Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The address they have listed is incorrect.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I paid for a car repair on XX/XX/XXXX with my debit card. 3 months later I had the same problem. I approached the dealer but he refused to refund. I went to Chase bank. I put in a dispute on XX/XX/XXXX. At the time I was not told of statute of limitations. They credited my account for {$3600.00}. Then 3 weeks later they reversed it. My account was overdrawn. I feel that I was treated unfairly. I should have been informed of this policy. I want the bank to reimburse me now.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The person that chase assigned to resolve my issue doesnt understand math and its impossible to fix the issue without knowing basic math, the forbearance amount placed at the end of the loan should be 12 payments and chase mistakenly only put 8 also started foreclosure when repeatedly told me they wouldnt and that created an extra cost. I need those fees removed.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX @ XXXX I contacted Chase customer service as I had noticed a significant amount of fraud had taken place from XX/XX/XXXX to XX/XX/XXXX while I was in patient in the hospital. I spoke to the representative and they stated that I needed to dispute the charges with XXXX, and XXXX first, but that they would put a stop on any XXXX transactions from coming out of my bank account until this was resolved. I begin the process of disputing with XXXX and with XXXX, and those claims were said to have found fraud, but that they were each pointing the finger at each other, and saying that Chase need to be responsible or the XXXX or XXXX did no one want to take responsibility. XX/XX/XXXX I noticed that {$4000.00} in XXXX charges were still being taken out of my account so I went into the XXXX branch and the young gentleman in there helped me to dispute all the rest of those charges and actually this time ended up canceling my debit card and issuing me a new one that would be mailed to me. stating that he did not understand why these charges were still being taken out since I had to speeded on XX/XX/XXXX. He said that these funds will be put into my bank account while they investigated and then it would be probably 48 hours before they even got all XXXX documents that he helped me fax in supporting that I had my account hacked, and that this was fraud. XX/XX/XXXX the funds have never been added to my bank account while they investigate I noticed that charges are still coming out of my account from XXXX and other {$700.00} worth so I contact Chase customer service and the customer service rep informs me that the new debit card has been mailed to me that I have not yet even received is now activated and is already having fraudulent charges taken out on it. We file claims on those charges. And I was told those funds will be deposited into my account while I wait which they were never deposited either. I told bank it sounds like this is an internal job as theres no other explanation as to how someone receive that debit card information and activated the card before I ever even received it. XX/XX/XXXX we try to use our debit cards and nothing is working on them so I go into the bank and they stay to me that they are closing out my account and not refunding my money. As Im sitting there with the bank employee only at that moment did I receive a letter through email stating that they needed to get in contact with me immediately and I needed urgently contact them or they were going to close my account. She is on the phone with them at that very moment and they said that my account is already closed and that They were giving no explanation. So the letter was just to save face because they were not going to give me the opportunity to discuss anything with them. They had already determined that they were closing my account long before they even gave me the opportunity The reasoning they said that it came from an identifier of mine whatever that means then they changed it and said that they had sent me a email on XX/XX/XXXX while I was in the hospital and that I confirm that these charges from XXXX were from me. I showed the bank teller right there that I did in fact have an email and showed him that I had never even opened let alone confirmed it and he saw that with his own eyes and even pass that information along to the representative on the phone. Regardless, I had called on XX/XX/XXXX to report fraudulent charges and they did not stop these payments from coming out. so knowing that the accounts were restricted or closed, I let them know that mine and my daughter whos on a high school checking account attached mine paychecks would be direct deposited on Friday and it was Wednesday so they were probably already sitting there at the bank, waiting to go into our account. and they assured me that those checks would be able to be deposited and that will be able to come to the bank and withdraw All the funds. XX/XX/XXXX I go onto Chase Bank branch to withdraw our funds, and they said that our paychecks has been returned to our employer even though they had told me that we would be able to withdrawal them once deposited even though the account is restricted. I leave the bank very upset go and call my employer who stated to me that they in fact, have not returned our paychecks to them and they still show deposited. So I called customer service and spend two hours on the phone with them being sent from one clueless person to the next. Only then getting sent to another person who accidentally dropped the call. So I then call the XXXX branch and speak with XXXX again who tells me oh yeah, it could take up to three days for that to show back up with your employer, although she failed to tell me that while I was actually in the branch earlier so now I am out the {$6000.00} in fraud that was preventable had Chase did their job and not Continued letting XXXX charges come out of my account but Im also missing mine and my daughters paycheck equally {$3500.00} so Im out over a months worth of income and my electric bill is due and theyre going to shut it off tomorrow if not paid and Im a single mother to a XXXX XXXX child who is on a XXXX XXXX XXXX XXXX so electricity is very important and we will have to go stay with someone until this is resolved and Chase says theres nothing that they can do to help me. I have contacted an attorney today as I have all documentation to back up what Im stating and I am pursuing legal action. As it is their right to close my account out if they so choose but it is not there right to take my money and give me no reason as to why they arent refunding it, or is it there right to hold or steal my paycheck and my daughters paycheck from us. I disputed the charges in the way they had told me to they did not do what they told me they would do and they will offer no explanation as to why they are doing what theyre doing. This is causing me a lot of stress and grief, and I plan to pursue this to the fullest unless they reimburse me what they owe me due to their negligence in keeping my money safe as a bank is supposed to do.
Company Response:
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
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: Related to my Chase Presidential Plus ( United branded ) credit card : On XX/XX/XXXX, we received Invoice # XXXX from XXXX XXXX ( Invoice attached ) in the amount of {$53000.00}. We were paying with our credit card and had to split the payment in two installments over two days. I called the office of XXXX XXXX and spoke to XXXX, she agreed to split the bill in two, processing half, {$26000.00}, on XX/XX/XXXX, and the other half on XX/XX/XXXX. When I received our credit card statement the end of XX/XX/XXXX ( statement attached ), I saw that only XXXX of the charges was reflected. I called XXXX XXXX office and as I recall, we agreed to give the second charge a little more time to see if it would process. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX because the second charge never processed so we agreed to have the second payment rerun assuming there was an error in the original transmission. The rerun {$26000.00} was reflected as of XX/XX/XXXX, on our XX/XX/XXXX credit card statement ( statement attached ). Upon processing of the XX/XX/XXXX charge, the invoice was paid in full. Now a year later, on our XX/XX/XXXX statement ( statement attached ), a charge from XXXX XXXX in the amount of {$26000.00} was listed. XXXX XXXX has stated they have not received credit for this charge. I have attached a letter from XXXX XXXX confirming the payments received and not received ( see attached ). A little more detail : When the charge from XXXX XXXX of {$26000.00} appeared on our XX/XX/XXXX statement we were confused as XXXX XXXX was no longer accepting credit card payments. We called XXXX XXXX, XXXX of XXXX XXXX, to inquire about the charge and he knew nothing about it. In early XXXX of last year, I proceeded to file a dispute with Chase. To file a dispute, you find the transaction in your Account Activity and click the arrow to the right of the transaction to file the dispute. When I did this, it referenced the transaction dated XXXX XXXX and I believe it said to call Chase as it was not eligible for the typical dispute form. Upon seeing the date, I remembered back to XX/XX/XXXX, double checked my records, and realized this was related to the XX/XX/XXXX, charge that we thought did not process. I called Chase and explained the situation I was stonewalled by several representatives, even talking to XXXX supervisors, all of whom said because of the date of the transaction ( Origination date ) it could not be disputed. I dug further and found on Chases website Dispute a Transaction, which said you cant dispute a credit card charge thats still pending, or that has appeared on your statement for longer than 60 days ( document attached ). It seemed to us this transaction was clearly eligible for dispute as we disputed it within a couple of weeks of it appearing on our statement. Chase continues to say they can not get this dispute past Mastercard because of the origination date issue. Attached are three letters from Chase. The first dated XX/XX/XXXX, acknowledging the disputed charge. The second one on XX/XX/XXXX said they needed more documentation. It was after this letter that we reached out to XXXX XXXX to get a letter saying they had not received the funds for this XXXX charge and that the invoice that generated these payments was paid in full in XX/XX/XXXX. I sent all this information from XXXX XXXX to Chase on XX/XX/XXXX, along with my summary ( attached ) of the original transaction that generated this mess. On XX/XX/XXXX, we received Chases third letter saying the dispute was resolved and that they determined the disputed charge was valid. Again, I called Chases dispute office and based on my conversation with the representative, we thought the XX/XX/XXXX letter was generated before a complete review of the documents I sent on XX/XX/XXXX so I should give it a little more time. I never heard another word until we received our XXXX statement on XX/XX/XXXX ( statement attached ), and it showed we were being charged {$440.00} in interest for a past due balance. This morning I called Chase and they said XXXX would not accept the disputed charge because of its origination date, despite the fact we did not know about it for over a year. I asked to whom I could speak with at Mastercard and was told they do not talk to customers. In summary, Chase has billed {$26000.00} three times to our account for XXXX XXXX. XXXX XXXX says they have only received two payments of {$26000.00} from our credit card account. We only owed two payments and XXXX XXXX has been paid in full. Either Chase owes us {$26000.00} plus all interest they have charged, or they need to prove that XXXX XXXX got the money from this third charge, and we can collect from XXXX XXXX. I have called Chase at least six times on this matter and have easily spent XXXX hours researching, calling, and documenting this matter. XXXX XXXX was never contacted by Chase or Mastercard. I noticed my credit score has dropped from Excellent to Good which I am sure relates to this matter and the fact we have been carrying the high balance on our credit card for several months. On XX/XX/XXXX, after over five months of trying to get Chase/Mastercard to recognize and correct an error they made, I received a credit for the erroneous charge to my credit card along with the accrued interest on the " unpaid '' balance. As a result of this error made by XXXX XXXX XXXX spent a minimum of XXXX hours speaking to Chase representatives XXXX gathering and submitting documents supporting the reason for reversing the erroneous charge, hiring and meeting with an attorney, and calling XXXX at XXXX extension # XXXX ( none of my, or my attorneys multiple phone calls, were ever returned by XXXX! ). The way this issue has been handled by Chase is beyond frustrating. Because I could not get Chase to take action to correct their error after three months of phone calls and correspondence, I had to hire an attorney. My attorneys letter did seem to get the attention of the Executive Office, and while the communication since the Executive Office received the letter has been abysmal, the issue was finally recognized and corrected. I have incurred legal fees in the amount of {$970.00} to get this matter resolved, and expect Chase to reimburse me for these fees. On XX/XX/XXXX XXXX finally called me! He said Chase would not be reimbursing me for the legal fees nor would they send a letter to the credit bureaus.
Company Response:
State: TX
Zip: 78731
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. XXXX has failed And XXXX XXXX has failed.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: A tow truck driver arrive to my spouses job and did not follow the LA state laws of removing a movable vehicle peacefully. She called me frantic after going to the parking lot in the hospital where she worked and another patient told her the tow driver just left with her car. She received a theft alert on her phone so she had to leave where she was working to rush downstairs to see who was breaking into her car. This is ridiculous. Chase Bank hired these people and should be held liable. They violated several consumer laws and should be placed out of service for good. I have called JP Morgan chase multiple times since the repossession of the vehicle and tried to pay them XXXX the same day to reinstate the loan and allow me to catch up. They told me my account had been charged off and they could only accept the full amount of the vehicle which was XXXX or try to get financed through another financial institution. I called and got another bank to get me approved. I immediately called chase back and told them I just needed a letter on their letterhead or a bill of sale to give to the new bank. Every time I called they stated it would take 48 hours at least. I have called them multiple times every day since XX/XX/2023. Every single representative gives a different answer. In Louisiana, you have to notify a consumer about the right to cure prior to redemption of their assets. Also, repos have to be performed PEACEFULLY and it was not. The police were called and everything. My credit report says written off as a bad debt but Chase says it was charged off. They want me to give them the money after an illegal repossession proceeding according to my state law then pay them XXXX back after they have already written this debt off with the IRS on their business taxes. This has to be illegal. If CFPB cant help solve this then big lenders like chase will continue to run over the very same people who trust them with their money.
Company Response:
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a account in my name and also have applied for a credit card in my name and this has been going on since 2019
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a chase business credit card & they are wrongfully declining me to obtain credit, my personal report is perfect my business credit is also expediential. im a XXXX XXXX & XXXX plus duns number my reply states i have a derogatory which i do not i can provide both docs if needed, there is no true reason to deny me when i am personally garneting the card with my personal credit audit.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Good Evening.. my dears At Consumer Financial Protection Bureau XXXX greeting I'm having difficulties getting My judgement Funds from Chase Bank, JP Morgan, I faxed my File Case XXXX three times From chase bank, XXXX California, branch on XXXXXXXX XXXX and so far no reply from chase bank side and Here 's what happened today Friday XXXX see As per my phone conversations, today Friday, XXXX XXXX with chase customer service XXXX Time : XXXX XXXX California pacific standard time , Case number : XXXX XXXX This is regarding my judgement XXXX Been faxed to 3 times to chase Court orders and Levies department, fax XXXX, so far nothing Received from Chase Court Orders Levies department Please find enclosed with My fax to you the Following Court Documents : * Plaintiff Federal Procedure Rules 54 B * My judgement Statement of Cost Please Process my judgement Funds as quickly as possible Since the judgement XXXX due since XXXX XXXX, thank you, for your help,
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A