Date Received: 2023-12-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am an international XXXX and I opened this Chase account at XXXX when I was a freshman. At XX/XX/XXXX, they closed both my checking and saving account for no reason. I called them but they just told me to wait. My Checking account number is XXXX, and saving account number is XXXX.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am a Chase bank customer with a checking account. I am not enrolled in overdraft assist/protection or debit card protection. On the following dates these recurring charges were allowed to be processed by Chase without my consent, although I did not have the funds in my checking account. {$440.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$8.00} XXXX XX/XX/XXXX {$7.00} XXXX XX/XX/XXXX {$27.00} XXXX XX/XX/XXXX {$5.00} XXXX XX/XX/XXXX For each of these transactions I was charged separate fees of {$34.00}. This caused me to be further and almost inescapably in the negative due to my current situation. Had I not been charged these fees I would have comfortably been able to resolve my situation with my paycheck. On XX/XX/XXXX I reached out to chase bank and one friendly customer service representative was able to process refunds for XXXX of those fees, totaling {$100.00}, then stated that the other XXXX were denied due to reaching the refund limit. I stated that I did not agree to those charges and that they need to be refunded, and asked to speak to a supervisor who could override the refund limit. She put me on the phone with XXXX the supervisor who was completely helpless. He stated that there is no one in the company who can override this curtesy refund limit. I informed him this should not be a courtesy, I didnt consent to be overdrafted in the first place, and if he wasnt able to help me with the situation then I would prefer to talk to whoever has more authority than him. He stated that there is no one available, and that even if there were, the outcome would not differ. I insisted on waiting to speak to another supervisor and he kept repeating the same thing and stated he would end the call if there was nothing else he could help with. I insisted that my issue was not resolved, and to not hang up as that would be unprofessional, and that I would simply like to speak with someone else. He then proceeded to end the call. At this moment I would simply like the remaining {$100.00} to be refunded, something that would not even make a dent in JP Morgans earnings, meanwhile us working class are struggling to pay for basic living expenses. I will also be looking into ending my checking account with Chase Bank and finding a financial institution with policies that better serve their customers.
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2023, my XXXX XXXX 's business credit card from Chase Bank was unexpectedly closed. The reasons provided were a history of poor credit performance with Chase and the total balance on my credit accounts with them. This situation arose following the closure of XXXX XXXX, where I was the senior pastor, on XX/XX/2023. The closure was due to a violation of the building lease contract by some church members. During this period, I incurred a {$1500.00} legal expense, charged to XXXX XXXX 's credit card, for dissolving properly the church as a non-profit organization. Unfortunately, this amount remained unpaid after XXXX XXXX closed its checking account and ceased operations. Believing this to be a business-related expense, I chose not to personally settle this debt. I have reached out multiple times to Chase to explain the unique circumstances surrounding the XXXX XXXX 's debt, and Chase took notes each time. Subsequently, I joined XXXX XXXX and was issued a credit card there, with no previous credit issues. Despite this, Chase Bank closed my credit card with XXXX XXXX and potentially reported negatively on my credit history. After a former member of XXXX XXXX learned of this impact on my credit, they offered to pay off the debt, and they did on XX/XX/2023. Yet, my subsequent attempt to obtain a new credit card for XXXX XXXX was denied. Currently, I am without a business credit card for my daily responsibilities at XXXX XXXX.
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I stayed in contact with the bank and wanted to have them to please wait until my tax return was in. They said they would wait and then before they came in they put me in the check system and closed my account causing a whole mess of problems
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/ I applied for consumer credit to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX. and was denied access to my credit. this is discrimination under 12 CFR 1002. also I was also informed in order to get approved, a down payment of {$40000.00} was required. In accordance with Title15 USC 1605, fiance charge is the sum of all charges and does not require a cash equivalent. In a consumer credit transactionI the property will be used by the natural person for personal family and household use. 15 USC 1602, I have a rite to credit. withholding my access to my securities is securities fraud and is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: JPMCB CARD I demand this inquiry be removed immediately its not mine Important dates Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Company Response:
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Chase Mortgage purchased 5 of my loans and started servicing them in approximately XXXX XXXX XXXX. I now have a total of 7 mortgages with Chase and have had nothing but problems with their accounting practices. My 2 main complaints : 1. They did not pay my insurance out of my escrow accounts on time and my Florida insurance policies got cancelled for non-payment. I had to apply for new insurance, where the cost went from {$1000.00} per year to {$6000.00} per year. They said it is possible the lender they purchased the loans from forgot to send them the details to make the payments. This is Chase 's responsibility to follow-up on. I had no idea they were not planning to pay the insurance. 2. My escrow account was updated with a higher payment in XX/XX/XXXX. I am on paperless billing and did not get a notification my payment amount changed. Once I realized the amount had changed, I updated my online bill-pay to pay the new amount and called Chase immediately to get my accounts all current. After approximately 40 hours on the phone, we finally got it right in XXXX XXXX At least we thought we did. Since XXXX, funds have been mis-applied to principle instead of to the required payment, generating late fees and issue I had to resolve monthly with Chase to back out the mis-applied payments. They then informed me I was confusing the system by sending payments 2 days before they were due, and I had to move my payments to after they were due, so the system would know what to do with them ( e.g., pay the XX/XX/XXXX payment on XX/XX/XXXX, rather than XX/XX/XXXX ). At this point, I have close to 80 hours on the phone with Chase. This seems to have resolved the issue on all except 1 account. I called today to get the last account fixed and they refused and said all payments have been applied correctly. I would absolutely love if they could have someone else service my loan. I have not had problems like this with a servicer not being able to do basic accounting since the XXXX with XXXX.
Company Response:
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Four separate transactions actions were made using my debit card though XXXX for the corresponding dates and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DID NOT make any of these transactions. Chase said they couldnt prove the claims were unauthorized which they were
Company Response:
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I wanted to update my earlier complaint but I was unable to so I am submitting a new complaint but it should be known that their is a previous complaint from the other day. This had the most pertinent information As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX and XXXX, being consumer reporting agencies, and I, as the consumer, have the explicit right to ensure the protection of my private information, as supported by 15 USC 6801. This statute articulates the Congress 's policy that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. Entities that furnish information to credit agencies, categorized as financial institutions, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only provide a consumer report in accordance with the written instructions of the concerned consumer. The financial institution, XXXX, XXXX, XXXX and any furnisher of information to credit agencies, do not possess my consent to furnish this information, and certainly not my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX and any furnisher of information to credit agencies. Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports, especially without the consumer 's permission, which is the case with the account in question. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A emphasizes that information should not be furnished to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX and XXXX and XXXX are not adhering to reasonable procedures, as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to maintain procedures designed to avoid violations of specific sections and limit the furnishing of consumer reports to specified purposes. In accordance with 15 U.S. Code 1681a - Definitions ; rules of construction, the term " consumer reporting agency '' is defined as any person that, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in the practice of assembling or evaluating consumer credit information or other information on consumers to furnish consumer reports to third parties. Such entities use interstate commerce means or facilities to prepare or furnish consumer reports. The term " consumer '' specifically refers to an individual. Moreover, a " consumer report '' is defined as any written, oral, or other communication of information by a consumer reporting agency that pertains to a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. It is crucial to note the exclusions outlined in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which specifies that a report containing information solely about transactions or experiences between the consumer and the reporting entity is excluded. Consequently, reporting transaction history without proper authorization is deemed illegal. In light of these definitions and exclusions, it becomes evident that the actions of XXXX, XXXX, and any furnisher of information to credit agencies in reporting transaction history without my explicit consent are not only a violation of my rights as a consumer but also contravene the legal provisions established by the Fair Credit Reporting Act. This further reinforces my objection to the unauthorized sharing of my private information and underscores the need for immediate corrective measures. Finally, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: From the email I received today about my NEW checking business account, that I dont even remember the last 4 digits on the account, I have several questions : 1. Why these hackers have the last four digits of this new account? 2. How they were informed I opened a new checking business account with CHASE? It could be any other bank. 3. How this information was released? 4. Who else is having this PRIVATE information in your organization? I have been more than an hour on the phone, and none of your specialists know nothing. Just another waste of time. My personal information has been obtained from CHASE in the past, more than 300 times, Im not amazed about that, but this is a new company, a new name, a new checking account, I don't even remember the last four digits on the bank account, neither the EIN, but this hackers I already obtained from you. I DEMAND AN EXPLANATION. Look the bold and underlined information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A