Date Received: 2023-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : JPMCB HOME XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened this account with Chase after my auto accident, this money was my settlement check. then I moved to XXXX XXXX AZ to live on some land that I bought. This account is only used for day-to-day expenses. From the day I opened this account I have never been able to use the online app. could never get it to work. So could not look at my statements. Every month when I used the ATM " the only one in town. '' I would check my balance. on one such an occasion I noticed my account had gone from XXXX to XXXX real fast S I used my phone to check the past ten + transaction and found a few 800 transactions. I had not made any large transaction on this account. SO I called the bank to talk to the claims department. they opened a claim for the transaction in XXXX that they found they were all XXXX transactions I do not have an account with XXXX and the transaction where all from XXXX XXXX. SO after they looked at XXXX and part of XXXX, they put the claim in for XXXX I got that money back in less than two hours. but at this point they got another 12 ; out of my account and now my account was empty. With the help of the customer service people, I was able to get my online app to work. and was able to look at my statements. And found many more transaction in the month of XXXX. SO the claims rep. took a another look at XXXX and saw all the transactions and we submitted another claim these too where all XXXX XXXX all out of XXXX XXXX. the same XXXX transaction tags as the ones on the XXXX I got back. this claim came to XXXX and after a few days the claim was denied. I called back to find out what was going on and to get them to explain why one claim was OKed and the other one with the same XXXX transaction codes was not no one can. I have sense had a supervisor resubmit the claim as he did not understand either. Just theis morning I got a letter in my app stating that the claim was closed. and no money has been returned I am a senior citizen and need my money back, so I can get my meds and pay rent and eat. Can you help me? btw a simple XXXX search will show that this is happening all over and is a very bad scam. The XXXX ads that is.
Company Response:
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Chase Slate sold my account to XXXX XXXX XXXX in 2019. Then they reported cancelled debt to the IRS. The are wrong to report it as cancelled as I settled the account with XXXX XXXX XXXX and not Chase. The amounts cancelled are listed as close to {$1900.00}. I settled the account for about {$1700.00}.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX Consumer Financial Protection Bureau, Yesterday, I received a letter on Chase letterhead dated XX/XX/2023. Said correspondence arrived in a white nondescript envelope that I had initially set to the side as probable Junk Mail. Once I opened the letter I was surprised to see in bold letters " We have decided to close your accounts ''. I immediately panicked. The anxiety caused my XXXX XXXX to rise and I became ill at the thought. At XXXX XXXX. EST, I called the number in the letter - ( XXXX ) XXXX. The automated system provided me with the option of a callback within 12 minutes. I left my number and took the time to call my accountant and ask him for advice / direction. At XXXXXXXX XXXX EST, I received a callback from XXXX. He basically read from a script nearly identical to the letter I had received. He could not provide me with any additional details. I asked XXXX to escalate my call. Several minutes later, XXXX introduced me to XXXX from the Fraud Prevention Department. Again, XXXX could not offer any insight as to why my accounts ( all four ) would be closed. I asked if there was anyone else I could speak to and she said 'no '. She mentioned that my relationship with the bank was " at-will '' and that they have decided that due to " unexpected activity '' my accounts would be closed. I shared with both representatives that ( to my recollection ) I had never bounced a check or had insufficient funds in my account. I have never been in trouble with the law save a minor traffic violation many years ago. I am not presently ( nor ever been ) involved in any sort of criminal or illicit business / industry. My relationship with the bank goes back many years without issue. I have a terrific relationship with my branch. I can not imagine why this happening. This will undoubtedly affect my XXXX Score when I have worked tirelessly to safeguard my credit. In many respects, this is defamation of character. The bank 's decision will undoubtedly tarnish my reputation and worthiness as a banking consumer. Employers have " at-will '' clauses in their offer letters but are still liable for wrongful termination. And this is precisely what has happened to me. I have downloaded my XXXX Report with XXXX and there is nothing contained in their report that would justify the closing of my accounts. Most recently, there appear to be two inquiries from XXXX XXXX XXXX but these were due to my employer opening business accounts that named me as an Authorized Signatory. Completely benign as far as I know. Nothing else appears in the report. At all. Please help me.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check in Chase Bank on XX/XX/2023 in my business account. I contacted my customer and the my customer said that they had already paid the money and their bank showed that Chase had received the check paid by my customer in full on XX/XX/2023. I also confirmed that Chase had got my money. The bank put a hold on my account and froze my money and asked to do a check verification. I did not hesitate to cooperate with them for this certification. At the beginning, Chase asked me for bank authentication and did not accept the phone number provided by my customer, and said that this number could not be authenticated by Chase system. Both my customer and I felt very absurd, because this number has been used by their company since its establishment, and this phone number is also written on this check. I have also been in touch with my business customer and the business that's issued this check is willing to help me to authenticate me, and fax their bank information proof that the money has been deducted ( cleared check ) to my email. I went to the bank counter with the documents, but the bank still did not unlock my funds. In various ways, I felt discriminated against. I felt that the bank was discriminating against XXXX people! Not a little bit of help to solve the problem, all kinds of troubles for me and this is too much!
Company Response:
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the atm on XX/XX/23 to deposit XXXX in my new account with chase for my bills I have been calling them about my deposit. The receipt shows card last XXXX of XXXX sequence # XXXX and advised me to call XXXX to see if money was available I need my money today is my payday and I thought using this account except for XXXX would be better Im trying to build credit to buy a house. Chase is constantly giving me the run around
Company Response:
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I opened a previous report stating that I had been denied an extension of my own credit from Chase bank. I sent Chase a handwritten letter asking them to please explain to me how a consumer is being denied. Chase bank responded back with a generic computer generated response. Their was also a supervisor by the name of XXXX who stated on a recorded line that he was aware of the laws I provided them, and that he was ok with Chase bank breaking them. He made it very clear that he didnt care about what the consumer laws states.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX this is my previous complaint number, XXXX XXXX XXXX has been no help and they have destroyed my credit
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Hi I purchased a XXXX XXXX XXXX from XXXX XXXX of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX Chase repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a XXXX and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX did file with FTC. Chase has enter a Repo saying XXXXXXXX the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: CHASE bank XX/XX/XXXX Checking account available balance- {$1400.00} XX/XX/XXXX Check deposit of {$9500.00} XX/XX/XXXX Check {$9500.00} posted available balance + {$8000.00}. deposit hold and restricted online account access. XX/XX/XXXX went to chase bank Deposited XXXX XXXX XXXX substitute check amount of {$15000.00} at the teller without issue. I asked for helped to get me back my online access. Branch said they cant do anything since the back office placed restriction Called chase bank XXXX XXXX XXXX was told account was closed. Refused tell me reason why but was told after 7 days. remaining funds will be sent to my address. XX/XX/XXXX substitue check posted and made available balance. of {$15000.00} I dont have any direct access to account except info from text banking. XXXX XXXX substitute check deposited bounce. XX/XX/XXXX internal XXXX debit of {$8000.00} account balance XXXX. its already XX/XX/XXXX. I have not received anything from chase. I called several times and was told that account is already closed. Where did the balance on my account go?
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A