Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've been trying to have these unrecognizable inquiries off my credit file for the longest because I never authorized the business that ran my credit to run my credit.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted JPMCB Auto about reporting my XXXX Chase Auto Acct # XXXX XXXX late. This derrogatory information on my personal consumer report is damaging my credit rating and credit profile with XXXX, XXXX, XXXX and XXXX. This is a violation of consumer law 15 USC 16802B. I have never given my permission to JPMCB Auto to report my personal information to a third party ie XXXX, XXXX, XXXX and XXXX. Furthermore I was never given a opportunity to OPT-OUT of this process of reporting my personal transaction history to a third party.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have 3 JPMorgan Chase credit cards, all of which I pay on time. JPMorgan gave me a very high credit limit on each card. I have always paid them on time and all of the interest they charge. Right before I moved to XXXX, NY, Chase intentionally decreased my credit limits and caused cards to be near or over the balance for no reason at all. This caused by credit score to drop to a point where I can not get an apartment. They also would not let me use my card to make small political donations to the Democratic Party. I want them to fix their intentional misconduct that is preventing me from getting housing. They also won't refund a charge that was fraudulent and lie to me over the phone about it. JPMorgan also has a ton of fake student loan accounts. Take action against JPMorgan and demand they reverse their retaliatory conduct so I can get an apartment. I don't want to use their cards, but they need to fix the credit limit and adjust it to where it was so my credit score accurately reflects my credit worthiness rather than having it drop a ton and prevent me from getting housing.
Company Response:
State: NY
Zip: 11694
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I utilized an 0 % XXXX balance transfer that was advertised to me by Chase Bank on their website for the XXXX XXXX Rewards Visa Card. I made a transfer in the amount of {$11000.00}. After completing my transfer, I began to be charged interest on purchases made even though I would pay more than the minimum payment and more than the dollar amount of my purchases. When I called chase to speak with them about why I'm being charged interest, I was told by 3 different representatives, that during a balance transfer period, unless the statement is paid in full ( in this case the full {$11000.00} + new purchases ), my payments would be allocated only to the lowest interest bearing amount first, then the purchases bearing the higher interest. Said differently, all my purchases that are accruing interest will not be paid off and will accrue interest until I pay off the {$11000.00} balance transfer. I was told that the interest provision described above was embedded somewhere in my balance transfer agreement, however it is not clearly stated. Unless the consumer was expressly directed to the subsection and made aware of where to find this hidden stipulation, it is very misleading to the consumer and is an unethical and unscrupulous attack on the consumer. Since XX/XX/XXXX I've made payments of {$6200.00} and have only made {$1800.00} in purchases, but I am still being charged interest on purchases because ( per the Chase Credit Card representatives ) the {$6200.00} has gone to pay down the 0 % XXXX balance transfer and none of the additional payments will be allocated to my purchases. Timeline below : As of my Statement Date closed XX/XX/XXXX, I had a {$0.00} dollar amount of purchases subject to interest accrual. On XX/XX/XXXX, I completed a balance transfer in the amount of {$11000.00} for an interest free period through XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 Chase representatives who all confirm that Chase will lock me into paying interest on purchases unless I pay off the statement balance in full. For this reason " they advise customers not to make purchases during a balance transfer period ''.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: They are increasing the APR from XXXX to XXXX that is a big hike and increase and I can not afford it if they decide to increase I am going to be rejecting a change and once the balance is paid off, I want them to remove it out of my credit report completely. I would like a letter stating once my balance is XXXX they will remove it from my credit report.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a XXXX payment of {$1700.00} from XXXX XXXX ( a friend of mine ). I immediately called to ask her why she sent that since I was not expecting that and the amount was so large. She was on the other line with who she thought was Chase XXXX alerting her of possible fraudulent activity because of the {$1700.00} XXXX payment so she did not send the money, someone frauded her and went into her acct and sent me it without her permission. The person she was speaking to was not Chase Fraud we later found out and was associated with the fraudulent activity. On that call while we were under the impression that it was Chase they alerted her the scammer had been removed from her acct and it was safe for me to send the money back to her. Before sending it back I mentioned I would just go to the bank to be safe and have it sent back that way and the person on the line was adamant they were with Chase and it was safe to send the money back. XXXX was adamant that she wanted me to go ahead and send it back as soon as possible because the amount leaving her acct placed her at a XXXX balance and she wanted to funds back in her acct as soon as possible. Against my better judgement and I didnt want to seem like part of the scam if the person we were speaking to truly was a Chase rep I sent the money back on XXXX XXXX XXXX XXXX request on the same day I received it. I had to put her phone # in on XXXX and her name came up so it matched and I proceeded to send the funds, XXXX got an alert that I had sent it and we ended that call. Later that day she still had not received the money back in her acct so she called Chase and started a claim process with them once she did not have the money back and realized the person we spoke to was part of the scam as well. Once she opened the first claim it was made against my acct since I received the funds, they then froze my bank acct and once we realized they did that she turned in paperwork on XX/XX/XXXX to withdrawl the claim against me to have my acct unfrozen and we spoke to chase to make it clear the claim needed to be against whoever received the XXXX payment since they were part of the scam and should not have received the money. We placed multiple claims trying to get her {$1700.00} back from Chase at Chases suggestion. I placed a claim on XX/XX/XXXX and received a credit from Chase for that, when the claim was later denied they took the {$1700.00} credit back on XX/XX/XXXX. In total I received a {$1700.00} XXXX payment on XX/XX/XXXX from XXXX XXXX, I sent that XXXX payment back on XX/XX/XXXX to who was supposed XXXX XXXX but she never received it and it went to the scammer. I then received another {$1700.00} credit to my acct on XX/XX/XXXX for the claim while investigating and that was removed on XX/XX/XXXX when the claim was denied. In short I received 2 {$1700.00} credit in regards to this and 2 {$1700.00} debits were taken from my acct in regards to this, I never had a monetary amount gained in regards to this matter. This is very clear from my bank statements which I have attached to complaint. In XX/XX/XXXX XXXX XXXX and her husband XXXX XXXX opened another claim attempting to get their XXXX back which was ultimately approved by chase and they received notice of that and the funds back from Chase on XX/XX/XXXX. We thought it was all resolved and finished at that point until XX/XX/XXXX when Chase started to contact me and let me know they placed me in collections for the {$1700.00} amount. This started a long road of contacting Chase by phone and physically in person at the Chase branch in XXXX XXXX. I have been attempting to determine why I owe the money and resolve this since I was a victim in the fraudulent activity as well. Over many phone calls and trips to the branch ive been told multiple reasons why I owe the money and no reason at all, that they had no clue why but I did owe it and needed to pay it. I've also been told by multiple reps with Chase that I no longer owed it or shouldn't owe and needed to wait to investigate to resolve it. Each time they come back after the investigation to tell me nevermind you do owe this money and give me multiple reasons on why I do that make no sense. I've been told they never received their credit back which I quickly proved incorrect. On XX/XX/XXXX around XXXX EST I was told I received 2 credits by chase which again that was quickly proven incorrect since the credit they claimed I received first for a claim was before any claim was ever submitted and my bank statement clearly reflects that I only received one credit from Chase and the original XXXX XXXX - on this day I asked to speak to a supervisor since I knew I did not get 2 credits and when I was transferred to XXXX I spoke to XXXX XXXX a supervisor in the Chase Claims Dept ( he did not provide an ID # ) he confirmed I did not get 2 credits and that I should not owe any debt to chase, he transferred to collections to confirm with them and came back on the line and assured me Collections had alerted him I no longer owed the debt and my collections acct with Chase was in the process of being closed. At that point in the day Collections had closed so I was not able to call and confirm myself, when I followed back up with collections to confirm this I was told they had no idea what he was talking about and should have never been told that because I had an active balance owed. The most recent reason given to me on XX/XX/XXXX for why I owe the money is that the claim XXXX opened that was approved was against my acct when it should have been against the scammer like XXXX, XXXX and I have all been very adamant about to Chase. Chase has acknowledged that they know who received the XXXX payment and have admitted as of XX/XX/XXXX that they never investigated that person or tried to recoop their finds from them despite multiple request by me, XXXX and XXXX XXXX since they are the entity that committed the fraudulent activity. Chase is claiming I am liable to pay this {$1700.00} that they paid out to XXXX back to them because I received the original XXXX payment even though its very clear I attempted to send it back almost immediately and it was received by the scammer/third party without my intent for them to receive it, it was intended for XXXX XXXX only XXXX This makes me a victim in this scam as well and Chase refuses to acknowledge that and is re-victimizing me and trying to force me to pay {$1700.00} I never gained and I do not owe and are refusing to go after the perpetrator/scammer in this fraudulent matter. I have spent hours trying to resolve this issue with Chase with no positive resolution on my behalf. I have also received no written notice that I owe any amount in collections to Chase, I received 1 phone call about it and all other communication about the matter has been when I initiated it over the phone or in person at the branch other than a handful of times they called with an update in regards to an action I initiated. I only know I still actively am in Collections with them because Ive called on multiple occasions and they confirmed it. I am placing this complaint to hopefully resolve this with Chase and have the debt cleared since I was a victim of the fraud as well and should not be liable to pay this back to Chase since Chase has refused to do a proper investigation and go after the person who committed this fraudulent activity. Just for reference 2 police reports have also been filed in regards to this in XXXX IN ( where XXXX lives ) and XXXX XXXX IN where I live. I feel that when Chase suggested to XXXX and XXXX to open the final claim that was ultimately approved which got them their {$1700.00} permanently credited back, instead of opening a brand new case against the scammer they re-opened the first claim that was against/attached my acct despite that claim being withdrawn by XXXX XXXX XXXX XX/XX/XXXX. That or they made a new one against me since I received the original XXXX payment instead of going after who received the returned payment that I intended to go to XXXX XXXX. If this is the case that is against my wishes and XXXX XXXX XXXX ' wishes, we have all been extremely adamant XXXX and I were the victims and Chase needed to investigate against the scammer me. You can contact XXXX XXXX to confirm her part in this or to substantiate my acct of this issue- her phone # is XXXX. If you need anymore information regarding this matter please do not hesitate to reach out to me at XXXX. Thank you! I am attaching my bank statement that shows the activity starting on XX/XX/XXXX as well as notes I took during several interactions either over the phone or in person at the branch.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was asked by the person to send money via XXXX to his landlord for the rent. He promised to return me money within 2 weeks. it happened on XX/XX/2022. As of now I did not get money back. this landlord refused to give me money back, his XXXX account probably was blocked, the person who asked me also disappeared. his phone was disconnected. so, I was scammed. I requested my bank Chase investigate it, they opened the claim, but refused to send me money back. Please do an investigation. the person I sent money was XXXX XXXX, email XXXX. the person asked me is XXXX.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A