Date Received: 2023-03-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX and a letter was delivered to my household in XX/XX/2023 from JP Morgan Chase Bank. However, because the letter was misplaced my another member of my family, I did not see it until XX/XX/2023. When I read the letter, it informed me that both my checking and savings account would be closed on XX/XX/2023 due to " unexpected activity '' on the account ( s ). Upon seeing this, I thought the letter may have been sent out by mistake because I had been actively using both of those accounts normally ( bill pay, employer direct deposits, automated credit card payments ) throughout the month of XXXX, so I reached out to Chase customer service the next day and made an inquiry about this letter. On that call, I was told by the representative that it was not a mistake but that she did not know why the account was still open as it should have been in a " restricted '' state since XX/XX/XXXX and that was very " weird ''. Upon hearing that, I asked her why the accounts would be closed because I had been using it the same way as I had been for the 7 years that the accounts had been opened. She told me there was no reason provided and that I was at a dead end because the bank would be under no obligation to provide that information for me. I then asked her if it's possible that it could be a mistake since the letter stated that the account should have been closed on the XXXX but it was still open on the XXXX. She said it was possible but the bank would have sent a later stating that it was a mistake. I asked her if there was any recourse and she said most likely not and that I would be left in the dark in terms of why. That of course frustrated me because again, I had not changed the way I had been using the accounts for years and I stressed that it was a everyday normal things. The next day I decided to visit a branch in person, hoping to be able to get more answers. The banker that I spoke to there was kind and tried very much to be helpful. He said he would call the department that sent these letters to see if he could get any more information. While he was on hold, he himself went over my accounts and told me that he did not see anything alarming that jumped out at him and he wasn't sure why my accounts would have been suddenly closed like that. Unfortunately, after he spoke with the department, he said they did not have any information that they could provide me either, other than the Chase had decided that after a " Consumer Risk assessment '' that they would close my accounts. I was not given any information on what was inside that risk assessment but only that it had to do with my accounts. He told me that they account would be closed in 7-10 days and that I should withdraw all of my funds so that I could have that ready to deposit in whichever bank I decided to go to. All in all, this was a very distasteful experience because a regular customer, who has used his accounts for regular, every day things like bill pay and employer direct deposits for 7 years would suddenly have the account closed with no explanation, chance at a dispute or any recourse whatsoever. It's even more frustrating because this is my only checking account and all of my autopay bills are set to this account so now I have to go and change all of that. I think it is extremely unfair that customer in good standing is kept in the dark and unable to dispute what I am 100 % sure is a mistake.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/ 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the JP Morgan Chase Credit department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called XXXX to see if they was notified and the Chase credit department today to follow up about the letter but they hang up on me when I get to that point. Please step in
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been banking with Chase for a long time, i manage both of my sons and my husbands accounts as well. I had every one move their accounts over to chase many years ago. WIth out giving me any reason, as i was travelling through XXXX, chase decieded to close my accounts, they drafted a letter to me on XX/XX/XXXX htat they decided to close my accounts, they sent me that letters one of which i received the day after they closed and one a month after they closed. I have never over drafted or missed a credit card payment. The fact that they closed the accounts without any proper advance notice and the fact that they did not give me an explanation about why they chose to close my accounts. They closed my credit card accounts, my various checking and savings accounts. I have worked hard all my life to have good credit, I live an honorable and ethical life, how has this institution decided that i had conducted an unexpec ted activity? I would at least like an explantion of what exactly triggered them to do this to me. The fact that they did not give me adequate notice, meant that all of our family, mine and my sons essential payments like utilities, phones etc which were on auto pay had to be adjusted, it was a lot of trouble start a new bank account, have new deposits clear through the new bank and have the new payments set up for essential services like heat and water etc. We had late fees and fines that we had to deal with for so many payments that we had on auto pay with Chase. I feel that after my loyalty to chase for the past 7 to 8 years, they least they can do is tell me what triggered them to classify me as an unsage customer
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report. To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. The auto collection : XXXX. XXXX XXXX with account number XXXX for the original creditor " JPMorgan Chase Bank, N.A '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 i was contacted by a XXXX number, when i answered the phone the caller said they were from chase calling about fraudulent activity on my account. I had just walked out of XXXX with my family when i got the phone call. they asked if i had my a charge for XXXX XXXX there and i said no, they then preceded to go over my other transactions for the day to verify them, most of them i was aware of as i had made them, but i told them i didnt do the one for XXXX they then asked if i had made some XXXX transactions one to a man named XXXX and XXXX to XXXX , i told them i didnt know anyone named XXXX, but XXXX i did know, they said there was two transactions in the amount of XXXX XXXX each, i told them i didnt authorize or do those. they had said the money was sent to a XXXX XXXX account and if i had any affiliation with them, i told them no. how could i get my money back and how this happen. they told me i could contact XXXX and have him send the money back so while on the phone with them i texted XXXX he said he did receive the money and that he would send it back, during this the chase agent said that they were sending me one time codes and for me to read the number back and since im doing more then one thing at a time and i think im talking to a trusted agent i gave them the code, never my account number or username or password. they tell me to make sure that uses the phone number to send it back and in the meantime she was going to speak to her supervisor. XXXX sends the money back using my phone number, he then sends me a screenshot. the phone number was mine but the name attached belong to someone name XXXX which the lady on the phone said is was her supervisor and had to be transferred this way since the money went through this other bank XXXX XXXX XXXX XXXX. before hanging up i asked when the money would be put back into my account and what else would be done. she said give it about 5 minutes and that charges would be pressed on XXXX as he was being deemed the scammer. i check my account an hour later and no money. so i called chase and they told me they didnt see any fraud or any records of them contacting me. come to find out XXXX was not the scammer the person that called with a chase number spoofed the call and pretended to be for chase fraud department. at that point i open my first claim with chase on the two XXXX XXXX transaction sent to XXXX through XXXX. any time i called chase to ask about my claim or to add any additional info i was given multiple claims which caused confusion. i also was never asked if i had anything to provide to the claim or investigation until chase told me that my claim was denied due to me being the one who authorized the transaction. i told them i had plenty of proof to say otherwise. they told me to fax them what i had to reopen the claim and they further investigate. i was told it would take 24-48 business hours for them to get my fax, i just found out today that my claim was yet again denied, that they still believed i had something to do with the transactions. i provided them with screen shots of the phone call the number came from text messages emails and a visual voicemail from XXXX XXXX trying to reach XXXX the supposed supervisor of the scammer about activity on her XXXX XXXX account. i also showed them where the hacker added there device a XXXX XXXX to my account to added there device to my phone number. chase did nothing to trace the phone or nothing about contact XXXX XXXX XXXX XXXX about there involvement with this case
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: CONTEXT Now coming to the main issue, this email is regarding the refund for my cancelled XXXX XXXX flight which I booked through Chase Sapphires reward program. The flight details were changed multiple times by myself and later by XXXX XXXX which is causing delays in conversation since the complete context is not clear to all the parties involved. So, I am now going to note the details down so that they act as the source of truth for future reference. TRIP DETAILS PASSENGER : XXXX XXXX ( XXXX ) BOOKING REFERENCE : XXXX TICKET NUMBER : XXXX XXXX PAYMENT METHOD : Chase Sapphire 's Reward Points TRAVEL DATES ( I changed the travel dates multiple times and later it was changed by XXXX XXXX so here are the details of travel dates in each iteration along with the initiator of that change. ) Iteration Number Start Date Return Date Change Initiator Ticket/Email PDF Comments XXXX XX/XX/2022 XX/XX/2022 N/A ( trip creation ) Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Air XXXX XXXX ( Don't have it since it wasn't sent ) XXXX NA ( trip cancelled ) NA XXXX XXXX XXXX ( Don't have it since it wasn't sent ) I later learnt from one of the XXXX XXXX 's customer support agents that not sending the cancellation email is an XXXX XXXX policy and instead I was supposed to check my XXXX XXXX app 's notification . REQUEST Given the details I provided, I feel it would be fairly easy to process my refund and so I once again, after multiple existing requests to each of the parties, request you to kindly initiate the refund either as reward points ( since it was the payment method ) or cash worth the same monetary value.
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Got a scammer text from Chase bank saying that there was fraudulent activity from someone attempting to youse my card. They took me to a fake sign in page where I verified my identity unfortunately.
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Chase Auto Account # XXXX XXXX & XXXX reporting issues. It is well documented that I have tried contacting Chase numerous times to find out how to set up autopay. My intention is to pay my automobile payment biweekly which could potentially save me years of payments. When I have called Ive been told I can do this online. I was clear I wanted to do this biweekly and not monthly as no interest is saved. I have always had to speak to representives from another country with language barriers. They say rest assured XXXX I will get you the steps to accomplish this. I have never been successful at doing this as Chase online will only allow you to set up one payment. With my busy schedule I just dont have the capacity to monitor and pay the additional payment. One half of my monthly payment has been paid automactically while I struggle to find ways to set up the other payment. I was notified that I was reported negatively to the credit bureau. When I spoke to a manager who was very knowlegable about the automatic payment options he advised me for the first time I can not set up two auto payments. I would have to go directly through my banks bill pay service. He put in a request to waive the negative reporting but it was denied. They are perfectly okay giving out incorrect information to consumers regarding payment options that are inpossible to achieve. I would not have been late if I could have actually set this up. I have reached out to the executive offices at Chase after numerous calls. I was told he can not reach you and the claim is closed. They have not updated the negative reporting that has cost me a 70 score drop. The need to take accountabity for not training employees properly on available payment options. Instead they are not. The first time I was given correct information by Chase on my actual payment options was on
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A