Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Dear XXXX & JP morgan chase I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER. This has effected my case with CFPB and JP Morgan Chase because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. I even verified myself before and I have full evidence of Consumer Report showing my number. I believe XXXX made a error and contacted CFPB claiming to reach me when i was the one to make BOUND calls to XXXX. This is unfair and causing me to pay monthly for a auto loan that my private seller ( XXXX XXXX ) can not cash because CHASE & XXXX are not doing there correct part at ALL First the problem was being unable to verify my number, now because of this incident Chase executive left note saying Not to call my number according to Chase fraud department Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is reporting on my credit report as a hard inquiry which is giving me a hardship which is stopping me and slowing me up from reaching certain goal. I've spoken with them to try to fix this problem and haven't gotten any solution. this company has stolen my identity. I know under 15 U.S. Code 1681 c-2 Block of information resulting from identity theft its against the law to use someone identity without there permission. I was mislead by a third party company they work with which I was told they don't do hard pull on our credit but it did so under 1006.18 false, deceptive, or misleading representations or means. these two laws was used against me and many others
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There were fraudulent charges on my checking account from XXXX, {$460.00} for a hotel in XXXX. I reported it. Chase bank said they were look into it. They sighted with XXXX based on false information. They have not proved that I booked that hotel, or I were present in the hotel. there has been online fraud scams on the internet. There have been fraudulent charges from Chase before. Chase has been secretly stealing money from my checking account. Please Help Me!
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I used the online banking system provided by my bank I havent had to inquire a rejection of payment using the online banking service When I contacted them by using the website/ mobile app they said that I had to contact there expertise of another team called XXXX XXXX XXXX that I have never received any information on until now XXXX press option 2 from XXXX Chase email servicing because will all transactions that are not processed they have to notify you of that be email or USPS mail if this transaction was an NSF my account would have been debited and an notification would have been sent and I received nothing but a late fee for this transaction not being processed by the bank
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: I did XXXX wire transfers on XX/XX/23 for a total of XXXX, from my bank in XXXX, XXXX XXXX XXXX XXXX to bank account in JP Morgan Chase in XXXX, the funds were never put into that account, and the purchase that I was trying to do never happened, I told my bank to let Chase know that and to return the money back to my account. This never happened, Chase is saying that the Department of the Treasury was holding my money because it was meant for a purchase of a house in XXXX, which owner of said property in in the US, so the money was not actually leaving the United States it would always stay here. I personally called the Department of the Treasury and was told that they never had that money and to put a claim with the FDIC, I did this on Tuesday XX/XX/23 and they said to reach out to you guys. Please help me with this situation, its a lot of money that they are holding for no reason whatsoever. The purchase that I was trying to do with that money was cancelled and I just want the money back in my account ASAP.
Company Response:
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: At XXXXXXXX on XX/XX/XXXX, two pending XXXX payments from our Chase Business checking account to the name XXXX. One transaction was for {$1400.00} and the other was for {$1500.00}. Neither myself or my business partner have knowledge of XXXX. I contacted Chase immediately by phone, and was told that a fraud investigation would be started and that our account would be credited back in 4-5 days. Later my business partner discovered that his personal computer had been hacked and that it made it appear that the XXXX contact had been added by him ; it was not added by either business partner.. On XX/XX/XXXX, a letter from from Chase indicated : We found that the transaction ( s ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. Contact us if you would like to request the information we used for our research. I followed up with Chase at the phone number they provided, and the representative said there was nothing else they could do. I followed up with XXXX, and XXXX will not take any type of action unless you are using the XXXX XXXX, if it is XXXX through your bank then XXXX directs you to contact your bank.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I received mails from my bank and and others that it seems like someone is using my identity or change my identity
Company Response:
State:
Zip: 33034
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In XXXX of XXXX, my bag containing personal items and documents such as my phone, my agenda with bills and account numbers, my social security card and my wallet with all my cards. Since then, the thief has done horrendous things to all my accounts ( at the time they were active but now they're closed ). I am a victim of Identity Theft. The thief took over all my online banking profiles. I honestly had to close everything and start from XXXX. Chase has been really hurtful and rude throughout this entire process. First, when I originally explained to them that although I've made one or two claims, the rest wasn't me and that I did not file any claims, they wouldn't listen. They would laugh, make sarcastic remarks, and be as condescending as possible. Finally, Chase decided to end their banking relationship with me indefinitely and I believe that is completely unfair. I have so many supporting documents/proof that proves my innocence and they don't even have the decency to accept any of it. My last call, the rep sounded visibly annoyed and said " well... you've done claims before right? so it's kinda right '' and I just think that's totally unprofessional. Chase is also reporting inaccurate information to XXXX XXXX XXXX which is a CRA therefore FCRA laws are in place. They have also held my money against me and have not made it simple for me at all. Please fine them and have them get proper training to avoid future mishaps.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I submitted a claim for the amount of XXXX. The claim was credited than reversed due to JP Chase stating that " they could not get a hold of me via phone call and didn't have the date of the situation '' They did not use another mode of communication such as Email or postmail to inform me that they needed to speak with me further. Furthermore, they stated the reason the claim was reversed was that they needed the date of when the situation happened, and during the initial processing of claims, I verbally told the claims agent the date. They even closed out the claim. I called to reopen the claim and submitted the documentation as proof. Four claim agents stated they would look into it further. My account remained in a negative state for over 3 weeks. I continued to get calls for me to take care of the overdraft fees and negative balance in my account. I informed them that the claims department made the error and needed to be corrected and I do not owe money on the negative balance. I have told this several times when Chase Bank called me several times to take care of this issue of the negative balance. When I informed them that I would go ahead to submit a complaint to CFPB, a manager from the claims department began to be very aggressive and authoritative towards me in his tone, and he informed me that he would not reverse the claim, it is final! '' in an elevated tone, belittling tone, and abusive tone
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I attempted to pay my Chase Credit Card in person at the XXXX XXXX location in XXXX, GA. The woman behind the counter could not process the payment. She stated she didn't know why the payment would not process and referred me to the customer service number. I called the the customer service number and was on hold for 1 hour and 6 minutes before the call was answered. I explained to the rep that the bill was not yet do but I was leaving the country on Saturday XX/XX/XXXX and would be out of the country for a month without the ability to contact the bank. She processed a payment. On Friday morning XX/XX/XXXX, I checked my account to verify the payment was made to my surprise and dismay the on-line said my ACCOUNT WAS CLOSED. I had no notification of why BOTH of my credit cards were closed. I immediately called the customer service number. They said that a letter was in the mail and they had no further information. I then went to the XXXX XXXX XXXX office to speak to a rep in person and get an explanation. She personally called the customer rep number and was advised there was no info to be given, a letter was sent via snail mail. Obviously, I won't get the letter before I left on Saturday, XX/XX/XXXX for my trip out of the country. This closure of two credit cards left me without card to use while I was out of the country. I had one of these cards since XXXX ( 28 years ) without a non payment or any penalties. When I returned I received a form letter telling my accounts were closed but without a reason. I called the company and they could not provide a reason. Because of these closures for no given reason my credit score has dropped XXXX points. I need an explanation. Thank-you.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A