Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: JPMCB has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I am victim of identity theft, my information was compromised I turned in many police reports to the branches. I recently had an appointment and a branch employer informed me that my account has been reopened and that my new chase card will come in within XXXX days. After the appointment, the very next day I received a letter and it states that my account has been restricted again and may be closed again.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX CA XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. List XXXX XXXX XXXX XXXX List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 1. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report I request a thorough investigation into these inaccuracies. 2. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Team I did purchase ticket using Points, i have to reschedule the tickets basis on the airlines time change, where Airlines agreed to issue refunds, since i booked through Third part portal they took some time to refund, in the meanwhile i closed my credit card, i never got back my points or cash, they delay is due to the Chase travel, which is part of chase. Chase unable to validate, stating they are third party. I had several call with Chase travel and Chase card unable to resolve.
Company Response:
State: NY
Zip: 14534
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I hope this message finds you well. I am writing to bring to your attention a concerning issue related to a negotiable instrument ( 3-104 ) that I issued to Chase on XX/XX/2023, with the expectation of prompt and secure handling. Regrettably, I have been informed that my payment, sent in good faith, has been misplaced by your institution. As of XX/XX/2023, when Chase received the negotiable instrument, it came under the purview of the Uniform Commercial Code ( UCC ), specifically sections 3-309 and 3-312. Under UCC 3-309 ( 4 ), when a claim becomes enforceable, the obligated bank, in this case, Chase, is obligated to pay the amount of the check to the claimant if payment has not been made to a person entitled to enforce the check. This, however, is contingent on the condition that the claimant refunds the payment to Chase if the check is paid or pays the amount of the check to the person having rights of a holder in due course if the check is dishonored. Additionally, UCC 4-302 outlines the payor bank 's responsibility for the late return of an item, holding the bank accountable for the amount of the item if it is not settled for or returned by the midnight deadline. Moreover, considering the provisions of UCC 3-303, it is essential to emphasize that the negotiable instrument was issued for value, meeting the criteria outlined in subsection ( a ), specifically ( 3 ) " as payment of, or as security for, an antecedent claim against any person. '' The obligation of the acceptor, as defined in 3-413, further underscores the responsibility to pay the draft according to its terms at the time of acceptance, or as varied, to the extent owed to a person entitled to enforce the draft. Given the circumstances outlined above, I am compelled to express my concern that this situation may be indicative of a potential securities fraud matter. I believe it is in the best interest of all parties involved to address this issue promptly and rectify any discrepancies. If this matter is not handled in a timely and satisfactory manner, I may be compelled to escalate this concern to the Securities and Exchange Commission ( SEC ). I am hopeful that we can resolve this matter amicably and promptly to avoid any further escalation. I appreciate your immediate attention to this matter and look forward to a swift resolution. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase informed me my account was closing because I had to many disputes. I am fine with the account closing. I was told to go to the branch and they could wire or give me a certified check. I got to the branch they called internally and was told that they couldnt give me any money until all the disputes are closed. I said well keep the money in the account just in case this dispute dont return give me my rest of my money which is about XXXX. They said they couldnt do that, we had to wait. I do not have any money for gas, food or utility bills. If any remaining disputes are open, just close them and debit the money out of the checking account. Chase will not let me withdraw my funds
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/, I'd sent a letter to Chase about a denial application. I had asked isn't my application a promissory note? Which means you are committing securities fraud. Because you can take my application and can sell it to a third party, so I should not be denied. I had also told them that I'll be filing a claim. XX/XX/, I received a letter from the to call them to confirm the application was done by me. Next I called and my application was accessed even though they said I was denied being that my credit was bad. Then I'd received a credit card.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: For well over 30 years I have been a client of JP Morgan Chase Bank. I am very frustrated that they have not adequately resolved the problem I have with stolen funds from my account. Two times within a week thieves went into my account and removed more than {$600.00} each time. I was happy that Chase Bank did promptly replace the funds both times, but the second time, Chase went into my checking account and took back the second amount of money sent to me. This was done without notice beforehand. It was clearly evident that those responsible for this crime did this illegally ( each time only {$49.00} was removed, but this was done, something like12 times each time. Until I had no more money in my account. Please, I beg you to look into this matter. My account with Chase Bank is now closed. I fear opening another account, not just with Chase but any bank where characters can easily get into your account and take what they want. It would have been better to have kept my money at home under my pillow. It is not just the money I am missing, but the hurt of not knowing how this is done. Let me inform you of a few details in this matter. Not too long ago. I received a letter from an employee of Chase Bank, named XXXX, XXXX, Branch Complaint Escalation group. Stating that " we'll stop contacting you about your recent concern ". We have not been able to reach you. I do not know if this is true or not. But I received nothing, but this letter and a notice that my claim was denied.. My closed acc # XXXX The case number listed was XXXX Incidentally, the Telephone number of XXXX is XXXX ext XXXX have tried calling her at least XXXX or more times and the only response I get is " out of office ". She would not respond to my voicemail either.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a XXXX savings account with Chase when I was in XXXX XXXX. I was a minor and opened the account with my mother. As of last week they told me that they had a history of three accounts being opened in my name and closed without my authorization and without notifying me of these changes.
Company Response:
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a formal complaint against Chase Card Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). In addition to the FCRA violations, Chase has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. Despite providing Chase Card Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Chase Card Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. Chase Card Services must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A