Date Received: 2023-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: HELLO, MY NAME IS XXXX XXXX. CHASE Bank THE FOLLOWING IS BEING REPORTED TO XXXX XXXX : CHECKING ACCOUNT FRAUD CLOSED FOR CAUSE PLEASE help direct me or help me get removed from XXXX XXXX XXXX. Please The incident date on the report says XXXX but that is also incorrect. This has happened in XXXX. I was a victim of a scam which caused me to be reported to XXXX XXXX XXXX due to something I had no knowledge of. I was offered a position as a XXXX through XXXX. I was hired and, he wanted me to start immediately. ( I had already did prescreening before interview ) I was assigned to an XXXX XXXX named XXXX, I was working with her over this period of time. Then payday comes, I was paid in form of check because he stated they don't offer direct deposit. I deposited the CHECKS into my accounts XXXX XXXXXXXX, XXXX, and chase, ( I had three accounts at the same time, I used all accounts. with no knowledge that the checks was fraudulent. This was BEFORE I started working for XXXX XXXXXXXX, which I had no knowledge of what counterfeits check look like. Couple days passed by, I already been trying to contact him because I was needed to drop off my time card but the office was empty which was unusual, after days of making the deposits into my accounts, the check came back fraud and the bank ended the banking relationship ON ALL MY ACCOUNTS. Now I NEVER tried to access any of the funds, never tried to get any money out and once I heard from y'all, I kept trying to contact him which his phone started to give me the disconnect notice, then that's when everything started to come together. I kept wondering why would he disappear and how could a business just vanish after days? Right BEFORE each check was kicked back. So I called and explain everything that went on with each bank. they told me I have the option to file a police report because I technically didn't get paid for my services as well, so I called and made a police report, not much they could do at the time with little information. So months and months went by, I got a call from my local sheriffs office that an arrest was made for him, after he was charged with embezzlement and counterfeiting. They had been put a warrant out for his arrest prior to the police report. I have attached everything I could possibly use to show you guys. I have paid off my balances on ALL 3 accounts. So what I'm really asking here is can we re investigate into this and hopefully turn around the decision, please help me because this has effected me terribly and it hurts to put in this situation when I had no knowledge of what this guy was up to. Apparently he had been stealing the XXXX people checks and laminating them and changing the name to who it will be payable too. I have attached the arrest form, the official police report, the statement I made, and proof from the sheriffs office that he was arrested and for what. Please help me get this negative information removed from XXXX XXXX XXXX. I will be very careful next time what to put into my account! This is devastating. , I never tried to even access any of the funds. I was just hoping with this information I have now, it can help. I know you guys probably get a lot of this all the time from people saying they didn't know but seriously, I had no idea. Please look into this carefully, and please give me the benefit of the doubt, please please help. I'm really begging you. Whoever is reading this message, god bless you. I HAVE ALSO PAID THIS ACCOUNT IN FULL. PLEASE RE CONSIDER. THANKS YOU! GOD BLESS YOU!
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX spproximately 30 days ago, sometime around the beginning of XX/XX/2023, I discovered that my Chase credit card balance reflected {$3000.00} in unauthorized charges. In addition, several months had passed since I received a paper statement in the mail. I contacted Chase via phone to report these innaccuracies and inform them of how concerned I was that someone had apparently been able to gain access my card. I wasn't able to get any resolution with them at the time I made the report and I paid the balance in order to avoid my credit being affected and so that I could continue to use my card. I deposited a total of {$3700.00} for this reason and as soon as I did this, Chase immediately closed my account without notifying me or attempting to follow up with resolving my complaint and crediting me the {$3000.00}. They also took the {$700.00} I had intended to use to purchase something I needed then completely locked me out of my account. I have been unable to access any of my statements for the timeframe that these charges were made so I can't provide you with them at this time.
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of your report 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent to XXXX XXXX XXXX who sent a fraud account with my name on it to a collection company. Subject : Fraud account- attn : XXXX XXXX XXXX or current Compliance Officer Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX EST To : XXXX Subject : Fraud account- attn : XXXX XXXX XXXX XXXX XXXX Compliance Officer To : XXXX XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Subject : Fraud account dispute Summary : recently you turned over an account to XXXX XXXX XXXX your company has for a overdue payment of balance of {$780.00} from a Loan by Phone payday loan from XXXX for the amount of {$600.00}. This loan was obtained and money sent to an account at JP Morgan with the account number ending in XXXX. Details supplied by your company : This account was placed with XXXX for collection by the current creditor, XXXX XXXX, XXXX, on XX/XX/XXXX, with a balance of {$780.00}. This balance is related to a payday loan originally obtained with XXXX XXXX XXXX d/b/a XXXX XXXX XXXX, on XXXX XXXX XXXX According to the details provided by the creditor, the proceeds to this account ( {$600.00} ) were deposited into a JP Morgan Chase Bank account ending in XXXX. Dispute with your company : This is not my debt. I never applied for any loan by phone or any pay day loan. I spoke with JP Morgan fraud hotline representatives on XXXX gave them my name and Social Security Number ( SSN ). They scanned their entire database of accounts both open and closed using my SSN and found NO Accounts with my SSN. Conclusion : I verified that I never did business ever with JP Morgan bank. The account ending with XXXX is Not my account and you too can verify by doing the same thing. Please mark this account at your company as Fraud and please stop passing this account to collection companies since this contains incorrect information as a result of Identity Theft and does not pertain to me. I never received Any email telling me that your company had turned over this account to collections or that this fraudulent debt ever existed. I just this week found out via a credit report red flag on my credit report. Once again- this debt is Not mine and the info contained in your report does Not pertain to Me. It must be the result of fraud and/or Identity theft. I was a victim of three separate data breaches in the past 10 years- XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and have credit monitoring turned on for most of the credit rating companies. XXXX XXXX XXXX How to report fraud | Privacy and Security | Chase.com chase.com XXXX Actions Taken : I filed the dispute below with XXXX XXXX XXXX, Federal Trade Commission, police report with XXXX XXXX police on XXXX the main headquarters located at XXXX XXXX XXXX. XXXX, XXXX, Ohio XXXX. The XXXX XXXX XXXX may be contacted at XXXX. The main headquarters may be contacted at XXXX. a formal report of fraud and identity theft at IdentityTheft.gov, a complaint with the XXXX XXXX XXXX a dispute with XXXX and XXXX. The details and history of this report from the Federal Trade Commission ( FTC ) follows- i have in turn supplied additional feedback on this complaint of fraud and identity theft. Your cooperation in this matter is very much appreciated! XXXX XXXX. XXXX XXXX XXXX
Company Response:
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A fake company requested money from me. They are fraud and I want my money back from these scammers
Company Response:
State: MI
Zip: 48060
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I bought a plane tickets using XXXX XXXX XXXX. I got sick and cancelled the flight. I had an insurance provided by a Chase Sapphire credit card. I went to the doctor and have a doctor notes confirming my sickness and clearly stating what conditions I had. I submitted an insurance claim. Until now I did not get my points back and it is already an 8 month insurance company keep asking me for new things which I keep sending them, however no meter what I had provided it is not enough for them. I am very disappointed with how Chase sapphire handling this situation and I feel that insurance on the card is simply a ripoff and a fraud.
Company Response:
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This is not report of the resolved matter as to XXXX XXXX XXXX XXXX CLOSED LAWYERS POOLED IOLTA TRUST account at Chase Bank XX/XX/XXXX ( {$93000.00} ) which is now reopened. It is attempt to ensure that such IOLTA account is not unnecessarily made subject to OIG, FINCEN, CFPB, HUD ( SAR, etc ), after I correctly reported in Washington Court of Appeals No 83722-2-I and Co. 20-2-00743-37 Superior Court of Washington at Whatcom county where further insurer payment has been announced as being delivered to support sham tort claims connected to a condemnation proceeding -- in which title insurer objections and HAMP refinance application was announced by interlocutory condemnors ( No. 09-2-01773-1 Superior Court Whatcom Co. WA ; appeal 68202-4-I remand for " confusion in the record '' caused by condemnors ' counsel ) who conceal the fact of the interlocutory condemnors ' RCW 8.24.030 condemnation pleadings -- that I personally refused money as an interlocutory condemnee for being 18 U.S.C. 1956 ( c ) ( 4 ) ( A ) ( iii ) " disguise '' " concealment '' proceeds from interstate financial institution fraud connected to interstate title insurer objections, 31 U.S.C. 3729 False Claims Act mortgage concealment fraud affecting federal reserve bank functions ( e.g. U.S. v. Wells Fargo ; Kraus, Bishop v. Wells Fargo ; see also CFPB v. Wells Fargo Baltimore Maryland U.S. Dist. Ct Consent Order ) 18 U.S.C. 1512 tampering, 1515 ( 3 ) ( A ) - ( D ) concealment misconduct during 18 U.S.C. 1951 ( 1 ) ( a ) Hobbs Act " tort '' claim extortion ( e.g. U.S. v. Koziol ) possible mortgage fraud, while the " tort '' claims have no legitimacy under state law ( Pelley v. King County ) but only as extortion. This is written to ensure that I am immediately available to explain the circumstances which caused Chase Bank XXXX XXXX closure of the Cottingham Law Office PS IOLTA trust account holding pooled trust assets of clients which are in no way related to the
Company Response:
State: WA
Zip: 98229
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: {$10000.00} from unemployment benefits XXXX stolen. Was held against my will in a store. XXXX XXXX XXXX XXXX XXXX in XXXX NY. The cashiers stole my unemployment benefits. My husband helped them the ordeers of protections didn't work he and the cashiers that work thier have a culture in the store against me. Police won't help!!!
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I processed a credit card payment for my business through a chase owned company called wepay. This was done on XX/XX/2023. The funds are still not in my account and the customer has been charged by their credit card company. There is no way to contact the department responsible for the review of the charge and all the customer service agents stated each time ; " Its under review ''. The review period per the terms and conditions is 1-3 business days. That time has expired. I have called numerous times and submitted numerous tickets to their system all of which have gone unanswered. When I call chase bank they direct me to the 3rd party company ( which they own ) and I get no where. I just want my money to feed my family and pay my bills and I shouldn't be out of pocket {$15000.00} because a company is not doing the right thing.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Someone else tried to open a Chase Credit card in my name. I first received an e-mail saying that I had been approved for a Chase card, then a second email saying that I had enrolled in paperless billing, and then a third e-mail saying my username and password had been changed. I did not open account, and Chase allowed someone to use my personal information fraudulently to open an account.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A