Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: RE : XXXX This is a portion of their response to my complaint. We sent you the enclosed letter dated XX/XX/2023, informing you that if you don't successfully complete the terms of this agreement, we'll charge off your account and may send it to a debt collection agency. I would like to see " HIGHLIGHTED '' in this letter, dated XX/XX/XXXX, where they stated that the settlement could not be voided. All I am trying to do is continue to make payments until {$4200.00} is paid in full rather than {$2100.00} that was previously settled on. I do not understand their reasoning, as they seem XXXX bent on wanting to have a charge off on my credit repot. As I stated previously I am trying desperately to rebuild my score. XXXX also made a settlement agreement with XXXX XXXX, who worked with me to catch up the delinquency and continue payments as established when the account was opened. I do not understand why they are refusing to accept full payment rather than the settlement amount.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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: It's been more than 30 days and the creditor has not updated the information nor provided proof or documentation of the late payments on my credit report. They have not supplied this information and must remove the alleged late payments on my credit report. Under Federal Law they had 30 days to complete this investigation and by failing to do so the item must be deleted from my report as soon as possible.
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a wire deposit of {$100000.00} from a business customer who banks with XXXX XXXX to be used to purchase a car for the customer as per my business agreement on XX/XX/XXXX. The funds pended for 3 days and was made available by my bank ( Chase ) on XX/XX/XXXX. I waited for 5 days after the availability to use the money for business as always with no issues and was left with {$15000.00}. On XX/XX/XXXX Chase restricted my account and placed a hold on my account refusing to give me my money claiming they got a notice from XXXX XXXX that the money was fraud and for that reason I need to call XXXX XXXX about it. I called XXXX XXXX on XX/XX/XXXX but the wouldnt speak to me since I do not bank with them. So I made my customer call in reference to that and my customer was told by XXXX XXXX they did not send any fraud alert notice to Chase and there is no issue with the customer account or the wire that was sent. I informed Chase about the call to XXXX XXXX and what XXXX XXXX told my customer. Chase told me to wait for 7 business days so they can update my account and remove the restriction. After 7 days Chase told me they were doing their own investigation so I should wait till XX/XX/XXXX. I waited and called them back just for them to tell me they are still not done with the investigation. It is now XX/XX/XXXX and I have been calling them every day trying to get my money back from Chase. They have deliberately refused to give me my money back.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/XXXX, I reviewed our Chase Visa rewards, totalling some XXXX or so points, equal to XXXX about {$240.00}. I elected to have a {$200.00} Amazon gift card digitally, with the remainder going against the balance. On XX/XX/XXXX I received a Your all set! email from Chase Visa, referencing XXXX # XXXX and a digital gift card for {$200.00}. Most gift cards are sent instantly, it said, but In some instances it may take up to 48 hours. The remaining {$43.00} went against the balance. On XX/XX/XXXX, having seen no gift card, I contacted Chase and was told, It can take from 5 to 7 business days, sometimes there are problems with the digital cards. There was nothing in my spam or junk email folders, and I continued to receive other emails and alerts from Chase Visa. I was told they would escalate the matter and to allow another 10 days due to that escalation. On XX/XX/XXXX, I called and again, this time being told, A new eCard was issued on XX/XX/XXXX, wait 2-3 business days. On XX/XX/XXXX, I called, getting XXXX in Customer Service. She said she would re-escalate the situation, with a request to have an actual card mailed out ; she too repeated that there were often issues with the e-cards. XXXX told me to wait until XX/XX/XXXX, the new escalation period. On XX/XX/XXXX, I called XXXX who said the eCard had been reissued, and requested I wait 2 to 3 more days, whereupon I asked for a supervisor. XXXX said she would reorder the card today and I should wait 2-3 days. If any issues at that point, I will cancel and order a hard copy of the card, she said. XXXX mentioned the division between customer service and Marketing, who actually sends out the cards. We dont see them, cant call them ; only email, which I cant give you. On XX/XX/XXXX I called XXXX, who said this was still in the escalation phase and passed me off to XXXX, a supervisor. She read the notes and took a long time commiserating with me, claiming to have filled out a complaint form, reiterating the division between Cardmember Service and Marketing. and that a new physical card should be coming via the US Mail soon. On the morning of XX/XX/XXXX I called XXXX, a supervisor who read my notes and informed me that only a digital card can be reissued ; I will have one of my own supervisors call you. That afternoon, I got a letter from Cardmember Service dated XX/XX/XXXX stating, XXXX XXXX redemptions are finalwe are unable to honor your request. At no point after the initial XX/XX/XXXX email did I receive any digital correspondence from Chase, only physical letters in the mail ; yet, they claim the only way to send me my {$200.00} is via email, despite repeated pleas from me that there is something wrong with how/where they are sending said digital card. I hope you can help me break this chain of obfuscation and delay. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07407
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bought some cryptocurrencies through my bank for a total of XXXX dollars. By means of chase bank to crypto.com and I was a victim of fraud, I made the appropriate complaint to the respective entities and with none I have managed to get an answer and I consider my bank should have warned me or protected my money by seeing the amounts that were being handled.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I can not access my account, I have being trying for years, the account number is not active any more and now if I phone the operator says they can not help me. Account number XXXX Account name : XXXX XXXX XXXX XXXX XXXX GA XXXX POA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last amount : {$31000.00} Correcpsondance below : Thank you for contacting the Office Of Unclaimed Funds. Visit our website at www.osc.state.ny.us/ouf to learn how to search for lost money, claim funds and download claim forms. You may also search by calling our XXXX XXXX at XXXX ( XXXX XXXX XXXX XXXX ). You will need to provide your full name ( and any previous names you XXXX have used ) and any addresses within New York State that you have used. We can also search using a social security number if you feel comfortable providing this information. If youre searching for funds for anyone other than yourself, you must indicate your relationship to the account owner. For example, you may be an estate representative, surviving spouse, heir, Power of Attorney, guardian or conservator. You may also write to us providing the information identified above. After we review your claim, well either recommend your claim for payment or send you a letter stating that we need more documentation. Our mailing address is Office of Unclaimed Funds, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX This communication, including any attachments, is intended solely for the use of the Individual or entity to which it is addressed. This communication may contain information that is protected from disclosure under State and/or Federal law. Please notify the sender immediately if you have received this communication in error and destroy. If you are not the intended recipient, you are requested not to disclose, copy, distribute or take any action in reliance on the contents of this information. -- -- -Original Message -- -- - From : XXXX Sent : XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : XXXX Question : Technical XX/XX/XXXX XXXX AM This email was sent from the XXXX Support page. Name : XXXX XXXX : XXXX XXXX XXXX XXXX : New York Issue : Good day. I have searched and found the claim, on https : XXXX XXXX This property is held by the State of New York XXXX XXXX XXXX, XXXX XXXX Last Known Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX Reported By : JPMORGAN CHASE BANK NA ( 802 ) However when I click to visit Visit New York 's Website to continue with claim the above can not be found, please advise. I contacted Chase Bank with the below request and they sent on the info to contact you. Many thanks XXXX Chat Conversation Start XXXX XXXXXXXX Good day, my Accounting firm in XXXX XXXX XXXX XXXX has been contacting the bank.I am XXXX XXXX XXXX of the late XXXX XXXX XXXX My mother passed away on XXXX XX/XX/XXXX and I inherited the bulk of my late mothers estate. We are looking for information on XXXX XXXX XXXX XXXX Priority Savings Account number ****** XXXX XXXX XXXX XXXX XXXX bank account was transferred to Chase XXXX XXXX XXXX Account number XXXX and I did receive Bank Statements from Chase XXXX There after I received letters from unclaimed property that stated that the account is considered to be abandoned and that the balance will be transferred to the state of Ohio. I did respond by sending a completed Account Certification Form. Is the account closed? Has the funds been transferred to the State of Ohio? Who do we contact to resolve this issue? We have tried continuously phoning but nothing as been resolved as of yet. Best Wishes XXXX Their reply was this : Hello, XXXX, I was expecting to hear from you. The account is currently in purge pending status to be closed. If you have unclaimed funds, please visit http : XXXX. XXXX
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX i used my debit card to pay {$560.00} for a rental car service threw third party booking company called XXXX For the dates of XX/XX/XXXX XXXX XXXX XXXX from rental car company XXXX XXXX when i arrived at the rental company they told me the car i paid for i was to young to rent, they told me my money was transferable to any car the have available, but they didn't have any other cars on the lot they didn't have any cars available for me and to request my refund from XXXX, XXXX denied me a refund. I requested to dispute the transaction with XXXX from my bank, chase bank, and submitted copy evidence of XXXX refusing to refund me and provided substantial proof and along with XXXX refund policy, chase bank looked over the documents XXXX sent to chase and denied my transaction dispute, favoring XXXX. I requested copy of documents XXXX sent to chase claims, and it was only a screenshot of the order confirmation, but was also told by XXXX claims they can not accept my documents of XXXX chat because they where screenshots.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: Sent money out through my Chase checking account to a XXXX XXXX account for an invoice of {$1900.00} on XX/XX/2023 XXXX XXXX Account unexpectantly canceled the money transfer, and the money has not yet been received to the original checking account for over 7 business days, well after I was told directly by Chase that it would take no longer than 2 business days. Chase has yet to do anything to resolve this issue and have hung up on me multiple times after speaking with their fraud department and wire research center.
Company Response:
State: MI
Zip: 49014
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a business complaint against Bank. A customer of ours was prompted to make an ACH wiring transfer to Chase Bank to an account listed under our name ( We do not bank with Chase or have nay account as all with them ) The wiring information provided to our customer by an unknown thirst party was under our business name, but did not match teh actual details of the actual account. Chase Bank accepted this transaction even thought it did not match in the amount of {$15000.00} on XX/XX/. Once I was made aware of this fraudulent transaction I called Chase Bank and informed them this was fraudulent and we do not Bank with them-They allowed me to cancel this account even thought it was not under our name as they tried to hide that. I could not get help from anyone and upon further investigation I discovered they allowed this transaction without matching the business name to routing #. After numerous emails, phone calls and being redirected several time I was getting no where with Chase and the customer and I have decided we should take matters in to our own hands and file a complaint against Chase Bank
Company Response:
State: WI
Zip: 54302
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A