Date Received: 2023-04-06
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Chase Bank is in violation of the Equal Credit Opportunity Act for failing to respond to my credit application ( # XXXX ) within the federally mandated 30 days. On XXXX XXXX XXXX, I applied for a Chase Freedom Unlimited credit card. On XX/XX/, they mailed me a letter asking me to verify my identity within two weeks of my receipt of their verification letter. I called the phone number Chase provided ( XXXX ) on XX/XX/XXXX, and received an automated response telling me that my identity had been verified and that I should wait 7-10 business days to be approved or denied. I called multiple times to follow up with the status of my application and was informed that it was still pending. It is now XX/XX/, and upon another follow up call from me, I learned my application has now expired. I was informed that my application expired because Chase could not confirm my idenity. I explained that I called the number they provided within the appropriate amount of time, and they said that the number I called should have routed me to a live agent who could have verified my identity. The number they provided does not do so ; it only results in an automated response that provides false information to applicants telling them that their idenity has been verified when it, in fact, has not. Upon speaking with a supervisor in Chase 's credit identity verification department, she informed me that Chase is aware of the issue and that I'm not the first applicant to have been provided false information via the automated line that they provide to their customers. In other words, Chase Bank is knowingly providing credit applicants with false information about the status of their applications which is then leading Chase to violate the Equal Credit Opportunity Act by not responding to their credit applications within the mandated 30 days.
Company Response:
State: IL
Zip: 60654
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: Hi- I reported that I was the victim of wire fraud to both my bank Chase as well as the bank that received the funds, XXXX XXXX. The wire was for a purchase of {$13000.00} and occurred on XXXX reported this morning on XXXX. I started to get suspicious when the seller told me they dropped my package and provided a XXXX number. I of course checked but it was just a label and had not yet been scanned. After 24-hours I started to get suspicious so I contacted XXXX. They confirmed that they did not physically have it and that I should check with the seller to see when they would be dropping it off. From this point, the pieces all made sense. I started looking through everything. The name on the bank account didn't match the home address. The XXXX label was printed half way across the state from a different location. An email address that XXXX only could find linked to the sellers posts. Now feeling helpless, I contacted Chase on XXXX hoping they would put their expertise on full display. They seem to showcase their " fraud protection '' as something a customer should feel peace of mind about. On the contrary I was told that this was my fault and my liability since I initiated the wire however they would put in a request and contact XXXX XXXX to see if anything could be recovered. They said this is a long process and no guarantees. I contacted XXXX XXXX on XXXX and they did not have a way that I could report wire fraud on an account I had sent money to. I asked if there was anyone I could talk to regarding how they handle wires on fraudulent accounts- they said that the wire transfer team does not take calls. I am frustrated that these huge banks haven't figured out how to work together to protect customers. They make it so easy to send money but when the criminals use the system against us the road to recovery is a long-winded process. Banks should stop being a safe haven for criminals and work to help customers trust that they'll be taken care of.
Company Response:
State: IL
Zip: 60067
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I paid/spent {$1100.00} worth of Chase Ultimate Reward points to book two ( 2 ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. XXXX was predicated on Terms and Conditions that allowed FREE CANCELLATION.
Company Response:
State: PA
Zip: 19087
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: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: My lease will expire in XXXX and I got a XX/XX/23 letter advising options from which I chose to get lease purchase financing with an application link for XXXX. I applied for a loan ( App # XXXX ) assuming a seamless process since the lease went thru Chase and I had a credit score of XXXX. After a hard credit inquiry, my application was not approved with subsequent written advice with their reason : " Unable to add or remove names of Lessee ( s ). '' I called Chase on XX/XX/23 and told that my wife was not included in the online application. I advised that their simple inquiry to that end could have addressed that issue before a denial as a hard credit inquiry affects my credit score. Chase rep then advised that I would have to re-apply again which would require another hard inquiry and my original application could not be resurrected. I feel this is an unethical as my credit score would again be subject to a hard inquiry lowering my credit score as opposed to just amending my original application. I should only have to apply once. This is a terrible practice that should not be used.
Company Response:
State: MA
Zip: 026XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The problem is with JP Morgan Chase 's credit card product, Chase Sapphire Reserve, and their Card Benefits Service. I filed a Trip Cancellation claim ( accompanied by all required documentation supporting the covered event ) via their website XXXX XXXX XXXX on XX/XX/XXXX for an incident which occurred on XX/XX/XXXX. Since that time, I have followed up via telephone on XX/XX/XXXX and XX/XX/XXXX, as well as regularly checked the status of this claim online multiple times and received the same response : my case is pending. I submitted emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only email submission that Card Benefits Service responded to was my XX/XX/XXXX email where I advised them that I would be contacting the CFPB if my claim was not adjudicated ; their response was to assert that I needed to provide documentation that I had already provided. It has been over 5 MONTHS since I filed my claim. As of today, XX/XX/XXXX, their web portal continues to show my claim as PENDING ( screenshot attached ). Card Benefits Service operates in bad faith, giving the consumer the run around when they even bother to respond, in a clear effort to not pay the claim. The CFPB should have this company on their radar as they operate in a borderline fraudulent manner. Plenty of complaints on the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. attest to the fact that my experience is not an isolated one but rather, the way Card Benefits Service does business.
Company Response:
State: NY
Zip: 10708
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, JPMC Card Services. They are using my information to make fraud with my social security and affecting my credit. XXXX XXXX XXXX MY P.
Company Response:
State: IA
Zip: 51501
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today I received an alert from XXXX after my XXXX was stolen, stating that someone had applied for a Chase credit card in my name. An inquiry was placed on my file ( s ). I did not apply for a Chase account, and request that the inquiry be removed. I have taken steps to freeze my XXXX report for now.
Company Response:
State: CA
Zip: XXXXX
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 making or receiving payments
Consumer Complaint: I opened a checking account with Chase Bank in XX/XX/XXXX and had a monthly IRA distribution electronically deposited. Beginning in XX/XX/XXXX and yearly after that I had money electronically transferred to pay my and my wife 's long term care policy premiums. in XXXX my long term care insurance company by letter told me my bank account was blocked /frozen. The couldn't get the payment. I was never notified by XXXXhase that this action was taking place. Every month I received a statement from Chase with my Ira deposits listed and the balance in my account, indicating they knew my address. I called their customer service department to get information ; they directed me to my local bank. At the local bank they reinstated the account. They said the account was blocked because I had no personal dealings with them for 30 months ; although they received my IRA distributions and sent me a monthly statement. At the local branch I enquired about not being notified about this blockage. The representative tried to find out by telephone who was responsible for these notifications ; after about 15 minutes she said she couldn't find out who was responsible and I should be happy the account was unblocked. I think the banks should by law notify their clients about this process. I think this also occurred because I also used Chase to get foreign currency when I traveled. Because of Covid I haven't traveled for three years.
Company Response:
State: IL
Zip: 60077
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX, JPMCB CARD, XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Company Response:
State: NY
Zip: 11763
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: Other transaction problem
Subissue:
Consumer Complaint: I received a wire deposit on XXXX XXXX into my Chase business account.On XXXX XXXX chase froze my funds and when i tried to log into my account it was closed.I have spent numerous hours on phone and traveling back and forth to local branch.Chase says they need to verify funds and speak to sender.I have given them all phone numbers to company and chase claims they can not verify numbers in there system to reach out to sender so i am stuck still waiting on my funds and have no solutions.I have submitted all documentation to chase bank.My business XXXX along with wire confirmation from sender along with my finance contract showing my legal name the business legal name with my social and tax payer id on all paperwork
Company Response:
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A