Date Received: 2023-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX, I obtained a mortgage with JPMorgan Chase Bank ( hereinafter, " Chase '' ). Starting in XXXX, I had a hardship due to Covid, and in early XXXX filed a Hardship Declaration with Chase regarding my mortgage, asking for forbearance and loss mitigation relief. In XX/XX/XXXX, Chase offered me a trial plan and then wrongfully reneged on the trial plan. Chase also failed to grant a forbearance on my mortgage. On XX/XX/XXXX, I sent a legal letter/claim identifying Chase 's breaches and violations of law ( with supporting citations ), which led to Chase entering into a Settlement Agreement with me effective XX/XX/XXXX, followed by a Loan Modification Agreement effective XX/XX/XXXX ( hereinafter, the " LMA '' ). I fully performed under both agreements, but Chase materially breached these agreements. Reading the two agreements together, most specifically Paragraph 2 and Exhibit " A '' of the Settlement Agreement and Paragraph 2 of the LMA, it is clear that my then-existing Home Equity Line of Credit ( HELOC ) was replaced with a 40-year mortgage at a fixed 4 % rate with monthly payments of {$1300.00} starting XX/XX/XXXX. The Principal balance was set at {$310000.00}, with a Deferred Principal Balance of {$23000.00} ( derived from the one year forbearance required from my Covid hardship that Chase wrongfully failed to provide for my mortgage ). Chase was also required to report these loan changes to all credit reporting agencies but failed to do so. I sent many requests to Chase asking Chase to change my account information at Chase.com and the Chase App from the old HELOC to the new Settlement Agreement and LMA. In response, Chase froze my account so I could not pay it directly or obtain any information about the account, including monthly statements. My Chase account remains frozen/locked out today. I also filed a dispute with XXXX asking that my Chase account be updated/fixed to include/reflect the changes set forth in the LMA and Settlement Agreement XXXX I sent these agreements to XXXX two times and confirmed receipt, asking the XXXX representative to read from each agreement so I could verify XXXX was considering the correct documents. XXXX twice denied my dispute and continues not to update my Chase account with current and accurate information. For example, my Chase account continues to be reported wrongfully as a HELOC with a credit limit of {$300000.00}, resulting in a credit utilization on my report of 114 % ; Chase has also failed to report my loan payments under the LMA ( which are current through XX/XX/XXXX ) and failed to report the one-year of forbearance on payments from XX/XX/XXXX - XX/XX/XXXX. When filing my Experian disputes, I contacted Chase 's attorneys and Chase asking them to look out for the dispute and respond correctly as per the Settlement Agreement and LMA. Chase failed to do so. In fact, this failure was intentional, as I learned when speaking with a representative of Chase 's mortgage escalation department. Chase 's attorneys have now stopped responding to my calls and emails, forcing me to again seek a formal legal solution due to Chase 's material breaches. FYI, in XXXX, I was forced to file a lawsuit in federal court against Chase for beach of this same mortgage, which lawsuit was resolved in my favor. As a result of these failures my credit score is XXXX, and I am unable to refinance my home, which may cause me to lose my home in foreclosure. I am employed again full-time with significant assets, so if the Chase/XXXX fixes were made, my credit score would be XXXX and I would be able to qualify for a refinance loan. I piurcahsed a new car in XX/XX/XXXX and because of ChaseXXXX XXXX failures, I had to make a large downpayment only to obtain an interest rate more than twice market rate, and my car insurance rate was also greatly increased.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX i deposited my payroll check in the amount of {$1500.00}. I then went to my landlords bank and wrote a check against the deposited funds on my Chase account only to find out today XXXX that my check is being placed on a hold until XX/XX/15. I have no access to any of my funds, my rent check is going to bounce even though I have never had any fraudulent activity, never bounced a check. I have been transferred and passed around to different departments. I cant close my account and get my check back because of the pending deposit. I am totally screwed. I want my check back and I want to close my account.
Company Response:
State: OR
Zip: 97317
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I checked my account on night of XXXX and found both my checking and savings account to be drained. There has been no warning or notice. My account was just closed. Thinking it could have been a system error, I decided to wait until the morning of XXXX. Now I'm not able to even access my account or find out how much money was in my account. All it shows me is my credit card debt. There were money both in my checking and savings account. But both accounts are now closed. Fortunately, I saved my checking account statement. Unfortunately, I didn't save my savings account statement. For my checking account, I should be receiving {$160000.00}.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I used a Chase Visa card in XX/XX/2022 to rent a car from XXXX at the XXXX Airport. The rental car windshield suffered a stone chip on the highway that caused a crack in the windshield. XXXX charged me {$510.00} for the damage. My personal car insurance ( XXXX ) paid {$380.00} of the {$510.00} ( less a {$100.00} deductible and XXXX processing fee ). Visa is supposed to pay the remaining {$120.00} as part of their car rental benefit when using the Visa card. I have submitted extensive documentation to Eclaims, the Chase/Visa insurance processor, but they refuse to pay until I provide additional estimates of the repair costs. I have provided everything XXXX provided to me, which is the cost of the repair. While this is a small amount of money, I believe my experience may be typical for a very large number of consumers who are being abused by Eclaims/Chase and Visa. Please investigate to determine if this is a widespread and fraudulent abuse of the consumers. I have previously reported my experience to the Virginia Insurance Commissioner, who investigated and determined my complaint should be forwarded to your agency. Thank you.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I paid 8 years sss.gov payments XXXX. I do not have any returns or income past XX/XX/2002. I need a withdrawal of the funds as i am stranded and harmed overseas deliberately by the US Immigration and cybercriminals exploiting me. I do not have capital of my wages since XX/XX/2002 nor any returns from ssa.gov payments I had direct deposit to XXXX checking, so it must be XXXX that paid to ssa.gov I have XXXX cash and in XXXX, i do not have any information about XXXX, i do not have any support from my mothers or fathers friends or relatives. I depended on my mothers pension btu she is dead. I need to have the withdrawal of the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollars i need. Chase IRS.gov and company accountants are not revealing how much capital to wages and how much i should have been paid when i left XXXX XX/XX/2002.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wallet was stolen from XXXX at XXXX XXXX XXXX XXXX, Kansas XXXX MO XXXX between XXXX while I was having dinner with my XXXX XXXX XXXX son. I reported my wallet stolen the next day to XXXX, thats when I realized my wallet was gone because I went straight home after XXXX and had no more use to look for my wallet. Police report case number is XXXX. Called every merchant and credit card to close accounts and issue new card. Inclusing Chase. The perpetrators tried to use all the cards in my wallet. They successfully used my XXXX card at XXXX XXXX and I was not liable for that charge. They somehow were able to use my Chase debit card at XXXX 's for {$640.00}. They did not have the pin, it was not written on the card or on a piece of paper in the wallet. I spoke with XXXX 's and the said they needed to be contacted by the police in order to do anything. The XXXX 's location is XXXX XXXX XXXX XXXX, XXXX MO XXXX ( XXXX ) XXXX. I was contacted a few days later by XXXX, Kansas police saying they found a few of my items in a stolen car. They further investigated, found the perpetrators and have video footage of them stealing my wallet from XXXX and using the card at XXXX. I was in contact with XXXX XXXX ( XXXX ) XXXX case number XXXX for auto theft. Chase credited me back the {$640.00} on XX/XX/XXXX. Then on XX/XX/XXXX Chase reversed the charge and I am out almost {$700.00}. I faxed Chase fraud department with the police information and everything that happened. They said there is nothing they can do since there was no bad pin tries. I want my money back.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX XXXX XXXX in XXXX. As an independent XXXX, I filed my taxes every year which includes a Schedule C, which reports my profits and losses. Under the Cares Act, enacted by the Federal government in response to the COVID 19 Pandemic, Congress created various programs to help small businesses through out the country, which included the SBA EIDL. Independent contractors are among those eligible for these programs including the EIDL. As I am eligible I applied for the EIDL and was approved by the Small Business Administration, the government agency responsible for administering and approving and declining applications. I received a loan amount of {$29000.00} in XXXXXXXX XXXX 2021 to be deposited into my Chase account. According to the SBA, the type of bank account did not matter to get this money. However, Chase closed my account and sent my money to the Secret Service as if I am some criminal. The real issue is that Chase decided to reject my application as if they were responsible for administering Federal money, and did not give me a chance to open a business bank account to get the money that I am owed as an eligible applicant to EIDL. Chase also did not even send this money back to the SBA so I can have a change to get back this money. They sent it to the Secret Service that has nothing to do with SBA or the Cares Act and cast suspicions and have treated me like I did something wrong or committed a crime. I believe the actions that Chase has committed in denying a much needed loan and then treating me like a criminal must be investigated. I know of other hard working drivers who were also treated the same way by Chase, which shows a trend of discrimination against XXXX XXXX XXXX XXXX XXXX. This is why Chase must be investigated. Did they only do this for people like me? Did they treat others the same way? How many hard working people were left without any help even though they were eligible and approved by the federal government due to Chase Bank 's discriminatory actions. Chase Bank must be investigated.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have several accounts with Chase and have an external checking account linked to my Chase checking account. I verified the external checking account with Chase and have been transferring funds with no issues for months. I initialed a transfer on the Chase platform from the external account to my Chase checking account. I then received a call that the transfer was rejected. No explanation was provided. No new policy was given and I was simply hung up on. After being hung up on several times and transferred several times, all I was told was that Chase would no longer allow transfers from external accounts. That there was a policy, but that they couldn't tell me what the new policy was, when it was enacted, why I was not given notification, or anything about said policy. They have continually held my transfers for long periods of time and now will not let me even use my account.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: I took a cashier check from my Money Market for {$75000.00} account on First Bank at XXXX XXXX on XX/XX/2023 and took the cashier check to Chase Bank to open a new account on XX/XX/2023, after I finish the paper work I was told that {$65000.00} of my cashier check were put on hold until XX/XX/2023. The employee told me to call XXXX XXXX XXXX XXXX to get an early release of the hold, I spoke to several employees at Chase Bank and finally spoke to XXXX and his superviser XXXX who told me there is nothing they can do. On XX/XX/2023 I call to First Bank and spoke with XXXX, XXXX, then the superviser XXXX XXXX who told me the cashier check has been presente to First Bank by Chase Bank on XX/XX/2023, so I don't understand the reasoning for holding my cashier check.
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A