Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, submitting a new complaint due to a response received from JP Morgan Chase Bank with someone elses information uploaded to this account as a response towards a wrongful inquiry made on my account.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A XXXX company named XXXX XXXX XXXX took funds out of my account without my knowledge saying I authorized them to do so which I have not.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I began my loan application on XX/XX/23 with Chase mortgage. I submitted all of my documents and I was conditionally approved on XX/XX/23. I remained in constant communication with the lender on a weekly basis to ensure there were no concerns at any point in the process. Our closing date with the title company was scheduled for XX/XX/23. During the process my inspection report was completed on XX/XX/23 indicating that the seller did not disclose possible fire damage in the attic. Based on this information I renegotiated the price of the house by a decrease of {$12000.00}. I submitted the new loan price and documents to Chase on XX/XX/23. On XX/XX/23, Chase lender requested information related to the decrease in price in which I provided them with the response. On XX/XX/23 I sent a follow up email related to any issues or concerns with the loan and requested verification that we were still on schedule for closing. The lender responded that I had completed everything on my end and they just needed one more form regarding the house being in a historic location. I submitted that form on XX/XX/23. My family and I flew to XXXX XXXX for the walk through on XX/XX/XXXX and the closing on XX/XX/XXXX. I received a call during my walk through on XX/XX/XXXX stating the appraisal/underwriting department was not comfortable with the information provided to them regarding the attic. I was told that they now needed a structural report stating the roof was safe. I hired an emergency structural engineer who provided me with a report on XX/XX/XXXX which I submitted to the lender at XXXX stating the roof was structurally sound and the damage was surface only. I repeatedly told the lender that they literally had 3 weeks from the time of their 1st inquiry to have me submit information but they waited until 4 days before our closing to act in this way. Needless to say, 4 hours prior to my scheduled closing, I was told our loan was denied due to XXXX concerns about the home. I have numerous emails related to all of these conversations with the date stamped. All utilities, home owners insurance, etc was already completed with the understanding that our loan was going through up until XX/XX/XXXX. The financial and emotional struggles this company put me and my family through were unacceptable. If they would have asked questions or denied my loan 3 weeks prior when this issue first brought to their attention, I could have made different decisions. Instead, I and the sellers, have been directly impacted ( as they had already moved out of the home ) and I was now in XXXX XXXX with my family without a home to close on. I had to pay for travel for me and my family, a n emergency structural report and utilities in my name for several days based on the lenders literal last minute decision. I want to be reimbursed for my travel, inspection and structural reports, utility payments, and emotional damage this entire process has caused me and my family. I am not sure what that would equate to, but I do not want this to happen to anyone else by this lending company.
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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: Please do not mark this as duplicate, since I was instructed by the previous Chase representative to submit a new claim through CFPB. Here 's the updated claim : I made a reservation with XXXX for the period of XX/XX/2023, to XX/XX/2023. Prior to the scheduled stay, I found myself dealing with a significant medical emergency and made an inquiry about the possibility of a refund if I had to cancel my reservation, but never agreed to a cancellation if theres no refund. If the reservation cant be cancelled or has to be cancelled without refund then I would just gave this reservation to my friends and family. To my surprise and without my consent, the reservation was cancelled by the merchant and the dates were made available for rebooking. I had never agreed to this cancellation, let alone without the provision of a refund. The abrupt cancellation by XXXX, without my explicit approval, left me at a financial loss, having paid upfront for services that were never rendered. Despite several attempts to rectify this matter with the merchant, the situation remains unresolved. As of today, I have not received any reimbursement for the cancelled reservation, and I believe this constitutes a violation of my consumer rights. The sum at stake is {$1400.00}, and I am seeking a full refund of this amount. I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter and to ensure the prevention of such practices in the future.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A so called loan company ( XXXX ) contacted me and went in my account and reverse payment on old bill. They did that, to make it look like the loan was in there, they called back the next day and ask me to wire the money after I started to pay bills with it
Company Response:
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had an XXXX scam back in XXXX. I had to buy XXXX cards from XXXX. Then, they return money. Chase account. I reported it fraud. I later found out that the FTC found a similar scam. I did get a letter in the mail so I thought it was legitimate.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am a franchisee of a chain of stem cell clinics called XXXX XXXX. As a franchisee, my own business entity name is required to have a name that is different than " XXXX XXXX. '' My entity is XXXX XXXX XXXX XXXX. I opened a Chase business checking account. Many of my patients are very old. Some are in their XXXX. They have trouble hearing. They see " XXXX XXXX '' on the signage and write their checks Pay To The Order Of XXXX XXXX. I instructed my employees to always make sure they write XXXX XXXX XXXX XXXX but employees make mistakes. My employees deposited checks into the checking account with Pay To names ranging from " XXXX XXXX '', " XXXX '', " XXXX XXXX XXXX. '' Again, many of these people are hard of hearing. Chase did not reach out to me for the simple explanation that this is merely a DBA ( doing business as ) and instead shut down the account without warning. We recovered from that by opening an account at a much better bank, but chase froze the {$17000.00} that was in the account. First they said they would send a check. That check never came, so I inquired further and they said the funds are frozen until all the check writers verify that they intended to write the checks. There are XXXX people, with XXXX checks. They demanded each one of these people visit their local Chase branch, despite only one of them being a Chase customer, and talk to a banker to resolve the issue. Chase bankers are mostly very inexperienced people who have no idea what to do. These XXXX, XXXX XXXX XXXX patients have great trouble getting around and a trip to the bank is a struggle for them. Despite this, they did it, only to be confronted by bankers that had no clue what to do, even though I gave them written instructions and explanations of the situation. Finally the story changed and Chase said do not send these people to the branch, instead call XXXX, which is Chase compliance. Since the account closed at the end of XXXX / early XXXX, I have called multiple times a day every day. It has been almost 3 months of calling, trying to catch these people when they are available, since most do not have a cell phone. Chase insists that they reach out to these people and that they use a number that they can somehow " verify '' for these people despite them not being Chase customers. They will not accept the phone numbers I have for these people, on which I am easily able to contact them. Finally, today, XX/XX/XXXX, I called the number and the rep was able to verify the check for the very last person who needed verification, XXXX XXXX. Upon doing so, the rep said that all XXXX of the checks / XXXX people were now verified and the funds would be available. He said he unfroze the account and he was going to mail me the check. But, as I said, Chase bankers are unqualified for their roles, and Chase had the wrong mailing address for me. They instead had the address of the West Virginia XXXX of XXXX. This is because the business is registered with the XXXX XXXX and the address for the XXXX XXXX appears on its letterhead. So the incompetent banker used this address instead of my entity 's address. The Chase rep on the phone proceeded to change the mailing address to the proper address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As he was doing so, the call dropped. Chase has a policy of not calling people back. So I had to start over. I called the Chase compliance number again and got a rep who, after XXXX minutes, still could not comprehend what I was talking about. I hung up and called again. I got another rep who put me on hold for XXXX hours while she " investigated ''. Upon returning, she told me that actually XXXX of the XXXX checks were still unverified. I was shocked, because again, I have called every day for the past 3 months and I am intimately aware of who is and is not verified, and exactly the time that they were verified. And only XXXX hours prior, I was on the phone with a rep who said he had unfrozen the account and was just getting the right address so he could mail the check. The answer is different every time with Chase. Phone calls are a dice roll. I insisted on speaking with a supervisor. I waited another hour, and the supervisor said the same thing. He listed the names of the " unverified '' people : XXXX XXXX, XXXX XXXX, and XXXX XXXX. This was shocking, since I specifically remembered exactly when and how these people were verified. For example XXXX XXXX was verified on XX/XX/XXXX at XXXX eastern. I specifically remember it because XXXX is a chase accountholder. He had a request on his account not to be called. We had to request that he call Chase, ask to temporarily be removed from the do not call list, and then tell us so that he could receive the call and verify the check. Amazingly, he did all of this for us, and Chase was able to call and verify at that time. But now they say, actually he wasn't verified. I told the rep tonight to check the notes on XX/XX/XXXX. He confirmed he did see it was noted that Chase made contact with XXXX and verified that he wrote the check, but then this verification was later rejected by back office because the phone number is " not verified. '' In fact, he said they do not have a verified phone number for XXXX. I asked : " So he is a chase customer but you do not have a phone number for him? '' The rep said yes. Absurd. The number on which he was reached was XXXX, which is his phone number. I clarified with the rep if the issue is truly that he does not have a verified phone number, or instead just that he has reinstated the call block request. The rep said that he does not have a verified number. I said how do we get a verified number? The rep said it is impossible. So Chase confirms that what they are asking me to do is a literal impossibility. I have complied to the maximum extent, and yet they still hold my money. Calling and making requests of these people has resulted in financial loss and destroyed the reputation of my business locally. Having {$17000.00} frozen almost put us out of business as well. Chase does not care and admits that their requests are impossible. XXXX XXXX is the same situation as XXXX. The notes show she was indeed contacted, at XXXX, and she did verify the check, but the phone number is just " not good enough. '' The third person XXXX XXXX, has a number we can use apparently, but is currently not picking up the phone. I will attempt again tomorrow, when I am sure I will get completely different information, and upon XXXX 's verifying the check for a second time and then calling and swearing at my employees for the hassle, Chase will make up some other excuse not to verify him. The last Chase rep I spoke with tonight on XX/XX/XXXX was named XXXX, and he refused to tell me where I can make a formal complaint against Chase. I told him that he knows where, and he is required to tell me where, but still he refused. So I told him I would make sure to include his name in my complaint. I need my funds back. This is outright fraud and theft and has caused me great financial and reputational losses. Chase openly admits that what they are asking for is impossible and that they will hold my money perpetually. There needs to be an alternate avenue to resolving this, like for example acknowledging that the customers that confirmed they were verified, that the notes show were verified, ARE IN FACT VERIFIED. XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My name is XXXX XXXX XXXX being stolen by Chase : XXXX XXXX {$5000.00} XXXX XXXX {$2000.00} XXXX XXXX {$870.00} XXXX XXXX {$2000.00} XXXX XXXX {$8000.00} XXXX XXXX {$1000.00} XXXX XXXX {$2500.00} Also I would like to note that although Chase admits XXXX of these XXXX people are verified ( and until the very last phone call I had, said that all XXXX of the XXXX people are verified ), they refuse to release any funds until every single check is verified. This is blatantly illegal.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
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: For 10 years I have had all of my personal and business credit cards with Chase. One of my businesses with a partner is closing so I called Chase about that card which had a {$2000.00} balance but has never been late. They offered me a settlement plan for 90 % of the balance, which payments I have made on time according to the schedule. I asked repeatedly if this would affect my other Chase cards, was told it would not, and a week later 3 of my remaining 4 Chase credit cards were closed without notice. Upon execution of a settlement agreement the amount owed under the plan supersedes any prior balances and becomes the agreed upon amount that will be paid to Chase, in full satisfaction of the debt. After execution of that agreement a refund was issued to my card by a vendor that had mistakenly charged the card for a subscription. It was refunded to the closed account which I can no longer use and am making payments on. Chase 's position is that the refund applies to the balance, which is greater than the amount I owe anyways, and can not be applied to the payments I'm making to Chase. I've talked to like 10 people at Chase and have been told that " there isn't necessarily documentation '' that says that they get to keep the money, " it's policy. '' I've had multiple other Chase employees say that it's not fair, but after talking to a " supervisor '' that just is what it is. It's only {$50.00}, it's not going to make or break me, but Chase is keeping what I view as my money, no one there can explain around the legal principles I've presented as to why it's actually their money, they just are the ones who have it so are keeping it.
Company Response:
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Chase issued me two credit cards one in the name of United Airlines Mileage card and other Marriott XXXX point Rewards cards. They actually lured me into signing these cards for me by spending thousands of dollars in XXXX months in return gave me bonus miles and reward point. I made initially big purchases with these cards and have been paying off regularly once monthly statement generated. I never delayed my monthly payments. Now suddenly ON XXXX they canceled both my credit with total credit line of {$29000.00}. Myself being senior citizen worked hard all my life and now I also have to refinance my reverse mortgage where I could get big credit line like $ XXXX but unfortunately because of their sudden closure for none of my fault I can not refinance because my credit score will drop down as well I am unable use these credit cards to earn more miles and bonus points.To me it looks they have no business ethics and have been very harsh to me. The only reason they told me that many years back I have stopped their credit cards like British Airways, Amazon and Marriott cards but if that was their concern why did not they stop when luring to these XXXX cards. Thanks and best regards. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone XXXX and XXXX
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I contacted the fraud department of JP Morgan Chase, where I have a checking account, to notify them of two fraudulent ATM withdrawals on my account which happened on XX/XX/XXXX. The withdrawals were for {$200.00} and {$300.00} respectively, with the {$3.00} charge due to the withdrawal occurring at a non Chase ATM. The money was withdrawn at XXXX XXXX in XXXX, a bank I have never visited nor used an ATM before. I made two of my own transactions at XXXX XXXX ( a return ) and XXXX XXXX at XXXX XXXX XXXX in XXXX, IL with my debit card on XX/XX/XXXX. It appears that the fraudster made the ATM transaction in XXXX at or around the same time. I was in possession of my debit card the entire time. It would be impossible for me to use it in both XXXX to withdraw cash and XXXX, XXXX minutes away, to pay for my dinner. Chase began an investigation and temporarily reinstated the funds on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX notifying me that the bank had found the withdrawal to be legitimate and that there was no evidence of fraudulent activity. They informed me that the transaction was a chip transaction, and that it is nearly impossible for a fraudster to recreate the specific code the cards pin carries. Because of this, and the fact that the transaction occurred at an ATM near my address, they determined it could not be fraud. I called the fraud number again to ask why this determination was made, and the agent told me my only option was to ask XXXX XXXX, where the money was withdrawn, for security footage or to file a police report. Chase removed the funds from my account, a total of {$500.00}, on XX/XX/XXXX. After speaking to the Chase representative, I went to the XXXX XXXX branch on XX/XX/XXXX and spoke with a XXXX, explaining the situation. He informed me that he could not release any information including any sort of footage without a police subpoena. He said even with one it could only be released to police, not me directly. But Chase repeatedly suggested I pursue this plan. That same day I visited the XXXX XXXX Police Department and filed a report with XXXX XXXX XXXX, and was assigned case number XXXX. He instructed me to call the bank and inform them of the report and the case number, which I did the same day. The Chase employee told me this was not relevant, and that I could only submit an official police report ( he said the case number or the officers name were irrelevant ). XXXX XXXX instructed me to request the report on XX/XX/XXXX, when he would complete it. I plan to submit it to Chase immediately after. I also reached out to JP Morgan XXXX XXXX on XX/XX/XXXX, and received little help. XXXX XXXX, a banker there, told me the fraud department will not reopen the case unless I can provide video of the ATM withdrawal that shows it was not me performing it. As stated above, this is not something I am able to do as a private citizen. It is not my responsibility to seek that footage, it is the responsibility of Chase. Without it, the supposed fraud investigation is completely inadequate. I have attached correspondence with myself and XXXX XXXX, along with my correspondence with XXXX XXXX.
Company Response:
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A