Date Received: 2023-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my Chase Southwest Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked XXXX and XXXX to verify the account and they deemed it accurate. My credit report of XXXX XXXX XXXX are still showing these inaccuracies. According to USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Thank you for hearing my complaint and I look forward to hearing from you soon.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX Account Name JPMCB CARD Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear Chase Customer Service, I am writing to express my dissatisfaction with the service I have received from Chase Bank. I have been a customer for one year and four months and have maintained a checking and savings account with your bank during this time. Recently, I applied for a new credit card with Chase Bank. However, I have been repeatedly told that I do not hold an account long enough to be eligible for the credit card. This has made me feel extremely uncomfortable and has left me wondering if Chase Bank values its customers. I am disappointed that after being a loyal customer for over a year, I am being denied access to a credit card that would provide me with financial benefits. This not only undermines my trust in Chase Bank but also hinders my ability to manage my finances effectively. I would like to request that you review your policies and processes for credit card eligibility and make them more transparent and fair. I also request that you provide me with a valid explanation for why I am being denied a credit card despite being a customer for over a year. I hope that this issue can be resolved promptly and that you will take necessa ry steps to improve the level of service you provide to your customers. Sincerely, XXXX
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am responsible for the account, this is a stollen identity, but all attempt to resolve it proved abortive. The account was opened fraudulently on Amazon online account and not JB Morgan chase as claimed. My identity was stollen and used for this account. Chase must remove it from my account.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: First I went to deposit the check at the bank. The bank teller start to ask me very intrusive questions. After, I asked for a supervisor the supervisor was rude and said its their job to ask questions after I said the questions were intrusive ( which is in video ). I was giving misleading information saying that my check was on a 13 day hold then they said it wasnt. Anywho I left the bank spoke to the check and clearing department and the guy informed me that itll be 24-48 hours for the check to clear, I replied okay. I called back the next morning then I spoke with a representative and she said its showing insufficient funds she basically was saying the check bounced back, then I started laughing and saying theirs no way, then she began to say the funds were on a hold because the bank didnt send the money at that point I started to become very frustrated because I felt as if I was being discriminated against, I already had to deal with discrimination when I deposited the check. I got off the phone with the representative and called the XXXX XXXX bank and they informed me the funds were not on a hold. The representative at Chase was giving out misleading information. I called JPMorgan Chase back then I spoke with a supervisor and he verify and cleared that the funds were their but he said he wasnt going to release it, he said he could but he didnt want to be in the office basically saying he would be punished for releasing MY FUNDS. I asked him repeatedly why couldnt he release them and he didnt give me an answer. And hung the phone up in my face. ( I have the whole conversation on video ). Anywho I called again and spoke with someone and the representative informed me that the funds were on an extended hold and they could not be released, the supervisor that hung up the phone in my face put it to where no one could release the funds because it wasnt that way before, he did it to be mischievous. The representative gave me examples of why banks will do this he said a person writes out a check of {$500.00} to a good person, the good person deposits the check and the bank make those funds available as soon as possible a person writes out a check of {$500.00} to a bad person, the bad person goes to there computer and scan it to XXXX my check amount is XXXX he was literally talking about me he was discriminating against me ans saying I changed numbers on the check. ( I have the whole conversation on video ) I called the chase XXXX XXXX and spoke with someone to add on the report and I began to cry because I felt as if my character was being played with, how dare you say I am a fraud or a con-artist. I began to break down and explain to the representative why I needed my funds released because it was to get the repairs done on my car etc. I also began to explain why people need to be mindful what they say because people are suicidal and they cut themselves etc. She asked me if Iwas okay and I said yes I was I literally just only had a mental breakdown. After I got off the phone with her XXXX minutes later the police show up to my house saying they got a call and trying to get me admitted to the hospital because of what someone said.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check from XXXX XXXX XXXX was deposited into my savings account at the XXXX XXXX XXXX branch in XXXX XXXX CA on the XXXX of XXXX. Savings account number XXXX. The funds were taken from XXXX XXXX XXXX on the XXXX of XX/XX/2023 from the issuing bank and Chase states that the check was on a mandatory 11 day from deposit date despite this. The bank and writer of the check were notified by me in person on the XXXX of XXXX and both concurred that there were sufficient funds in the issuing bank account. I asked Chase bank via their customer service number XXXX if they could waive the 11day hold. I was told no. I think this an unfair business practice and am filing a complaint. Thank you for your time XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, a fraudulent transaction was posted to my account that caused my account to go negative. I reported the charge as fraudulent the same day. After reporting the charge as fraudulent, Chase informed me that a temporary credit would not be applied to my account for 10 days. I literally have no money until the temporary credit is applied.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received my pay check direct deposit on XXXX it is now XXXX the bank has not processed the direct deposit and it is just sitting there in limbo. They have not made those funds available to me. As I understand those funds should be available next business day.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 USC 1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2XXXX I used the Chase ATM on the street. On XXXX XXXX XXXX XXXX XXXX XXXX, the phone showed Chase Bank, called me and claimed that an unauthorized transaction happened. The woman on the phone said she was the staff of Chase Bank and had all my information ( including address, account number, etc ). She said she is trying to help me. Then at XXXX, there are three ATM transactions happened. I called Chase Bank fraud apartment immediately. Chase Bank gave me temporary credit and began the investigation. On XX/XX/XXXX Chase Bank closed the investigation and believe that the transactions were correctly processed and authorized. They will remove the temporary credit.
Company Response:
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A