Date Received: 2024-01-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXXXXXX XXXX XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX XXXX XXXX nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services. Account number According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The XXXX credit bureaus XXXXXXXX XXXX XXXXXXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policXXXX XXXX XXXX XXXX nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services. XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Please remove from all credit reports And compensate me XXXX dollars
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I reopened my XXXX XXXX account and with Chase XX/XX/XXXX due to my first business account being closed without explanation due to my trucks being down and not having any money going into the account. After reopening the account XX/XX/XXXX business picked back up and I actually had someone wanting to buy XXXX trucks all the way from Missouri. Being that the client buying the truck from me was new and he wrote a check I did not agree to have the trucks leave my property until the check cleared. Luckily I did because the checks came back as bad checks and we never heard from the client again. We never attempted to use the money or anything because there was no ill intent on my companies behalf. We found out the check was bad through a letter in the mail from Chase saying that it was stopped. I then made more purchases and deposits because Chase allowed us to and my account was still in good standing. Before this Chase threatened to close my account for not making deposits once again, if dont deposit anything they will close it and if you deposit too much they will close it you can never win with Chase . I then deposited another check for {$22000.00} on XX/XX/XXXX the check was placed on hold until XX/XX/XXXX. I was told that the hold was placed for so long to ensure the check cleared. I was fine with that just as a precaution. The check has cleared just fine and there has been no issue except for Chase wants to hold my money hostage and refuse to tell it to me or back to the company that wrote the check and they closed my account for no reason. XX/XX/XXXX the representative Told me to reopen another business account which I refuse to do because of all the trouble he also told me that he cant send my copies of my bank statements since they closed my accounts which is a lie. By law they cant hold my money and theyve already held onto it longer than allowed. I am a XXXX veteran trying to make a living and they hold my money as if my company doesnt matter. This is unacceptable and they need to return the money to me via check because I will not do business with Chase ever again. This has caused so much emotional stress and financial stress on me and my business is losing out daily due to Chase closing my account and holding my money hostage. We have called multiple times to do the phone verification with them and there has not been an answer yet and they will not allow the company to call directly to verify. This is no excuse for Chase holding the money hostage that has cleared weeks ago. They must do something about this and release my money or send it back. The money is not even collecting interest as they hold it this does not serve us consumers.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I did not receive my bonus for opening a Merchant Services account. The terms and conditions were that I had to settle {$2000.00} of funds over 5 transactions according to the terms and conditions. I contacted Chase Bank customer service in XXXX after I settled over $ XXXX in 5 transactions. The customer service rep directed me to email the representative that opened my account XXXX XXXX. I tried to call XXXX multiple times last week and even left a voicemail. XXXX sent me an email describing new terms and conditions. He told me that the Marketing department requires the deposits to be made in different batches ( no language of batches or deposits described in the fine print ) According to the fine print, the requirement was to settle the funds over 5 transactions, there is no mention of batches. This is clearly deceptive marketing as the goalposts are being moved after I fulfill the requirement. Attached are correspondance and the Bank Fraud that is trying to take place.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted a Dispute with XXXX XXXX XXXX. I advised them the month they are showing for XXXX late payment in my entire credit history is wrong ; that I was never late. I provided them with a copy of my credit card statement showing that I had a XXXX XXXX on my statement during the month in question.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Person or persons opened a credit card with JPMCB fraudulently ( ID Theft ) using my name and Social Security Number on or about XXXX of XXXX. I first became aware of this in XXXX of XXXX when my credit was destroyed and my normal bank accounts were affected as my credit rating plunged. After review of various credit bureaus it was discovered that the person/persons involved in the ID Theft had opened several credit card accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and JPMCB/Chase Bank using bogus addresses in Florida and possibly other states. I have NEVER lived in any other state other than Connecticut for 50+ years and even have a copy of the original building permit I took out to build my house. After months of calls, filing out a police compliant with my local XXXX Ct police dept., compliants to the Federal Trade Commission and a ID Theft affidavit form to the IRS, as well as proof of my true identity ( driver 's liscense, proof of address using recent bills from electricity and VA admin., copy of passport, etc. ) all banks, WITH THE EXCEPTION OF CHASE BANK, have acknowledged that I am indeed the victim of ID Theft and are not responsible for these cards. I did receive a XXXX XXXX letter from Chase absolving me which they NOW SAY THEY HAVE NO RECORD OF ( I still have letter )
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is an inquiry for a credit card that i did not inquire about. I did notify XXXX about it. They said they'd notify chase bank and told me to file complaint with FTC.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Unfortunately, CHASE BANK continues to keep sending me credit card applications for my businesses in the mail. Even though I aware that banks are required by law to provide small businesses up to XXXX, i continue to fill the applications out hoping the banks ill do what is right. After asking for my EIN and social security number, I was denied access to my own credit. Using a 3rd party company to base your decision to deny my access to my credits is Illegal. Again my social security number was included. So no 3rd party should be used as an excuse to deny me of my own credits. I expected Chase Bank to fulfill their fiduciary duties especially since asking for my social security number 42 USC 408 states that procedure is illegal. I am the creditor. ADVERSE ACTION against a consumer is against the law. According to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691C AND IS PURSUANT TO CIVIL LIABILITY UNDER 15 USC 1692K 12 CFR 1002.4- A CREDITOR CAN'T BE DISCRIMINATE AND DENY ME CREDIT Credit Card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. Each violation of Title 15 of the United States Code is {$1000.00}. I have the right to invoice these companies for their unlawful acts. 15 USC 1611- WILLFULLY AND KNOWINGLY GIVING FALSE OR INACCURATE INFORMATION IS A CRIME! I USED MY SOCIAL SECURITY NUMBER FOR THE APPLICATION AND BY LAW I CAN NOT BE DENIED CREDIT. YOU ARE SUBJECT TO CRIMINAL LIABILITY FOR VIOLATING 15 USC 1691 AS I HAVE PROOF THAT WAS DISCRIMINATED AGAINST BY THE COMPANY. DUE TO THE RESPONSE I WAS GIVEN. I AM THE CONSUMER THAT COMPLETED THE APPLICATION IN GOOD FAITH AND UNFORTUNATELY MY CREDIT WAS NOT ISSUED TO ME. I NEED A SOLUTION IMMEDIATELY! RESCIND MY APPLICATION OR RECONSIDER MY APPLICATION. I WANT MY CREDITS THAT BELONGS TO ME! I HAVE FULL FAITH AND CREDIT! NO MAN HAS THE POWER TO BREAK THE LAW AND DENY ME CREDIT!
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I applied for a role at JP Morgan Chase for which I was given an offer/employment contract on XX/XX/2023. JP Morgan Chase then initiated an investigation and I was pre-adverse notification requesting information on previous employment history. After responding to this request, Global workforce screening from JP Morgan Chase on XX/XX/2023 reached out seeking a " detailed explanation regarding the closure/restriction of a Chase bank account. I responded to the request stating the account had been closed to no activity. On XX/XX/2023 JP Morgan Chase notified me stating my start date of work had changed to XX/XX/2023 however on Monday, XX/XX/2023 I was told via a phone call that my employment contract had been rescinded and that I could initiate a dispute ( which I did ). A detailed dispute filed and I also notified the Chairman of JP Morgan of what had happened. On XX/XX/2023 I was notified by JP Morgan Chase that the reason for the rescind of my employment contract was not because of the previous account information requested ( see above ) but rather a Chase business credit account which I had nearly 8 years prior which was closed by Chase without any reason given. In short my name had been " flagged '' in there systems because of this account closure which was paid in full and had an excellent history. On XX/XX/XXXX, I was told that my complaint was being further investigated by the Chairman 's office. Finally on XX/XX/2023 I was notified that JP Morgan Chase was standing by the original decision of rescinding my employment contract because of Chase business account closure from years earlier. When I asked the JP Morgan Chase representative why I was my Chase business credit card account closed when it was in good standing and I did nothing, she responded by saying, she had limited access to the information but that Chase had the right to close accounts for any reason and without explanation. I believe JP Morgan Chase has discriminated against me not only for closing my Chase business credit card account from years back, but now in the employment hiring process. I humbly request a full investigation of this matter.
Company Response:
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Attempted to repay a reduced debt then received a letter that repayment options were lower. Interest continues to compound
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Currently, as a federally protected consumer Im seeking proof of the alleged debt, 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. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. . I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A