Date Received: 2023-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX of this year, I was a victim of a scam involving Chase bank. They stole XXXX dollars from my wife and I.
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: While i was on my phone managing some personal information i received a notification saying such person called XXXX was registered in my XXXX account and took out XXXX XXXX dollars off of my chase account, which led me to call chase regarding what had happened and while i was on the phone with them i received another notification regarding XXXX being registered once again and he took XXXX XXXX and XXXX XXXX dollars this time. Its been weeks where ive been calling to check the status and they have been declining my reports for some odd reason. This money thats currently gone was money i need to pay fir school and other necessities i have to buy. Im trying to get it back as i never authorized those payments. Ive got no clue whom XXXX is, let alone send him those big amounts of money. Id greatly appreciate it if you guys could help me recover this stolen money from my account which is very important to me for bills, Thank you.
Company Response:
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. - XXXXXXXX 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 15 U.S. Code 6802 ( b ) XXXX ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX XXXX this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing to express my objections with the recent experience I had while applying for an Amazon XXXX Chase Visa card. My application reference number is [ XXXX ] dated XXXX XXXX XXXX Upon submitting my application, I uploaded my state ID as requested. Subsequently, I received communication from the company 's fraud department, prompting me to verify my identity. Following the provided instructions, I called the designated number, but unfortunately, the operator was unable to fulfill my request. I was then instructed to visit the nearest Chase Bank branch with my ID for further assistance. I visited the XXXX XXXX Missouri branch, where I met with XXXX XXXX XXXX. I presented my valid ID and credit cards, and XXXX XXXX diligently worked for several days to facilitate communication with the Chase Fraud Department, aiming to verify my identity. To my surprise, after a prolonged period, I received correspondence notifying me that my application was denied on the grounds of fraudulent information. My primary concern lies in the fact that I had presented valid identification during my visit to the Chase Bank branch. The denial of my application occurred only after XXXX XXXX submitted copies of my Missouri State ID, which also confirmed my status as an African-American male. This sequence of events raises serious questions about the timing and basis of the denial. I am deeply troubled by the possibility that I may have been discriminated against based on my race, in violation of the Equal Credit Opportunity Act and the Fair Credit Reporting Act. It is disheartening to believe that the actions of an inept fraud determination process, coupled with my racial background, may have influenced the unfavorable outcome of my application. I kindly request a CFPB thorough investigation into this matter and a reconsideration of my application. Additionally, I urge Chase to review and enhance its procedures to ensure that all applicants are treated fairly and without bias. I trust that Chase Bank, as a reputable institution, takes such matters seriously and will address this issue promptly. Thank you for your attention to this matter. I look forward to a swift and just resolution. Sincerely, XXXX XXXX
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S. Code 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 U.S. Code 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S. Code1681C ( a ) ( 5 ) states ''Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Also, it has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 U.S. Code 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about these agencies blatant misuse of my personal information and other fraudulent activities. Under 18 U.S. Code 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter. 15 U.S. Code 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY XXXX. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666. 2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports. 3. INQUIRIES LISTED BE REMOVED.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had my account closed by Chase Bank this past XXXX and have not received any information in the mail. I called XXXX in XXXX and learned that they they would send me a check for the remaining {$1000.00} or so in the account within two weeks. I did not receive the check in XXXX so I called again on the XXXX and customer service said it would take 90 days to verify my account. In XXXX I did not receive a check so I called on the XXXX and customer service said they would have to review my account indefinitely and could not give me an exact time to return my money. Since my account was closed, I can't get any emails about XXXX in my email, can't get any information about my money. If I don't call, I can't find out anything about my money.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I mobile deposited a check that was signed over to me by my roommate and CHASE flagged the check as fraudulent and said they needed to verify the identity of the person who signed the check. So he gave then his phone number and they said they were unable to verify through the verification service that they use. This person has give to several branches in person with his ID and his phone to prove his identity only to be told that is not their policy anymore and they can only verify through their system.
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. My {$210000.00} is still held in XXXX XXXX and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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/2023, my daughter 's wallet was stolen and she has authorized user cards for my Chase cards. The thief used her wallet at a XXXX charging {$980.00} on a Chase XXXX XXXX XXXX and {$990.00} on a Chase XXXX XXXX card, among other cards she owns as a result of this I reported the theft to Chase that day and had the cards replaced. Both unauthorized charges were made on the same day, same location and at around the same time. On XX/XX/2023, I noticed that the charge had been restated on the XXXX Account stating that I received the benefit, which is very surprising as I reported the issues that day the cards were stolen and had cards were replaced. Every single bank that was alerted also removed those charges, including Chase for the XXXX XXXX card, so I am a bit surprised that Chase claims this XXXX Card transaction was valid without any compelling evidence or justification. I called Chase multiple times and even the first agent I spoke to was confused why I was recharged the {$980.00}. This is in contravention of the CFPB regulation. As of XX/XX/2023, I have supplied additional information to Chase proving that my daughters wallet was stolen and several charges were made to multiple credit card she owns. I also included the several emails between my daughter and the police investigating this theft. Using surveillance videos, the Police and XXXX were able to pinpoint the person who stole and used the cards but have been unable to identify the person. I would also like to note Chase banks failure here. This XXXX XXXX is not a card that is used often, as a matter of fact, this card had not been used for at least 6 months before the transaction date and only used for mainly XXXX related purchases, yet a significant charge of {$980.00} at XXXX was authorized without suspicion? The last transaction was on XX/XX/2023 on a XXXX cruise. This is a huge failure on Chase 's security systems.
Company Response:
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A