Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notice that there was a hard inquiry to my credit report by JPMCB. I have not applied for any type of credit card or loan through Chase bank. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that my last activity was XX/XX/XXXX, XXXX states XX/XX/XXXX, XXXX XX/XX/XXXX ALSO These accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing. Enclosed with this letter, please find copies of documents supporting the age of these accounts, including [ mention any supporting evidence like payment records or correspondence with the creditor. I kindly request that you investigate this matter and, if found to be in violation of the Virginia Statue of limitations five to seven-year reporting limit, remove these accounts immediatley from my credit report promptly. I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to protect the information shared on my report.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a US Treasury check in the amount of {$60000.00} into my Chase checking account on XX/XX/2023. I also received 2 direct deposits from my and my husbands federal pensions on XX/XX/2023. On XX/XX/2023 my available balance in this account was {$75000.00}. I attempted to make some bill payments and all were rejected. I inquired with Chase and was told my account was " restricted ''. They would give me no further information. I went into the branch and was asked to prove that the {$60000.00} Treasury check was my money. I gave them copies of my XXXX ( XXXX XXXX XXXX ) statement showing that I had made a retirement distribution. They did not remove the restriction from my account and I was told me to call the following week. On XX/XX/2023 I received an alert from my Chase account that I was overdrawn. Chase had debited my account in the amounts of {$60000.00} and {$15000.00}. I received a cashiers check from Chase on XXXX in the amount of {$15000.00} along with a letter stating that the account had been closed. There was no mention of my {$60000.00}.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to request the removal of outdated debt accounts from my credit report. I have recently reviewed my credit reports from your agency, and I have noticed that several debt accounts that are over XXXX years old and have been in default more than 5 years that are still listed and reporting on my report. According to federal law, and Virginia Attorney General these accounts and being reported illegally and should no longer be reported, and I kindly request their removal. Below, I have provided the relevant information for these accounts : 1. Creditor Name : J.P Morgan Chase 2. Account XXXX : XXXX XXXX. Date of First Delinquency : XX/XX/XXXX XXXX. DATE OPEN : XX/XX/XXXX I believe these accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing. Enclosed with this letter, please find copies of documents supporting the age of these accounts, including. I request that you investigate this matter and, if found to be in violation of the seven-year reporting limit, remove these accounts from my credit report promptly. I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to conduct a reasonable investigation within 30 days of receiving a dispute. I request that you provide me with written confirmation once these accounts have been removed from my credit report. Also, on the following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that payment on XX/XX/XXXX, was 30 days late, XXXX states that on the same month XX/XX/XXXX payment was on time.
Company Response:
State: OH
Zip: 441XX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I redeemed a 10 % cash back offer from Chase for purchases at XXXX XXXX XXXX onXXXX. I then made two purchases totaling {$19.00} on XX/XX/2023 and XX/XX/2023, and did not receive the credit on my credit card statement. I called Chase multiple times and they refused to honor this offer. One time I called they said they did see it on their computer but that I needed to wait a few more weeks. Another representative I spoke with said she did not see it on her system at all so they are refusing to honor it. I have screenshot proof that I did redeem it. I am concerned they are taking advantage of customers by offering discounts and not honoring them.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of a phishng expedition on XX/XX/XXXX by someone claiming to be XXXX security. They scammed my bank account after asking for a screen share. I lost over {$12000.00}, I went immediately to my bank branch and my personal banker filed all the necessary claim requests and changed my bank and credit card numbers instantly. The bank investigated and said the transfers went to accounts at XXXX XXXX BUT alas said they could not refund as the scammers made it appear I authorized the transfers... .which I did not. They informed me of the bank policy on XX/XX/XXXX.
Company Response:
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I really think they DNT look in to anything to fix the problem ... .. Long waiting periods on the phone just a hassle to resolve the problem
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
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: I would like to open a dispute regarding a payment that I made of {$1000.00} to my Chase Sapphire XXXX card on XX/XX/XXXX. There had been a previous fraud/dispute with the credit card company for the same amount of {$1000.00} that I initiated on XX/XX/XXXX. At that time, it appeared that there was a double payment made to XXXX, one from my daughter directly to XXXX with her credit card, and XXXX from me to XXXX with my credit card. There is a VERY LONG AND PAINFUL story regarding the XXXX dispute, which I feel was mishandled very badly in many ways, but the bottom line is they closed the dispute on XX/XX/XXXX. I can provide all of the phone calls, with dates and names to explain everything that went wrong, but it would be much quicker and easier to concentrate on this XXXX dispute. After the XXXX dispute was closed, my daughter was on the phone for XXXX hours with XXXX, and XXXX said they never received my XXXX payment that I made to XXXX on XX/XX/XXXX with my new credit card. This is VERY IMPORTANT, because the reason for this XXXX dispute is my {$1000.00} never made it to XXXX. This XXXX dispute is for a completely different reason than the original dispute ( the XXXX was because of XXXX payments for the same item to XXXX ), and the current XXXX dispute is because my XXXX payment never made it to XXXX. This would have come to light much earlier, if Chase Sapphire XXXX would have investigated the XXXX dispute correctly, but that isn't the most important point at this time, and we can circle back to that at a later point if necessary. Before I explain my XXXX payment, I just want to give a quick history with me, Chase XXXX XXXX. I had a mortgage with Chase going back to XXXX, and I've been using a XXXX credit card for over 30 years, and specifically a Chase XXXX card for many years. I'm sharing this information to show that I'm not trying to play games, or waste anyone 's time. I've been a very long and loyal customer with both companies, and without any issues regarding my mortgage or my credit cards in the past. I had a strong feeling throughout the XXXX dispute that they were treating me as more of a nuisance or not believing my claim, and not as a customer that was trying to get back my extra payment of {$1000.00}. Again, I can support this statement with records of phone calls etc., but let 's get to the XXXX dispute below. The XXXX payment of {$1000.00} was made on XX/XX/XXXX with my original credit card. I challenged this, because I didn't recognize the charge when I received my bill at the beginning of XXXX. I called XXXX on XX/XX/XXXX, and the charge was reversed back to my new XXXX card on XX/XX/XXXX. I found out within a couple of days after I called that it was a legitimate charge ( it's a long story, and I can provide details if needed ), so I called XXXX and said the charge was ok, and they can re-bill me on my new card. This new charge was put thru on XX/XX/XXXX. Here is the problem, and the reason for this XXXX dispute, XXXX NEVER RECEIVED my XXXX payment. Their records show the payment that was made on XX/XX/XXXX, and the reversal of that payment on XX/XX/XXXX, but they don't show a XXXX follow up payment that I had paid to Chase Sapphire XXXX on XX/XX/XXXX. In summary, please ask XXXX to investigate the money trail of my XXXX payment of {$1000.00} on XX/XX/XXXX to find out what happened to my money. Attached are my XXXX credit card statements to support the info that I provided above.
Company Response:
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Amazon Rewards Visa card through Chase allows for redeeming points in a number of ways, including cash back. This can be either as a statement credit or transfer to a bank account. When selecting a bank account, the screen warns that the bank information will be used only for this single transaction and to store the information permanently to reuse, go to Profile and Settings. However, nothing under Profile and Settings allows for that and there is no apparent information about a different way to do it. When I contacted Chase, I got mostly confusion and no resolution. By the way, part of the reply, such as it was, has been voice mail supposedly from Chase ( seemingly really from Chase ) asking me to call the person back at a number given. This is, of course, an awful practice because it lends legitimacy to scam calls but I called back once, anyway, got voice mail, left a message, and did not hear back. It may be slightly cynical but I suspect Chase and/or Amazon may be intentionally creating some friction in getting cash back to a bank account in order to steer customers to redemption options that are cheaper to those companies in some way.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited check on XX/XX/XXXX. On hold til XXXX Today my account has been restricted for no reason at all. Can't access my funds or pay my bills and will be evicted if I don't pay rent and chase won't let me pay my rent with my money.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A