Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's 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 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. 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 whether it be verbal, non verbal, written, implied or otherwise is revoked. 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.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase locked my check account on the day i have direct deposited {$2200.00} to my account on XX/XX/2024 and I made transfer to external saving account in the amount of {$890.00}. Before i made the transfer the account was verified by chase throughXXXX small deposits. I see the status shows Funded on the same day however on the evening of the day around XXXX eastern time i got an email from chase transfer is canceled. I login to my account it says account is locked which I called the XXXX XXXX XXXX I was then told account will be closed and did not tell me exact time when it will close. I can only get my money back when chase can close the account but the agent said currently restricted not closing and don't know when it will close and not sure when i will get money back. They are now holding my money hostage. The deposits are my direct pay from payroll there isn't much needed to verify funds. external account was verified by chase earlier with XXXX small deposits so i don't know what is the issue chase holding my money. I want my hard earned money back from Chase.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My husband and I received a promotional offer for 0 % interest on balance transfers to our Chase United Mileage Plus card. We use this card for many of our daily purchases so we can accrue as many miles as possible and always paid it in full each month. We had a balance on another high interest credit card that was a little over $ XXXX we wanted to transfer that amount to the Chase United card, however were unsure how to pay our new charges, plus the amount owed for the balance transfer in order to keep the 0 % rate on that amount. Before transferring our balance in XX/XX/XXXX, we called Chase 's customer service department to ask how to handle our monthly payments so we could retain the promotional interest rate. We were told that we should pay the total amount of our new monthly charges plus the minimum payment due and and that would ensure we keep our 0 % interest rate. Based on this information, we decided to transfer the balance of our other card to our Chase United Mileage Plus card. On our XX/XX/XXXX statement, we noticed a small interest fee charged to our account, but because it was minimal ( {$64.00} ), just figured I made an incorrect calculation on paying off our purchases on the XX/XX/XXXX bill. On our XX/XX/XXXX statement, we noticed that we were charged {$210.00} in interest, but didn't pay our card in full that month, so figured that was how we accrued that interest. On our XX/XX/XXXX statement, we were charged interest in the amount of {$190.00} and in XX/XX/XXXX, we were charged {$180.00} despite paying our bills in full ( minus the amount transferred to the card ). I thought I must be calculating the balance to pay each month incorrectly because when I looked at the table of interest charges on the back page of our statement, the amount subject to interest fees was always higher than our purchases. So, I began paying the balance subject to the higher interest rate on the back of the statement each month plus the minimum amount due to hopefully get rid of the interest charges. However, on our XX/XX/XXXX statement, we were still charged {$200.00} in interest. I called Chase 's customer service department again and was told the same information that we were told before transferring the balance- pay your monthly charges and your minimum amount due and you will not be charged interest. For two additional months, we continued to try to figure out the correct amount to pay so that we would not be charged interest on our balance. Yet, on our XX/XX/XXXX statement, we were charged {$150.00} in interest and on our XX/XX/XXXX statement, we were charged {$180.00}. Frustrated and confused, I called Chase 's customer service yet again, and was finally told that having the balance transfer on our account was causing us to be charged daily interest on new charges. We couldn't believe it. We had never heard of this practice before- not from other credit card companies ( I checked our other credit card 's terms to see if this was a customary interest charge we were unaware of- it's not ) and not from Chase 's employees, either. I asked for a copy of our card agreement to be sent to us, which we received right away. The agreement states, " If you pay your account in full each month ( or Interest Saving Balance ) in full each billing period by the date and time due, no interest is charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction, fee, or interest charge is added to your daily balance until your account is paid in full. '' This is confusing wording because we were paying all monthly purchases charged to our account in full each month, except for the amount that was subject to an interest-free period. That led us to believe that our account would be considered to be paid in full each month and therefore not subject to any interest. Furthermore, the agreement states that daily interest will accrue if there is a balance due to an interest-free period on NEW purchases. Our balance was the result of a balance transfer, NOT new purchases, so we don't believe that our balance transfer should have subjected us to daily interest charges. Once we learned this information, we paid off the remaining balance ( new charges plus the remaining balance on the balance transfer ) in XX/XX/XXXX. We didn't complain about the interest charges right away because we thought we had made a mistake, but it just didn't sit well with us. We decided to call Chase on XX/XX/XXXX ( I think ) to complain about these charges and to ask for them to be refunded to us. When we called, one customer service agent told us that she couldn't file a complaint for us and that Chase always charged a daily interest rate on new purchases and that no balances were ever subject to a 30 day grace period ( which is customary for every credit card we've ever had ). Again, we were shocked by this information and didn't believe it was true, so we pulled out all of our past statements and saw that she was clearly incorrect- we had never been charged interest on any charges unless the statement had not been paid in full. We called back a second time that evening and was told that we were only charged interest after the balance transfer was completed because we were carrying a balance each month, despite the fact that that balance had a promotional 0 % interest period. She offered to refund us one of the interest fees in the amount of {$170.00}, but that felt like a drop in the bucket to us. We did not feel like the experience made us whole. We try to be diligent with our finances and read through our statements each month. The fact that we were confused by the interest charges and couldn't determine how and why they were being charged, and because this policy is clearly confusing to Chase 's own employees ( we heard three different policies from 5 different representatives ), we believe Chase 's terms are unclear and misleading. If we had understood that our terms would change because of the balance transfer ( either through the promotional wording or through their representatives ' explanations ), we would not have chosen to transfer the balance due to our use of the card on daily purchases.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: As a years ' long subscriber to XXXX, I decided to search a more reasonably-priced option for bookkeeping software. Around XX/XX/XXXX, I became a paying subscriber to XXXX. I was using the platform to track expenses and prepare reports for our accountant for year-end close. We are a small business that does the majority of bookkeeping in-house but uses an outside accountant for yearly tax preparation, etc. Around XX/XX/XXXX, a client of ours asked for the option to pay his invoice online. I contacted XXXX who pointed me to WePay, their electronic processing merchant. I was given no other option. I was told that " WePay is who XXXX uses for electronic processing. '' We consequently invoiced a customer for approximately {$3000.00}, who paid by credit card through the platform put forth to us by XXXX. The money was immediately transferred to our bank account without issue or delay. Around XX/XX/XXXX, I began receiving relentless phone calls from XXXX ' sales team asking me to consider a variety of their add-on products. I explained each time that I was working at my full time job and would revisit the add-on options once beginning Tax preparation XX/XX/XXXX. Around XX/XX/XXXX, a client requested to pay for the provision of tree services via electronic means. He needed to split the payments to our company between two credit cards. The total payment for the service was {$5100.00}. The payments both posted through XXXX as expected. I then began to receive emails from WePay, the third party responsible for processing the electronic payments to our bank, stating, " we are transferring the amount paid to your bank account with First Bank. '' A day later, I received an email from WePay stating that our bank transfer had been cancelled. I emailed both WePay and XXXX for an explanation. I also called XXXX, for assistance. The individual intaking my call stated, " I will reach out to WePay and find out what's going on. I will get back in touch with you immediately. '' The next day, the individual from XXXX I spoke to the night previous, sent me an email stating " all had been resolved and the money would again begin the transfer to my bank account with First Bank. Shortly, thereafter, I received an email from WePay stating, " we are transferring the amount paid to your bank account with First Bank. '' Believing there was no further action required on my end, I did not check emails again for a couple of days due to other outstanding responsibilities. Logging back in a couple of days later, I noticed emails from WePay stating, " We have closed your account due to proprietary reasons. You may appeal this decision for reconsideration of receipt of your funds in 120 days. '' I emailed XXXX, no help. I emailed WePay, no help. I've emailed leadership with JP Morgan at this point, no response. I'm left to believe that XXXX and WePay have stolen {$5100.00} from me. At the very least, they are deciding to hold my money, interest-free, without my permission and without explanation. Unless you believe that, " for proprietary reasons, '' is thorough explanation for this unbelievable action. Interestingly, due to XXXX pointing me to WePay for the processing of electronic payments, I instilled utmost trust in my XXXX account manager. After all of this, I have XXXX, mainly, " WePay, '' and have found numerous complaints from similar consumers with similar issues. These companies should be addressed immediately. Most importantly, I just want my {$5100.00} sent to my business account as due and as expected. I have reached out and communicated to both companies with unsatisfactory results. My next step will be to draft letters to the US Senate Banking Committee. No company shall steal the money of another for " proprietary reasons, '' or any other reasons, especially when said company has failed to reasonably disclose such reasons, whether true, or made up, to fit their agenda. I look forward to a response. XXXX XXXX, XXXX, on the behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph : ( XXXX ) XXXX XXXX : XXXX XXXX
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, my fianc received his federal tax return & barely received his ID so he didnt have a bank account yet. I referred chase because I bank with them & thought it would be easier if we had the same bank. The following morning we went to 3 different chase banks locations around town because they all had XXXX availablity to make my fianc his own chase account until the following week but we needed funds ASAP so a chase branch representatives told me that I can try other banks & maybe theyll have sooner availability. After the 3rd chase bank we went to ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) we spoke to representative, XXXX, she lets us know theres also no appointments until the following week. We sigh in a respectable frustration & asked if theres other options because we need it as quick as possible. She said/ADVISED US & I quote if he has his ID & signs the back of the check he can endorse it you & the check will be delayed until XX/XX/XXXX but it usually clears before that. I would have never had him endorse the check to me if I knew it was going to be a hassle & take this long if I wasnt advised to do so. At no point in time did the representative tell me that third party checks are usually flagged & it would be better to have the check put into the an account with the check holders name. Now its been over 6 months and all I keep getting is he needs a number thats verifiable. When if I would have known this information I would have just waited & had him get his own account because hes under my phone plan. We got him XXXX lines with XXXX different companies with his name & still no luck which is more money were spending just to get our money. The address on the check written to him is the same address I use for my chase bank & he even has a secure chase account since XXXX with updated phone number, home address, & social security number so at this point it seems like chase is scamming me & that this is fraud. I would also like to seek interest because how cant you verify a government issued check with one of your own chase customers? Especially after a representative for chase advise me to do sign the check over with no warnings or heads up.
Company Response:
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Complaint against Chase. On XX/XX/XXXX I received an email from Chase stating my account was overdrawn. I immediately called and they told me that my account was locked due to suspicious activity they did not explain why but now my account was showing negative. Which I did not understand why if I had just received my direct deposit from US Treasurey. They told me the account was being investigated, and that I would receive a letter in the mail explaining everything, once it was taken care of the account will be officially closed and any remaining balance will be mailed to me. Then I called the XXXX XXXX XXXX to give them my new bank information so that they wouldn't send my next payment in XXXX to Chase. The representative I spoke with advised me my information was updated and that there shouldn't be a problem. The following day XX/XX/XXXX I received an email from Chase saying that there was a notice/letter sent to my online account. I called soon after because of the account being locked I can't log-in. Then they told me that my account will be closed within XXXX business days. On or around XX/XX/XXXX I called but the account was still active and told me the same thing. The following month XX/XX/XXXX when I usually get my deposit I noticed only XXXX deposit was made to my new bank account I only received my XXXX not mine. I called XXXX they did advise me that only XXXX check was sent to the new account and the other to my old Chase account the agent said it must of been a glitch in there system when they updated both accounts. So the agent told me to call Chase and ask them to return the deposit back to US Treasurey so that once they were to receive it they can send it to the correct account. I called Chase soon after and talked to XXXX my account was no longer showing negative they had returned the amount remaining from XXXX and the new deposit from XXXX but he said he would put a return for it to be sent back to US Treasurey and said it would take XXXX business days, provided me with a confirmation number. I wanted it returned to US Treasurey because even though it was showing I had the money available in my account it was still restricted, and I also asked him if I could get an update on when the closure for the account now was he said XX/XX/XXXX. The next day XX/XX/XXXX I called Chase to get an update if the return was sent back. The person on the line told me it was returned that morning. I called XXXX and the agent XXXX I believe was her name said the US Treasurey hadn't received the deposit back but that she will put a claim with Chase to return the deposit so she can issue it to the correct bank account, told me to call back the following day which was Friday or Monday. When Monday came around I called XXXX back and they still had not received the deposit back, so I called Chase again they told me they still had the deposit and that once the account was closed they will send me a Cashier 's check via mail. The exact same thing like the month before. Then on XX/XX/XXXX I received a letter in the mail from Dept of the Treasury stating they still had not received the deposit back and that Chase still had it. It is now XX/XX/XXXX and because of them not closing the account when they first told me in XXXX I haven't been able to pay my rent my XXXX was disconnected we were lucky they gave us an extension until next month. I had to cancel and reschedule my doctor 's appointment because I didn't have money to pay my share of cost. I had to ask family members and friends for money just to get my XXXX medication and home necessities, knowing I was not going to be able to enjoy XXXX with our XXXX was just horrible. So I asked Chase again when my account will be officially closed and when to expect my check as I am in desperate need to pay bills and buy household items XXXX XXXX said that they now had until the end of the month to close the account even though I explained to her that I had been being told this since XXXX and keep getting different dates and just keeps prolonging.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB Card has made duplicate credit inquiries on my credit, whereas I authorized for only one. This was done on XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.
Company Response:
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a car loan through my dealership, but they ran multiple credit checks from different lenders. These include : JPMCB Auto Finance My actual loan is from XXXX XXXX, and not any of the above listed lenders. This happened on XX/XX/scrub>XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. JPMCB Auto Finance ( Bank ) XX/XX/ JPMCB Auto Finance ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A