Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e- Apersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ). The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.
Company Response:
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX I redeemed rewards points on my Chase Freedom card for an Amazon {$50.00} digital gift card. I received an email at my email, XXXX, confirming receipt of my gift card order. The email stated that Chase would send the digital gift card either immediately or within 48 hours. I checked my email, including spam folder and did not receive the email containing the digital card. XXXX-spoke to Chase customer service and was told they would investigate and send another card. XXXX -- After not receiving the card I spoke to supervisor at Chase customer service and was told he would expedite the matter and send the digital card within 10 days. XXXX not receiving the card I spoke to customer service and was told she would send a physical card to my home at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. XXXX After not receiving the card I spoke to customer service and was told a digital card was sent on XXXX to my e-mail. No email received. Requested a physical card be sent to home
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I've a totally XXXX son XXXX yrs of age, my ex-wife was his legal guardian but past away unexpectedly XX/XX/2022. Myself his father and current wife have since been appointed by the court of XXXX XXXX WI as his new legal guardian 's we've provided Chase Bank with copies of the court documents and copy of her death certificate including copies of her guardianship. We currently reside in XXXX NC and are trying to get my son relocated to NC from WI, he's currently in a XXXX XXXX due his condition, he has severe XXXX XXXX unable to speak nor do anything for himself. We've made four trips to the Chase bank in XXXX NC over the past 3 month attempting to get his acct either transferred into our names or closed. It's a 40 minute drive one way from our home to the bank, they don't return phone calls and won't tell us why they won't approve our closing of the account or grant us access to it. We keep getting conflicting information from them. This has held up him getting his payments from social security. We've since opened an acct for him with us as his guardians at XXXX XXXX XXXX and just now received a deposit from Social Security. However there's still an unknown amount of funds in the Chase bank checking account they're refusing to allow us access to. My wife and I have been trying since early XXXX to get his banking in order and are fed up with their lack of response to this issue, please help us because we don't understand why this is such a problem with them and it's gone on far too long, my son needs his money to help cover the cost of transport here to NC to be closer to us. Thanks in advance for any and all assistance you may provide,
Company Response:
State: NC
Zip: 28092
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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 owe 10 % of a business two years ago, I had a credit card i open with the company i was let go and my shares of the business was sold. I never hear anything about the business credit card. I never got a statement by mail or access to get statement from online. after two years the company one day just put it on my personal account due to the company not paying the bill. I have not work for that company for two years and no statements was send to me tell me the payment past due. I was never given a notices about this before they decision to put this on my personal credit and they reported it ask a personal account and not a business account.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I simply used my accounts and the bank closed them. I was sick and had to take time off work which made me need to use my credit, now I am better got back to work trying to get things back under control and JP Morgan Chase decides to do massive damage to my finances and credit score for absolutely no reason.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On or around XX/XX/2023, I was contacted by a representative from Chase Bank, XXXX. to discuss balances on my existing revolving credit accounts. Despite the fact that I have never missed a payment, I was advised that my credit limit on each card was being reduced. I do not take issue with that decision, as it is squarely within the prerogative of the card issuer. However, Chase made the inexplicable decision to report each limit decrease one-by-one -- instead of at one time, or near the time the decision was made -- resulting in a new diminution of my credit score with each such report. On information and belief, the bank will continue to report these new limits on various one-off bases, which will further lower my credit score, despite that I have engaged in no action that should result in any further diminution.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received correspondence from Chase Business card services on XX/XX/XXXX stating they needed me to contact them regarding an application for a business card account. I will attach referenced letter. I called on XX/XX/XXXX to the number provided ( XXXX ) @ XXXX XXXX and spoke with " XXXX '' in the verification dept. While speaking with him and explaining that I had not applied for any account, that I already have cards with Chase I noticed on the letter it has my name and a different address, one in NY. I live in Kansas. XXXX told me he would cancel the application and notify the credit reporting agency ( XXXX ) to remove the inquiry on my report. I received notification also on the XXXX of XXXX XXXX from XXXX XXXX XXXX that there had been a decrease in my score due to this inquiry from a score of XXXX down to XXXX a drop of XXXX points due to this inquiry. I was assured that it would be removed once they received the letter from Chase that it was a fraudulent application. I was told to wait 3-4 wks. and I will see the removal on my report. On XX/XX/XXXX I called Chase again to check status and spoke this time with " XXXX '' in the verification dept., who could not find any letter sent to XXXX and assured me that she would do that and also send me a copy of it. I waited again to receive any correspondence and did not. On XX/XX/XXXX I called XXXX customer service and explained the issue to " XXXX '' who found the inquiry still on my report and not able to be removed until XXXX of XXXX. After check with his " supervisor '' he told me that it was a " LAW '' that it could not be removed for 25 months. I explained the situation again that this was a fraudulent application by someone other than myself and it has impacted myself and the credit score due to nothing that I have done and I do not feel I should be penalized for that. Again the word " Law '' was used and I was told there was nothing I could do. I asked him to have the " supervisor '' reference the exact " Law '' that states if fraud is committed on a person that person will suffer the consequences under ALL circumstances, he put me on hold for a few minutes and came back to tell me to contact the CFPB and start the complaint process. Still no " law '' explanation. I feel that Chase initiated this inquiry without verifying the validity of the application, then after the inquiry was done they probably realized the address error and sent me the correspondence about the application. I am also filing a complaint with XXXX for this issue for refusing the removal of this inquiry. I pride myself in my credit worthiness and am constantly monitoring it to make any adjustments if needed. It's not explainable to me that I should be penalized for errors by any institution or individual that has committed a fraudulent act against me or my good credit standing. Please have someone look into the matter further, feel free to reach out for any additional info if needed.
Company Response:
State: KS
Zip: 67226
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I woke up to find XXXX transactions in my bank account one going to my other bank account and the other to someone named XXXX. The payment message said XXXX. So I tried to figure out what was going on only to find out that my brother took my phone while I was sleeping to send that money. I called and told chase what happened to my brother but took the blame for it since I figured there was no difference between me taking the blame or not in this case. Only to be told by an attorney that I need to call back and tell them that I didn't authorize the transaction. So I called back and they told me I need to go inside a branch write a note and fill out a paper to cancel the claim and refile it again. So I went inside the branch and did that, only to call the next day after they rejected my claim since " it was authorized ''. And they told me they didn't get anything to change the claim. But they did, since they rejected the transaction going to my other bank account ( rightfully so ) ( I'll figure that out with XXXX XXXX XXXX ). And both claims were on the same paper. They even told me they see it on the other claim and after I told the representative to read it and he started reading it. He went quiet and didn't say anything. I attached the document that was sent to chase below.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Wednesday, XX/XX/2022, I used an ATM in a casino ( XXXX 's XXXX XXXX ). I attempted to withdraw {$600.00} plus there was a fee of {$38.00} for a total of {$630.00}. The money was not given to me from the machine but a transaction slip was printed out that I go to a cash window as I ( mistakenly ) chose a credit card advance ( I was using my debit card ). The slip said that If I did not turn in the receipt for money, there would be no funds withdrawn from my account and any holds would be stopped after 1 hour. I went a window but was unable to get cash as my ID was expired. I checked my account Friday and the funds were there and available so I withdrew {$600.00} from the ATM at another location. I threw away the slip that said no funds would be taken at this point since my money was in the account and available for withdrawal. On Saturday, my account was overdrawn because Chase took the {$630.00} out of my account. I filed a dispute with the bank which was denied. The sole reason was that is was a 'pin based transaction '. I called Chase on multiple occasions to see what steps were taken to confirm that money was withdrawn from my account and delivered to the merchant and was always advised that it a different department that did the investigation. I requested a breakdown of the investigation and was never provided anything despite my multiple requests. I reached out to XXXX 's where the transaction occurred and was given the information for XXXX who I was advised was the ATM merchant ( phone number XXXX ). XXXX gave me a case # of XXXX. I was told to wait 5-10 days for an outcome and did so. XXXX confirmed no money was taken from the ATM ( aka merchant ) and that Chase should refund my money as the merchant never received any. After another call to Chase, they still refused. I then got Chase and XXXX on a conference call and XXXX conveyed to Chase that they did not receive the funds and still Chase refused. They asked for XXXX to fax over proof. On XX/XX/2022, I followed up with Chase regarding after the requested 3-5 day waiting period after the merchant confirmed there was no transaction in the conference call. Per Chase, there were no notes regarding the hour call or conference with merchant, no notes regarding the merchant advising there were no funds received and would send over a fax of a screenshot as requested. They just kept saying my claim was closed and they cant do anything. I asked again how I find out what steps Chase did in their investigation to deny this claim; was advised that 'Investigations ' does that and they dont have that information and could not provide it to me. Asked again how I get the step by step investigation done on my claim to determine the claim should be denied. She put me on hold and then said Chase requested documentation and did not receive it. This is effectively theft by Chase ; I have not been given any proof they have taken any steps to disprove my claim, the merchant has advised me and a represented no money was withdrawn, and still Chase refuses to refund my money. I have spent many hours trying to resolve this matter.
Company Response:
State: TX
Zip: 78723
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase Bank froze my account because THEY misunderstood my son 's inquiry into a previous UNRELATED joint acct. I got my daughter to investigate the problem for me. They would not speak to her even though I gave permission. We went to get a notarized Power of Attorney. They REFUSE to honor it! This is not the first time this has happened. More than 20 years ago Chase added illegally fees for services to my account they claimed I asked for. I did not. They then claimed my dead husband had. He had not. It's sexist & condescending. In current problem Chase Bank also claims they are just " trying to protect me ''. Again insultingly condescending in order to cover their predatory practices. Chase also blocks any attempt to resolve the problem by blocking our combined ( Mine, my daughter 's & my son 's ) efforts to communicate with them. We get put on perpetual loops of go talk to 'x " go to 'y ' no go talk to 'z " We have spent more than 40 hours trying to talk to someone!!! ( Final insult was they use threatening tone to say we are recording you & will use this. When we say " ok and we are recording you ' They refuse! ) The POA was meant to bypass those blocks so my daughter could speak on my behalf. They're blocking that & any other efforts to unfreeze more than $ XXXX that they refuse to release nor discuss!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A