Date Received: 2023-12-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my JP Morgan Chase account to fraudulent investment firm ( s ).
Company Response:
State: MS
Zip: 39452
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy. I look forward to your response. Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ACCOUNT # XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page. I look forward to your response. Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX JPMCB XXXX XXXX XXXX XXXX, DE XXXX Account # XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy. I look forward to your response. Attachment included
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I disputed a {$2000.00} XXXX transaction that was made after my cell phone was stolen and account with Chase heavily compromised. Several other purchases made with the stolen device were reimbursed, but this one was not. The stated reason was that the device used to recover my account was the same device that had been used before the compromise. That was simply not the case. I had used a device kept for a back up, which had previously been used to access my account, but was most certainly not the device from which the fraudulent payment was sent. Upon receiving the denial of claim letter, I called the customer claim department, was told the reason for the denial, and that nothing more could be done. This struck me as an egregious injustice, and a huge flaw in Chases handling of this issue.
Company Response:
State: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I just realized that there is a transaction called " XXXX '' on XX/XX/XXXX for {$380.00} that I do not recognize.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone ordered the debit card without my permission and the card mailed out to the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. Then an Unauthorized withdraw of cash {$9000.00} on checking account was occurred on XX/XX/2023 @ XXXX at chase bank located XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. The debit card never activated! With this BIG Amount of cash withdraw, chase bank didn't check the ID, only PIN Authorized.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My name is XXXX XXXX, I possess an active secret clearance. Recently I opened an account with Chase Bank, my account was later closed without an explanation. I believe this action was caused by false/negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I used to have an account with Chase banking and I already closed my checking account. There were XXXX checks that were to be sent home one is the {$46.00} and the other is the {$2200.00} however I only received the one for {$46.00}. I went to several different Chase banking branches to talk with bankers and they said they werent able to release my fund and send the check home because they still need verification. Im just confused as to why theyre holding my money hostage for so long and I never had issues with other banks regarding the checks I work for XXXX they were issued out the same way. I still have record with the pay stubs and on the official XXXX employee website they have record of each of my paycheck as well as pay stubs information there. I just want my money to be sent as I am a XXXX XXXX and the only reason I work part time is so I can support my XXXX XXXX and buying XXXX but I can not do so if Chase refuses to give me my money back which was the {$2200.00} check that was supposed to be sent home. I have tried over a month and at first they reassured me that they will send the check home but when the account were closed they never did.
Company Response:
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was defrauded by an online scam posing as selling a XXXX tractor. They had a website XXXX I lost {$21000.00}
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: I am questioning my ARM adjustment index. I spoke to two different individuals from Chase today, including a supervisor and they were not able to explain or provide any resolution. I was not communicated with very much in advance of this change.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A pre-order ( group-buy ) purchase was made from XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$280.00}, and on XX/XX/XXXX in the amount of {$210.00}. The company became increasingly scarce in its response with its customers around XXXX, then filed for dissolution on XX/XX/XXXX with no notice. I tried to reach out to XXXX XXXX via several different platforms, but was met with no response. Ultimately the customers were left in the dark ; the above projects were never completed, and the products were never delivered. I attempted to contact my financial institution Chase Bank regarding a chargeback. Initially they granted temporary credit, but was promptly reversed inso stating the request had passed the 120 day period to request a chargeback. I tried to explain to them that due to the nature of the purchase, there was no possible way to request a chargeback within that time frame. XXXX XXXX operate on a XXXX XXXX XXXX, where money is paid up front which is then used to pay the manufacturer to create the final product. These projects normally take XXXX years for completion. These style purchases are normally conducted in good faith in relation to the hobbyist community, so instances like these are far and few in between. Moreover I had purchased from XXXX XXXX in the past, so I had very little reason to believe they would do this. Despite all this, Chase continued to maintain their 120 day policy -- repeated calls to different agents were met with immediate denial and refusal to take additional documentation. Furthermore, it makes little sense that Chase would even entertain issuing temporary credit if that were the case -- it was clear that the purchase was made over a year ago.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A