Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a account that I dont recognizes.I think is a fraud because its not my name it appears XXXX XXXX and thats not my name. the agency may mix up some one else information because is similar name.and they put it on my credit report. i please ask for an investigacion. because thats no me. according of the FCRA law i have right to ask for an investigacion. Please delete this account is not mine and its affection my credit report.
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Jpmcb Card checking my report and noticed this account I haven't applied for.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX I opened an account with Chase I deposited a work check on the XXXX via mobile deposit, after the funds were not made available by the XXXX I called to see when the funds would be available and Chase said they could not verify the check and told us they were closing my account with no reason why, and they said that they needed me and the issuer of the check to come in to the bank to verify the deposited check. We did this and after two hours of my employer proving his identity and that he wrote the check, Chase was satisfied and said they would then be overnighting me a check for the amount of the deposited check. A day or so later They fully closed my checking account and sent me a check for the {$100.00} I already had in there, not for the deposited check of {$2500.00}. After two weeks of waiting for this overnighted check I spoke with the banker at the bank we went to and he said they are not sending me a check and to have the issuer call his bank and do a fraud claim in order for me to get the money back from Chase! There was nothing fraudulent about this check, we have verified everything the bank requested. They have held this money for over a month and never gave me a reason why they closed my account or why any of this is happening! I was using that money to go to Texas and start a new job, which I have now lost due to Chases failure to make my funds available to me. I am now about to lose my house and have had to file for federal assistance because of this. I have recordings from chase employees and screenshots of my account. If I cant get this handled I will be contacting a lawyer.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 someone tried to wire money out of my account, and it was declined through chase. after that my account was locked. i went in person to talk to a real person she let me know it was true someone was trying to wire money out. So, moving to the next day XX/XX/23 i get a call around XXXX from chases customer service number and it's a chase employee from the fraud department wanting to help add security to my account. i ask for some information on myself, he gave me my SS # and my address and my account information such as how much money i had in my account and my last transactions. So, I believed him, because who has that info unless you work for chase. he processes to unlock my chase online bank account for me, and he has me setting up security steps, next thing i know all my money is being transferred to an unknow account. Within 15min of the transfer, I went to a chase bank to stop the transfer. chase told me they could not stop it. they are not wanting to help me whatsoever based on their polices with wire transfers. I have contacted my local police department as well as i am in requesting my phone records because it was chase 's customer service number that called me. Im concerned how someone was able unlocked my account and scam me.
Company Response:
State: WA
Zip: 99336
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.I have never had an account with this company JPMCB CARD , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are JPMCB CARD the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023. Someone tried to open up credit card with my name while using the wrong address and it also got approved but was denied.
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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: I disputed a charge with Chase for a hotel room that was slum at the XXXX XXXX XXXX XX/XX/2022 for a family reunion. The pictures on the internet did not match the room they gave us for 4 people. Carpet filthy, broken lights, filthy bathroom, room too small to accommodate 4 people. I informed Chase I had pictures so they could compare our room to what posted on the internet, but they said it wasn't necessary. I spent a whole day looking for another hotel during peak season, not to mention, they ruined our family reunion. I called Chase 1 week after this event happened and the agent did say they would support me with the dispute and that there would not be an issue doing a chargeback. This was a recorded call. Several weeks later, no chargeback. When I called, Chase said there wasn't a claim and that I was 7 days past reporting. I asked them to find the recorded message for when I initially called and they would not come up with that. I escalated to my account XXXX, who managed to reopen the case. Chase again denied it and would only offer me {$100.00} out of the {$340.00} disputed amount. I accepted the {$100.00} on the premise that this is not a settlement for the dispute. Chase was horrible to deal with REGARDLESS of the several years I have been a customer with them with no issues. Chase has no ethics and horrible customer service!!
Company Response:
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was victimized by a wire fraud transfer scheme. I received a text from the Fraud dept at chase ( I. now realize it was not really chase ) about an attempted fraudulent transfer from my chase bank account. I then received a call from a chase representative who explained my account had been compromised and I would need to close my account and transfer money to my new account. The representative claimed to be helping me with this. I believed I was talking to chase. In the middle of this call, I was disconnected. I called back to the number in the text message I received and tried to do a wire recall. I worked on that into the evening on XX/XX/26, but then realized I had been locked out of my account. It was not until the next day while talking about it to a friend who had listened to a podcast about this scam that I realized that I had been further scammed when I thought I was reporting the fraud. I then called real chase and made an official claim for unauthorized wire transfer. The fraudster cleaned out my account and sent all the money to an individual I do not know and did not authorize. On XXXX, I received a denial of my claim from Chase Bank. I spoke to a representative today, who told me I would be unable to appeal my claim. I know that this is an unauthorized wire transfer and under the Electronic Funds Transfer Act, Regulation E the Bank is not entitled to more than {$50.00} in liability against me, even if I unknowingly participated in the phishing scheme, as long as I report the fraud timely which I did. I want my money back. I did not authorize its transfer and Chase is wrong for denying my claim. I have also made an FBI complaint related to the fraud.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act JPMCB Card Services has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. In 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This creditor falsely reported late payments after taking payment in XXXX, XXXX, and XXXX of 2021.
Company Response:
State: NM
Zip: 87114
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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: On XX/XX/XXXX I paid {$990.00}. on my Chase Visa card to XXXX XXXX XXXX for a tour to take place XX/XX/XXXX. XXXX XXXX XXXX sent email saying theyre going out of business. I immediately filed a claim with Chase attempting to get my money back. Their response was too bad but no because too much time elapsed since purchase. I appealed the decision to the Executive office last month. I received a voice mail response again saying no sorry cant help you. Meanwhile in XX/XX/XXXX I received a XXXX report saying the company is insolvent. There is a significant on-line presence of other travelers also pursuing refunds from their credit card companies. Some of these folks are receiving a credit from Chase and I want to be one of them! Please help me get my {$990.00}. back from Chase Bank. Thank you
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A