be a joint owner. Since the summer of XXXX, I have repeatedly requested documentation proving Chase 's claim that you were a joint owner was repeatedly refused. In XXXX, while advocating to have Chase remove my name from the account ending in XXXX, I received a separate bill for over {$100000.00} in my name for an account ending in XXXX. It turns out this was my stepmother 's account ( she died XXXX hours before my father ). She was not legally connected to me in any form that I know of and I have no idea how her expenses were put in my name. ACCOUNT ENDING XXXX The last bill I received was in XX/XX/XXXX. I have copies of the bill from XX/XX/XXXX that I can send if you require it. That bill shows the following : Previous Balance -- {$16000.00} CREDIT -- {$97000.00}, for a remaining balance of NEGATIVE {$81000.00} Until XX/XX/XXXX, bills continued to come in my name on my deceased stepmother 's ( XXXX XXXX XXXX ) XXXX account, even though the XXXX XXXX balance was a negative {$81000.00}. I have claimed fraud to Chase in relation to both instances -- accounts XXXX and XXXX. Chase seems to have now merged my father 's expenses and my stepmother 's expenses into one bill because the XXXX account has charges from the XXXX accounts ( such as my father 's assisted living and prescription medication -- not one expense that I charged ). Presently : The balance of the account ending in XXXX is still being reported to my credit score, despite my having no access to those cards or accounts and the charges within being 100 % my father 's and his wife 's. Chase is claiming that despite the account not showing up on my online banking, their records show that I am liable. I demand that these bills cease to be reported to my credit score and that the errors in reporting since XX/XX/XXXX be corrected.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I cant open checking accounts anywhere because of using my information without my knowledge
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A