Date Received: 2023-02-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am contacting JPMCB Auto Finance and XXXX XXXX : Please remove the hard inquiry by JPMCB Auto Finance and XXXX XXXX from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Company Response:
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened an account with Chase Bank in XX/XX/XXXX. Used their mobile app to deposit 3 checks on XX/XX/XXXX that were written to me, in the amounts of {$500.00}, {$600.00}, and {$320.00}. After waiting 3 days for the checks to be processed, Chase closed my account with the {$1400.00}, and refuses to send a check for the money due to " suspected fraud '' from their systems. When trying to resolve and clear the " suspected fraud '', there is no actual way to resolve the issue.
Company Response:
State: KY
Zip: 42420
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: A Chase Amazon credit card was opened in XXXX of XXXX with a credit limit of {$4900.00} which remained at or above balance since XX/XX/XXXX. For 15 months, I paid the minimum due within 30 days of due date, and remained at the high balance. On XX/XX/XXXX, I paid off the entire balance of the card, and Chase Amazon contacted me XX/XX/XXXX to let me know they have decreased my limit to {$500.00}. The letter states this is due to a periodic review and the following : XXXX. Balances on accounts are too high compared to credit limits XXXX. Number of accounts currently in use XXXX. You have one or more recent past due payments on your CHASE accounts However, the timing is very suspicious and these periodic reviews would have shown that the above listed reasons have been the situation for the majority of my time with the account. Chase did not make any changes to my limit when my balance was at or past the limit, and when I was paying the highest APR and interest rate every month. This now removes {$4300.00} from my overall credit limit, and keeps me at a high utilization rate. This types of behavior are discriminatory and practices that are intended to keep individuals in debt. I file a complaint against Chase and I have contacted them to file an investigation, which has led to them stating the same exact thing as the letter. I do not know if taking this time to write and express my experience will go anywhere, but I here is to hoping.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Tried to resolve this with Chase Bank directly, but it did not work. I opened my credit card statement to discover a new " TRANSACTION FEE '' on my card. When I clicked on it to view more details, there was nothing. For all other transactions, it tells you all the relevant information : IDs associated with it, the vendor, etc. With this, there was XXXX. It's almost like they were hiding it. When I called them, they immediately told me it was because they recently decided to start charging for using XXXX with my card. They did not warn me of this, help me to understand this ahead of time, and if they did in any way, it was not sufficient communication. If it was, I would have stopped immediately. The fact that the online interface hides all details is proof they don't want you to know. They're super eager for you to know about other vendors that may be fraudulent, but not them, not themselves. They play by different rules where they hide and give you no recourse. Mind you, this is a NEW fee on existing behavior. The burden is on them. In total they have charged me {$120.00} in fees in the last year or so. I demand they do the right thing and refund me.
Company Response:
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TO THE CONSUMER FINANCIAL PROTECTION BUREAU I am not treated fairly by Chase Bank. I am a victim of bank fraud. I own a Checking account. I submitted an application to a loan company who looked legal name XXXX XXXX XXXX. There are numerous offices in the United States. The loan was approved for {$7000.00}. The loan company asked for personal information my checking account number and routing number. The crooks name XXXX XXXX and XXXX XXXX said on the telephone in order for the loan company to deposit funds I must submit the bank information. I never requested a loan online. I do not know what the procedures are to receive a loan. XXXX said before he makes a big bank deposit he must be certain that I am XXXX XXXX and the Checking account is legal. He said he was depositing a small amount of money {$1000.00} - {$2000.00}. I would then go to the XXXX and purchase XXXX XXXX gift cards and return the money he submitted into my Checking account. I purchased the XXXX XXXX gift cards. He said to purchase a {$500.00} and a {$450.00} XXXX XXXX gift cards. He asked for the numbers on the back of the cards. One hour later he said he was making the {$7000.00} loan deposit. He then said there was a problem with the XXXX XXXX cards to purchase two more XXXX XXXX cards. {$480.00} and {$490.00} XXXX XXXX cards. I purchased the cards. The total amounts for the gift cards are $ XXXX XXXX XXXX said there are no refunds on XXXX XXXX gift cards. When I returned home from the XXXX I checked my Checking account because the funds were available to purchase the XXXX XXXX gift cards. I had {$13.00} in my Checking account so I thought XXXX XXXX the XXXX deposited funds into my Checking account to purchase the Game Stop cards. I receive a Social Security check each month. He asked me if I owned a car. He also said don't behave too needy when I go to the XXXX to purchase the gift cards. I thought his comments were strange. I looked at the Checking account and I was shocked when I saw adjustment/reversals in my Checking account on XX/XX/XXXX of payments I sent to the Landlord and to the Stores in XX/XX/XXXX. The amounts were credited to my Checking account. A total of {$3000.00} adjustment/reversals by Chase bank without my authorization and consent. The crooked fraudulent loan company called the Claims Department and reversed numerous payments I sent to merchants on XX/XX/XXXX. The crooked loan company never deposited funds in my Checking account. It was wrong for Chase bank to make adjustment/reversals into my Checking account. The crooked loan company called the Claims department. How can payments be reversed by so many merchants in one day. That was a red flag. The crooks reversed payments I sent to the Landlord for {$2000.00}, a XXXX XXXX XXXX XXXX for {$660.00} and {$270.00} for a XXXX tree purchase at XXXX XXXX XXXX. I asked Chase Bank to return the money to the merchants because the amounts I paid in XX/XX/XXXX and XX/XX/XXXX was taken from the merchants. Chase Bank refuses to return the {$3000.00} XXXX to the merchants. Chase Bank is also not returning the Checking balance that is owed to me. I am going to attach my Checking account information. On XX/XX/XXXX Chase Bank was sneaky and did adjustment/reversals for a total of {$3000.00} that I paid to the merchants in XX/XX/XXXX and XXXX XXXX Bank should have XXXX XXXX measures on who is filing claims to reverse payments sent to merchants one - two months ago. There should be voice recognition to check who is calling to file false claims. The loan company who filed false claims was crooked. I REPORTED XXXX XXXX XXXX XXXX XXXX TO THE FBI. I AM GOING TO ATTACHED THE FBI REPORT AND A COPY OF MY CHECKING ACCOUNT. IT IS A FEDERAL CRIME TO DEFRAUD A BANK. The Chase Bank adjustment reversal of {$3000.00} should have a deduction of {$1900.00} for the XXXX XXXX gift cards of {$1900.00}. The crooks requested the XXXX XXXX gift cards. I went to the XXXX to get a refund. The XXXX said there is no refund on Gift Cards. The {$1900.00} is for me to pay the rent. I pay {$2000.00} per month. The XXXX and Chase Bank is not refunding my money. I am late paying the rent because of Bank XXXX. I am going to be evicted. {$1900.00} for the XXXX XXXX should be deducted from {$3000.00}. I should receive the {$1700.00} balance. I should receive a {$590.00} Social Security amount that was sent to my Checking account as a direct deposit on XX/XX/XXXX. Chase Bank wants to keep my money. I am looking for work. I am retired on Social Security. It is not fair what the bank is doing to me. I am hard of XXXX and I care for a dog who is almost XXXX. Chase Bank makes thousands of dollars in profits and wants to keep my money. On XX/XX/XXXX a company deposited a check for {$110.00}. I do not know the company who deposited the funds into my Checking account. I asked Chase Bank to return {$110.00} check to the company who deposited the check on XX/XX/XXXX. On XX/XX/XXXX the bank placed a debit XXXX check charge for {$690.00} and another debit XXXX check charge for {$930.00}. Chase Bank will not explain what is a debit XXXX check charge for the specified amounts. The only amount I see that Chase Bank returned to the Merchant is for {$270.00} at XXXX XXXX XXXX when I purchased the XXXX tree in XX/XX/XXXX. My Checking account has a negative balance of {$270.00}. Chase Bank made a mistake. It is not the right amount. It should be a {$1700.00} check sent directly to my condominium. Bank XXXX at the XXXX Department happened in XXXX day, XX/XX/XXXX. I must pay the XXXX. I can not be evicted. I have no place to go. I live in my condo for almost two years. I am going on an interview in XXXX to work for the XXXX. There is another company who is looking for remote work. I wish to continue living in my studio condo. I should receive a balance check of {$1700.00} sent to my home. Chase Bank and the crooked criminals should not get away with Bank Fraud. I am attaching the required documents for you to review. I hope the CFPB and the FBI resolve the Chase Bank XXXX account issue. Chase Bank wants to keep my money. I would like to know the results of the investigation. Thank You. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inaccurate information being reported on my report- see attached
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Beginning around XX/XX/XXXX, I removed an authorized user from my credit card ( Chase won't give me the precise date ). I recovered the card from the user, then charges were being made without my approval or knowledge. I then changed my card number due to fraud in late XXXX or early XXXX ( Chase won't give me the precise dates ). Charges continued to come in, so I called Chase again ( Chase won't give me the precise date ) to see why. Even though I recovered the card & changed the card number, Chase 's policy isn't to also remove the card from all mobile wallets ( XXXX XXXX in this case ). I filed two fraud reports with Chase, and their fraud department only does a cursory review of my case and then denies it without me ever being contacted directly by fraud investigators. They call once and then close against me. Both times I was on calls for work and even relayed alternate times to contact me outside of work hours. I called back both times and asked to speak to the investigator and was again not connected to either one. Please help me escalate this with Chase. Part of reporting fraud means removing the card from mobile wallets as well and they need to change their process. I should not be liable for these charges due to their miss.
Company Response:
State: MO
Zip: 645XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is a further issue with an already existing complaint. That number is XXXX. I just received another letter that restates the already obvious position of Chase Bank. They have contradicted previous statements, and apparently did no due diligence. Every time I have called, the representative said that I had met all of the criteria, and that the 5 % should and would be automatic. They have lied to me and repeatedly used the same loophole, which I have caught, and have been compliant with since XXXX, 2019. Their issue was that I did not pay for my Amazon membership with the Chase credit card. That is incorrect, and easily verifiable. I did pay for the Amazon membership with the Chase credit card since XXXX of 2019. There was no lapse in my membership and i have never missed a payment to either organization. I will include their most recent denial letter, which I received in the mail yesterday.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited a check for {$71000.00} which was an insurance settlement from a workman 's comp injury. The check has long cleared the bank the funds are in the account the bank is holding the money now but they're not allowing me to use my funds. They've created an extra process that the check writer is not asking and that is what has created ahold up of my money. It has been 14 days now And the check has cleared for a week already the bank is holding my money the check is cleared and they're just still denying releasing my funds I've spoken to management on 3 days in a row and several employees I have some names documented along with times. The problem is with Chase Bank.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A