Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed that 1 week ago, my credit score has dropped by a lot. My credit score used to be a very good score and it just decreased. I found a credit account called JPMCB Card. I saw that it was opened in XX/XX/XXXX by using my personal information without my authorization, which affects my credit score. I never created it or used it so I contacted the company, JPMCB at XXXX on Thursday, XX/XX/XXXX, at around XXXX XXXX. The guy I spoke to transferred the line to the fraud department and they promised to investigate it and try and close it. Though, it still appears to be there. Yesterday, XX/XX/XXXX, I contacted XXXX XXXX XXXX department and Ive been told that this credit account, JPMCB, doesnt appear in their system and they couldnt do anything to help. I also wanted to let you know that Ive experienced fraud once before with my debit card. Im worried that my personal information was leaked since then. I appreciate your support.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all inaccurate information on my credit report and it says if i find that its incorrect i must contact XXXX XXXX XXXX or provide them with the report # XXXX. I also need to correct the address they have listed. The only 2 that I use is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX All the rest of address listed is inaccurate ....
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: On XX/XX/XXXX, I placed an order on XXXX. On Sunday, XX/XX/XXXX, I returned my order amounting to {$540.00} in-store. I have proof of this and am able to reference the date that I went to the store because I have an online receipt sent immediately after using the in-store returns portal. After a month had passed and I did not see my refund post, I called the merchant, XXXX, inquiring about my return. The agent on the phone processed the return for me and confirmed that a refund would be posted shortly. On XX/XX/XXXX, I received a {$26.00} refund, which I deduced was the refund for only XXXX of the items ; the rest of the order was not refunded. When I contacted XXXX again, customer service said that they do not know what happened to my return, even though the agent I spoke to previously confirmed that he had pulled up my return and processed a refund. They kept redirecting my call and when I left messages at the numbers they provided me, no one returned my calls. I then decided to dispute this with my credit card since the merchant was being uncooperative. I opened an online/phone investigation with Chase in XX/XX/XXXX. A few weeks later, I received notice that the dispute had been resolved and that my claim was denied. The only explanation they provided was that they concluded the charge was valid as a result of their explanation. However, they did not contact me at all for any proof or documentation. I contacted Chase again and they advised me to reopen the dispute by writing a letter to their headquarters. I reopened the dispute again, this time attaching documentation of my return receipt. A few days ago, my dispute was denied, again. Chase has not made an effort to properly investigate this. It is unacceptable for the consumer to have to pay a ridiculous charge because a return was lost on the part of the merchant.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Having checking account with Chase Manhattan bank regularly paying my Chase Manhattan bank credit card balance from my Chase account. In XXXX similarly arrange on Chase website payment from my Chase checking to my Chase credit card - {$490.00} for XX/XX/2023 having sufficient funds on the checking account funded with my Social Security benefits. Then Chase Manhattan Bank denied the transaction, sending me a letter-attached that recommends to contact my financial institution in order to clear the transaction and providing for my convenience the XXXX number of the institutiion - their own number. My attempt to resolve the issue connecting Chase via phone, and secure messaging did not come to results with cliche responses - " cope and paste '' contact your fiancial insititution to allow the transaction. I believe it is fraud focused on extortion late fee and interest payments to the bank. My majot concern is that if Chase Manhattan bank commting sch frauds what is a status of our banking system.
Company Response:
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CHASE informed me that my COVID-19 forbearance comes to an end on XX/XX/XXXX and that they would reach out to me to send the necessary paperwork to get my account current at the end of the COVID-19 forbearance as of XX/XX/XXXX. Prior to XX/XX/XXXX I filed a complaint because CHASE is forcing me into a deferment for the missed payments during the COVID-19 forbearance with a balloon payment at the end of my loan term. This is not what they initially shared with me and initially they shared with me that I would be able to extend my loan terms by the length of the payments that were on the COVID-19 forbearance. Needless to say, after filing this complaint for this issue, CHASE is now refusing to provide me the necessary paperwork to get my account current so I can resume regular monthly payments on XX/XX/XXXX and so my house does not go into foreclosure at the end of the COVID-19 forbearance. I need for them to send me whatever paperwork is necessary so I can exit the COVID-19 forbearance successfully and not be marked delinquent nor fall into foreclosure and so I can resume making my regular monthly payments as of XX/XX/XXXX as agreed upon at the start of the COVID-19 forbearance.
Company Response:
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My son, XXXX XXXX, XXXX, and I are joint account holders of a Chase College Checking account. On XX/XX/2023, I noticed two unauthorized transactions to XXXX XXXX in New Jersey. The first charge was for {$65.00} on XX/XX/2023 and the second was pending on XX/XX/2023 for {$280.00}. I questioned my son, who is a XXXX XXXX in XXXX, NY, about these transactions and he was adamant that he did not make either of these two purchases. Promptly on XX/XX/XXXX, we contacted the Chase claims department to file a dispute for the two transactions. They quickly deactivated the debit card associated with the checking account, issued a replacement debit card and provisionally credited the account for both unauthorized charges totaling {$340.00}. Chase Claim XXXX XXXXXXXX. The replacement debit card was promptly received and activated. We thought that the issue had been settled. Thereafter, on XX/XX/2023, I noticed that the provisional credits for {$65.00} and {$280.00} were reversed. When I contacted the Chase claims department, they explained that their investigation indicated that the charges were not considered to be fraud, as no new devices were used for these transactions and that there was XXXX XXXX recognition. This is completely untrue! My son and I are 100 % adamant that neither of us made these transactions. I asked the customer service representative to re-open the claim, but they refused without me providing them with new information or documentation. When I asked what I can provide to them to show that this was fraud, they could not provide me with an example. When I asked if they can provide me their " proof '' that these were supposedly legitimate transactions, the customer service representative indicated that I would have to take their word that the investigation findings were correct. By the way, we have yet to receive their investigation conclusions in writing. Why can't they provide me with the investigation documentation? Show me the supposed XXXX recognition, show me what device was used. This " investigation '' was conducted by some " back office '' department that can not be reached by phone or by email..This is completely unacceptable! I would like to see the documentation uncovered during their investigation. Ultimately, I would like our {$340.00} credited back to our account since these are fraudulent transactions. It is very known that these fraudsters and hackers are very sophisticated in how they manage to obtain a customer 's information and run rampant on that individual 's accounts. The banking institutions are falling short in protecting the consumer of these cyber crimes, so we have to pay for it? No, unacceptable! Please have them return our {$340.00} as soon as possible.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: JPMORGAN violated 15 USC 1681i by failing to do a reinvestigation and is liable under 15 USC 1681o. A letter was mailed certified mail to XXXX ( XXXX reporting agency ) XX/XX/2023. XXXX opened account disputes XX/XX/2023. Report number XXXX. Jp morgan was suppose to do a reasonable investigation but negative information is still reporting on my consumer profiles.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Its Hard Inquiries On My Report I Dont Recognize
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had wire transfers of {$150000.00} on XX/XX/XXXX and XX/XX/XXXX for XXXX go out that were unauthorized. I contacted the bank in person on XX/XX/XXXX and reported they talked to the wire transfer team and I filled out paperwork and they said they had everything needed. They said it should be settled in a month. Later they asked for more paperwork that was already sent in, then a third time. Then on XX/XX/XXXX they sent out the paperwork a forth time. The paperwork was submitted properly the first 3 times according to the bank. After the 4th time they wanted more info so I filled it out and sent it in a fifth time, then they still wanted more so filled out a sixth time. In XXXX of XXXX they denied the claim stating it took to long. They stated that they last claims 4 thru 6 took to long for them to get the paperwork and right info. However like I said I had previously filed 3 other claims which they stated were done correctly but decided not to mention in denying the claim. They also claimed I walked into the same bank that I opened an account with to make the wire transfers with the same information. This is a total lie. Also they closed my account in XXXX of XXXX and it had {$6400.00} left in it. This is money I deposited into the bank myself. They told me I couldnt have it because someone who I didnt know tried to make multiple deposits into my account under several names. First off I didnt know the person, next I dont know how they would know my account information unless they got the wrong account. Also it would be the banks fault for allowing something like that to happen. They didnt want to give me my funds back due to this.
Company Response:
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: my wallet was lost and it looks like my card was used many times in XXXX XXXX, i informed chase bank, and the dispute was put through and later on the dispute was canceled. other cards of mine were also used and chase asked for me to send them the statements form other banks as well which i did, my other credit cards disputes were cleared but chase did not clear theirs
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A