Date Received: 2023-02-19
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: Essentially, my payment history with all my creditors was 100 % up until the start of the Covid-19 Pandemic. There was a global disaster that prevented me from making payments, but they have a random payment established for me in XXXX, 2020 that is not made by me. I believe the payment history can be proven to be 100 % prior to covid, and as such, a goodwill deletion of the account is only right. I've contacted the company to no avail. If covid-19 isn't good enough, id like to request the company provide document proving that the payment history theyre reporting is accurate, considering i do not believe i made 2 of the payments on there.
Company Response:
State: VA
Zip: 24141
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a call from chase customer support with someone pretending to be a chase employee. They tricked me into sending at total of {$15000.00} via wire transfer to three different people. I told the bank what exactly happened and I called everyday to check the status of my claim. I also filed a police report and told my bank to wait until have the police report to help them with my claim. I will be pressing charges on the three individuals who scammed me. Chase told me on XX/XX/XXXX when I called the claims department that they denied my claim and I cant get my money back, however I did not receive a paper or any supporting documentation as to why my claim was denied or that I was formally denied and made an appointment for XX/XX/XXXX to visit a branch so they can give me documentation as to why my claim was denied. I am still currently waiting for the police report to be reviewed. All the attachments I uploaded are the people who scammed me.
Company Response:
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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, # XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited money into the ATM. XXXX deposits and they only counted XXXX out of the XXXX deposits made. Filed a claim and got denied and yet they still claim that I did not deposit
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XX/XX/XXXX I tried closing my account and I learned that there is a hold on my account for {$2200.00}. After multiple calls with Chase and visiting their branch, no one could tell me the reason for the hold, except that the hold was placed in XX/XX/XXXX, about 23 years ago. This is insane that Chase has a hold on an account for so long and has not bother to notify me or rectify the issue. So I raised a customer complaint and I was told by Customer complaints that they are not here to help me resolve the issue but to coordinate between departments, something that I have already done. When I ask my case to stay open because the complaint is not resolved, they say that the case will be closed as there is nothing that they can do further. After a month bouncing back and forth between departments at Chase bank, which I thought had a great reputation, I lost confidence in the institution. I believe Chase has experienced a system error, and no one has caught it or resolve it, and this is the reason that I am being bounced back and forth to different departments. This does not give customers confidence in Chase systems. Luckily for me the money is on hold, but it could be worse that the money totally disappeared from the account. Advice to others, if you have a chase account, monitor closely. If you dont, go elsewhere. Look at all the publicity that they are getting because of their latest XXXX XXXX XXXX employees are not proactive and doing their jobs. An example of that is when Customer complaints told me to reach out to the branch instead of them following up with the branch with next steps to try to resolve the problem.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've contacted Chase multiple times with zero resolution. They have tried to allege that they charged me interest for " not paying my balance in full '' when 99 % + of my balance was a 0 % interest balance transfer. I hardly ever made any purchases using this card and when I did, I paid them in full. Chase still charged me interest. Furthermore, on XXXX XXXX XXXX I updated my auto-pay to my new bank details, but Chase still incorrectly tried to take payment from my old ( closed ) bank account. I contacted them on XX/XX/XXXX and spoke to XXXX. He said they had a system glitch and updated the system with the notes. The payment issue was resolved but it appears they then used THAT issue to continue charging me more fraudulent interest.
Company Response:
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am writing due to an incredibly frustrating experience attempting to redeem my Chase Ultimate Rewards points via a points transfer to the United Mileage Plus Program. Due to what appears to be a system error on the side of the bank, I have been unable to transfer points from my Chase Ultimate Rewards Account to my United account since at least Tuesday, XX/XX/XXXX. I have called and attempted to resolve this issue with Chase customer service representatives on five separate occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the first two instances I was told that the system would resolve itself within 48 hours. In the second, I was told the system would resolve itself in maximum one week. In the fourth instance, I was told that the customer service representative would escalate the case to " the marketing team '' who could likely resolve the system error within 5-7 business days. After waiting 7 days and still being unable to transfer points, I called for a fifth time and was told by a supervisor that they would again escalate this case and that I should again expect a resolution timeline of approximately 3-5 business days. To date, I still do not have the ability to transfer points despite this being a well advertised service and main draw of Chase Bank 's credit card rewards program. Thanks to the bank 's system error and subsequent inability to either address the underlying problem or simply help me to facilitate a simple, one-time transfer I have suffered the following loss : - Loss of approximately 2 hours of time spent on hold, repeatedly explaining the same issue to multiple bank representatives- Loss of value in the points accrued in Chase 's program as the flight I had originally desired to purchase with Ultimate Rewards Points is now significantly more expensive
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Report act, JPMCB BUSINESS BANKING, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: IN
Zip: 46142
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing to complain about your decision to deny my credit card application for Chase XXXX XXXX XXXX in XX/XX/2022. I feel that your decision is unjust and violates my consumer rights. As per the Fair Credit Reporting Act ( FCRA ), I have the right to obtain a copy of my credit report and the reasons for any negative action taken against me based on that report. However, I did not receive any such information from you, and therefore, I am unable to fully comprehend the reasons behind your denial. Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits credit discrimination on the basis of various factors such as race, color, religion, national origin, sex, marital status, age, or because a person receives public assistance. I believe that my application was evaluated unfairly and that my rights under the ECOA may have been violated. I request that you reconsider my application and provide me with a detailed explanation of the reasons for your initial decision. I also urge you to ensure that your credit evaluation process is fair and impartial and that your decisions comply with all relevant consumer protection laws. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 my online banking information was compromised, and money was moved via XXXX in the amount of {$750.00} to an unknown number. When this occurred, I was not in the states at the time. I was in XXXX and have the proof that I was there. As soon as I realized the XXXX payment was made from my account, I contacted Chase right away. Chase has denied the claim saying that the XXXX transaction looks similar to the ones I've made in the past. The number added by the hackers was not a number I have ever XXXX before. If Chase took the time to look at the IP address and pinpoint the location of where the hacker accessed my account, it would confirm it was not me as I was out of the country when it occurred. The transaction took place around XXXX and it was around XXXX XXXX in XXXX. It also shows there was another device added to my account when the transaction occurred.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A