Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have to withdraw money from my XXXX using XXXX XXXX They send me a check I deposit this check # XXXX $ XXXXand a second check # XXXX total {$83.00} on XXXX XX/XX/2023 the check was cleared on XXXX XXXX deposited to my account routing # XXXX checking # XXXX I went to used my debit car to put gas was declined I call chase bank from J P Morgan ( chase ) they tell me they put both checks on Hold I went to the chase bank in XXXX XXXX I spoke to XXXX XXXX he call someone else they say they put a hold and restrictions on my account and I have to wait until Wednesday XXXX XX/XX/2023 today I check the account I have a positive balance I went back to get groceries and gas, again declined I went to bank again I have to wait 2 hours because XXXX the banker was assistant another client I call customer service they start asking me questions about where I work before then she says they cant removed the restrictions on my account. XXXX tell me the other lady on the phone want to speak with me then she keep saying the same I have to wait another 10 days I show the banker the two emails they send me saying the hold on my account was removed but they keep saying I have to wait XXXX more days I get upset I ask why? I need my money this lady then tell me Chase bank will issue a check and send it to my home address I ask why? Your customer service say you dint have my money because XXXX has not funds now you are saying chase bank will send me a check for Botha check I deposit in 10 days? I dunno what is happen Im having XXXX on XX/XX/XXXX this was the reason why I have to used my retirement money to pay my copayments I need my money.
Company Response:
State: SC
Zip: 29607
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Six or seven years ago Chase Bank credit card tried to collect on debt that wasn't legitimate. It was fraudulent. I filed a complaint with the CFPB ( XXXX XXXXXXXX ). After some communications back and forth, Chase said they would no longer try to collect the debt. Unbeknownst to me, they filed it as a charge off. Now they're sending me a 1099-C for 2022 saying the debt is being forgiven. This means that I wold have to pay taxes on it as income. The IRS told my congressman 's office that I have to get a corrected 1099-C from Chase. I want Chase to send me the corrected 1099-C saying there was no debt.
Company Response:
State: WI
Zip: 53711
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: Banking errors
Consumer Complaint: I legally changed my name in XXXX, however, despite going into the branch and having the name change processed. The name was updated on my end, I was reissued a new card. However, Chase continued to send me mailings in the old name. After struggling to get any support, I finally emailed Chase Executive team on Monday, XX/XX/XXXX to ensure the name was updated on all of their ancillary systems. I received a call from XXXX on Friday, XX/XX/XXXX informing me the changes were made. While traveling from XXXX to XXXX XXXX, XXXX I was unable to access the account via the web. Upon calling, I learned the account had been closed by Chase. I was traveling with no access to a working debit card or funds. I went to a branch in XXXX XXXX, but was advised a temporary card could not be issued and they were unable to revert the changes made in error. - At this time Chase does not know why my debit card was closed - At this time Chase does not know why the associated debit card and web account was closed - There is no option to provide a temporary card ( per the Branch Manager in XXXX XXXX and per XXXX ) - I was advised the cancellation of my card can not be reversed - I was advised that my card ending in XXXX does not show in Chase 's history as a valid account, and as such you are unable to revert the changes that were done in error. The card was used the week of contact with Chase. - I am being told nobody knows what happened and to expect a response by Friday, XX/XX/XXXX - I was told the name was correctly updated and should reflect in 1 - 2 billing cycles. However, I have a hard time believing this. Where would the changes reflect if my association to the account was removed by Chase? - I was left in XXXX XXXX with no access to my debit card and/or funds. I was forced to use a credit card.
Company Response:
State: FL
Zip: 33411
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I saw on my credit report an inquire on XXXX. It was Chase bank ( my bank ). Called and after several phone calls, complaints and requests, I found out they sent an offer for a business account to my old house address when I lived there in XXXX. I have not lived there since XXXX, but they continue to send offers with my information. A neighbor took my offer and applied since the house was vacant since XX/XX/XXXX till XX/XX/XXXX. When I called Chase bank at XXXX, they give me the rude runaround. They said it takes 90 days to have this removed. I called again to ensure they were in process 60 days after XXXX, and the person said, nothing was done and they would take care of it. I asked for a letter, which they never sent. This is XX/XX/XXXX. I WANT TO APPLY FOR A LOAN TO BUY A HOUSE AND THEY REFUSE TO REMOVE THIS CREDIT INQUIRY!!!! My cash is becoming worthless ... and worth less. Hence, I need to purchase a property. I told them I want to purchase a home and they are refusing to clear this up before I apply for a loan. I called XX/XX/XXXX and they said it takes 90 days and I need to wait till XX/XX/XXXX. I called back XX/XX/XXXX and still nothing except I need to wait 90 days for this to clear up. This inquiry also resulted in a letter from Chase to me asking if I am opening up a business account. They refused to tell me the address and yet, I finally asked enough times when I got a hold of someone in a foreign country instead of the XXXX. I asked what city and was told XXXX XXXX. Thus, I told them, XXXX XXXX XXXX and they confirmed. I knew exactly! I still own the home since purchase in XX/XX/XXXX, but I don't live there and have not since end of XXXX. I got a letter, which I will attach and they want to change this to a soft inquiry. I want NO inquiry as I did not do this. This is the fault of the bank sending these open ended offers that will result in a hard inquiry. CHASE bank knows my address, they knew I moved my home from XXXX XXXX, CA to XXXX, CA. They have that information. They have no business sending offers that trigger this to the open. They are responsible. They need to remove, not change to soft, but remove the inquiry immediately IF they can put a hard credit check on my credit report within hours, they can remove it within hours, not 90 days! The credit hit, is still there today as I checked again.
Company Response:
State: CA
Zip: 950XX
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: 2023-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Before this call I had went to deposit a total of {$200.00} into my account by tappi g my card since the card reader wasn't working. Later on XXXX, 2023 in the afternoon I received a call from this chase branch XXXX stating someone was trying to do fraud and they were calling to prevent it from happening they said they were going to text my phone number a pin to lock my account and mail out a new card so I read them the pin back they texted. A few minutes after I started seeing money being withdrawn from my account which added to a total of XXXX dollars. After that I rushed over to my chase branch and spoke to the manager and they helped me lock my account and file a claim. The next day I checked my account to see if I had gotten the temporary credit but it resulted they withdrew more money to a total of XXXX dollars on XXXX XXXX2023. I went back to my chase branch and they helped me do another claim. A few days later I checked on my claim and they were both closed saying there was not enough evidence to give me my money back. When I checked my account for those withdrawals they did it showed they had been done through the same ATM where I had deposited money that same morning. So all the withdrawals presented on my account were from the same ATM I deposited my money. I don't understand how there was not enough information if they checked their cameras they should of seen I was never at the ATM withdrawaling those amounts. At first they said I was getting my money back so I was very confident waiting even waiting for the temporary credit. Even the manager at the branch said they were going to help to get my money back and nothing. I felt very mislead by the fact they kept making it seem I was going to get my money back and they were going to check the cameras and reopen a new claim which they never did.
Company Response:
State: CA
Zip: 90805
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Re ; Overcharging- Assurant lender Placed Insurance I dont know if the Consumer XXXX Bureau is the appropriate authority for lender placed insurance. If not can you forward to the correct agency or person? I am XXXX XXXX XXXX. I live in Florida. I am appealing to the Consumer Financial Protection Bureau for help. I am specifically asking consumer protection to weigh the possibility that XXXX should rebate at least part of the premiums already charged to homeowners subject to lender placed insurance. I believe XXXX XXXX the lender placed insurance company is overcharging premiums. The most financially fragile homeowners in the U.S are being taken advantage of, in fact, being run into foreclosures by some of the highest premiums and lowest claims payouts. These homeowners are required to pay for the operational details of placing lender chosen policies on mortgages, including the costs of tracking XXXX XXXX mortgages. ( Attached : XXXX : XXXX and XXXX Report, Fourth Quarter XXXX. ) The costs are rolled into some of the highest insurance premiums in the U.S. XXXX quarter over quarter XXXX is leveraging millions of dollars for stockholders through ongoing technological advances creating cost saving operational efficiencies in lender placed insurance. XXXX is posting XXXX XXXX dollars in the lender placed insurance business segment-payable to some of the wealthiest institutional stockholders in the world. My original homeowners insurance company cancelled my policy because of a XX/XX/XXXX claim. In Florida this made me uninsurable. Chase Bank imposed a lender placed policy on my mortgage from XX/XX/XXXX to XX/XX/XXXX which is Assurants third financial quarter XXXX to second quarter, XXXX. Between these dates XXXX reports ongoing digital advances in operational efficiencies in lender placed insurance leveraging millions of dollars in cost benefits for stockholders. Expense efficiencies from new system enhancements strengthened digital capabilities Investing digitalization. Create more cost efficiencies Profits expected to grow..operating efficiencies XXXX savings initiatives digital first XXXX XXXX leveraged in operational efficiencies XXXX in operations. Differentiating our tracking capacities improving efficiencies.. On XXXX, XXXX, XXXX and XXXX XXXX issued a news bulletin announcing new, state of the art, industry leading, proprietary information systems that seamlessly integrate homeowners ' insurance information between XXXX and mortgage lender including, tracking XXXX XXXX mortgages There is so much money in these advanced operational efficiencies that XXXX is advertising cost savings-cost benefits. ( Attached XX/XX/XXXX XXXX XXXX, XXXX advertisement ) However, there is no layer of consumer protection in the deep interface between these advanced information systems. Millions leveraged for stockholders by accelerating technology should be rightfully rebated to homeowners who already paid full price for the same operational details, including tracking XXXX XXXX mortgages. I was paying Assurants crushing premiums from XX/XX/XXXX to XX/XX/XXXX, XXXX cost could have caused the loss of my family home with more than {$100000.00} in equity. I never received any notice of intended rebate even after XX/XX/XXXX. In addition, XXXX should be adjusting premiums taking into account the cost benefits of these expanding technological advantages.
Company Response:
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a bill in the mail from Chase for a credit card I did not have. Although it looked legitimate, I doubted that it was real. I looked up the phone number on the actual Chase site and called. After verifying my identity, they confirmed that the account had been opened and marked it as fraudulent. They notified me that the individual that opened it used 'my social security number ' and they are investigating it.Charges of {$5600.00} on that card that had been opened for the full bank statement duration. Chase told me to contact XXXX and supplied me with the number. I called XXXX and opted for the credit freeze option. My concern is this may be just the beginning of accounts opened in my name although the credit report I viewed showed no activity, I recognize that it and possibly others simply may not be logged yet. Chase is handling it correctly, XXXX took proper action in my opinion. I'm simply wanting to ask if there's more I should be doing to lock down my Social Security number to better protect myself. Please help where you can. Thanks
Company Response:
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Company Response:
State: FL
Zip: 33610
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: Trouble during payment process
Subissue:
Consumer Complaint: there is an escrow overage amount in my mortgage account that is {$4500.00}. Chase supposedly mailed it out to me the check in an escrow statement back on XX/XX/XXXX. I dont get statements so the XXXX there didnt think to check that I get paperless statements. They still couldnt figure it out 10 days later. I figured it out when I went to my statement settings. XX/XX/XXXX they re-issued another statement supposedly mailing it to me. I have never received it. And I checked tonight and they credited that check back to my account again. Ive never received my money. No one responds to my inquiries. Theyre keeping my money which is my money. And theyre not applying my mortgage payments correctly. I paid the regular payment and they only applied the new adjusted monthly amount which is {$200.00} less. They have not applied my extra {$200.00}. They have not responded to me. They are stealing my money.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In accordance with the FCRA, this creditor Chase has violated my rights, under USC15, 1681 section 602 states I have the right to Privacy. USC 15 1681, SECTION 604 STATES A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION USC15,1666B STATES A CREDITOR CAN NOT TREAT A PAYMENT ON A OPEN CREDIT PLAN AS A LATE PAYMENT, UNDER ANY CIRCUMSTANCES
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A