Date Received: 2023-02-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Chase addressed me as my personal maiden name in regards to a business that does not have me listed under my personal maiden name to pull my personal credit for a business credit card. Therefore, they illegally pulled up personal information from their internal system.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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 two small charges in XX/XX/XXXX. Chase cardmember services, resolved the disputes and sent me a letter stating they have resolve the dispute and credited my account. They did not credit my account. I kept calling them and they said it would show up later. It never did, I called them today XX/XX/XXXX and they said its too late to dispute now they already sent me two letters saying that they have credited my account when they in fact did not they are giving me a courtesy {$15.00} for being on the phone for two hours with them. That is not acceptable they told me the merchant credited me at other times for different amounts. Those were for different returns and not related to these. They sent me clear letters, saying they credited my account when they in fact, did not say then lied to me, and said it would show up when it never did.
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase advertises 0 % liability for fraudulent transactions made on credit cards yet when I reported fraud charges they are holding me liable for the purchases
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I used a XXXX interest balance transfer on my Chase card. They applied my entire payment to the 0 % balance and as a result I incurred interest fees. I have done balance transfers on other cards and they apply payments to the highest interest rate balances first.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023, I received a notification that an inquiry was placed on my XXXX credit report for a JPMCB- Card services account. I reviewed the information on XXXX and determined that I never applied for this type of account or any credit within the last 90 days. I immediately disputed the inquiry on XXXX 's online portal, assuming that it was an error and the report came back that it was accurate. I then redisputed the inquiry again and advised that it was a fraudulent inquiry and XXXX again returned stating that it was accurate. On XX/XX/2023, I contacted the number on my credit report for JPMCB- Card services to inquire about the account but the customer service representative could not find my information in the system. She advised me to contact XXXX. Next, I contacted XXXX 's dispute center by telephone and spoke to a woman who advised me to take the next step to dispute the inquiry as fraud and to send in information regarding the fraud. She also advised me to contact the CFPB which I am doing now.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Chase has charged me late fees and closed one of my accounts. I always thought that the charges were excessive and I never thought they were reasonable charges.
Company Response:
State: AZ
Zip: 85203
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX - Noticed a pending fraudulent transaction while reviewing my account disputed the transaction with Chase for {$2600.00} and onward until the new card was issued. The claim was pending and eventually was denied. Chase reported to me that the claim was denied due to them not being able to recover the funds and also prove the fraudulency. I advised them that I did everything on my end, starting with notifying them on the XXXX after the {$300.00} charge from XXXX smile and giving times and any information I could to help the case. Chase violates their own terms of service, which is their : XXXX XXXX XXXX You wont be held responsible for unauthorized charges made with your card or account information. As well as the Electronic Fund Transfer Act ( EFTA ). If the consumer reports the loss or theft after someone used it, his or her maximum liability depends on when he or she reports it. If the report is within two days of learning of the loss or theft, the consumers is not liable. I have done everything on my part and notified them in a timely manner however they are refusing my claim and asking for evidence that no account holder could reasonably have. They have stated that there are inconsistencies in my claim stating that I was aware on the XXXX which is inaccurate and also that only the claim for {$2600.00} was put through this is also inaccurate as I notified them all transactions after the XXXX smile were fradulent. Here is the call history I have, I have spoken to more supervisors than these and they all consistently are saying the same thing and when I continue to fight my case they hang up on me. XX/XX/XXXX - Spoke to XXXX XXXX XXXX Spoke to a gentleman with Chase XXXX Spoke to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I made a claim to Chase Bank that a check written through there bill pay service has not been received by my vendor. Chase provided proof that the check was deposited but it appears the endorsement was to an individual and not the company that I paid. Originally Chase shared that the problem was on the vendor and that there was nothing they could do. The vendor went to the authorities and the financial crimes officer shared Chase had to help. Chase finally helped after 2 months of arguing over a small error on the form. We are now waiting 2 1/2 additional months for help on this matter. We have been waiting a total 4 months to get this fixed. I don't think this should be how things are when a chase product like Bill Pay is being used.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only XXXX XXXX XXXX. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. - XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. -XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. -JPMCB Card for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. I did not open these accounts.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I have applied for a conventional mortgage with JPMorgan Chase Bank, a first mortgage for a house being built in XXXX XXXX, Florida. The amount of the mortgage loan sought is {$530000.00} ; the down-payment will be about 50 % of the value of the house. My wife and I have paid off the mortgages on XXXX houses we currently own outright on XXXX XXXX and plan to sell those homes after closing and moving to Florida. My wife and I have combined financial assets worth more than {$3.00} XXXX and equity in the XXXX homes we own of more than {$1.00} XXXX. We therefore have more than {$5.00} XXXX in household net worth and very little debt ( less than 2 % of financial assets. ) My " middle '' credit score of the XXXX credit agencies is XXXX with the lowest XXXX XXXX being XXXX. My wife 's " middle '' XXXX XXXX is XXXX, initially Chase said that my wife 's credit score was not an issue because of the large down-payment. We literally can payoff the requested mortgage loan several times over based upon our present financial assets primarily consisting of stock in blue-chip companies that is entirely liquid and fully available to us in our personal accounts ( as opposed to any restricted stock, etc. ) We paid off a Chase mortgage on XXXX of our homes in XX/XX/XXXX. All payments were made on time and all taxes on both property have always been paid on time. All required insurance has always been maintained. I have been self-employed for 37 years as an attorney and have been an attorney for nearly 40 years. On my mortgage application, it appears that Chase understated my income and, in the section for providing my financial assets, which are greater than {$2.00} XXXX ( not including my wife 's financial assets or the homes we jointly own ), Chase deliberately left entirely blank listing my financial assets, notwithstanding that a statement from XXXX XXXX, dated XX/XX/XXXX, that was provided to Chase on XX/XX/XXXX, for preparing the mortgage application sent to my wife and me today. Chase made it clear, even before receiving our tax returns and financial statements showing financial assets of {$3.00} XXXX that they were unwilling to approve a mortgage for us for ANY loan amount by asking for conditions that Chase knew we could not possibly meet in the time frame that we anticipate closing, even if we were so inclined to seek to comply. It is our understanding that the mortgage application sent to me for signature on XX/XX/XXXX ( my wife received a similar mortgage application to sign off on electronically ), which deliberately shows me having XXXX financial assets, has been sought by Chase to " justify '' its decision to deny my wife and me a mortgage in any loan amount, again, because the mortgage application that I was asked to sign was to have me verify as " accurate '' omitted my personal financial assets ( excluding my wife and the joint properties we own ), even though Chase had been provided with the documentation of our financial assets on XX/XX/XXXX. In summation, Chase is aware of our financial assets, but refuses to include them as part of our mortgage application, notwithstanding that the Chase mortgage application has a dedicated section for listing such assets ; Chase has provided to me a mortgage application that asks me to verify that I have no financial assets. It is our view that Chase can not rightfully deny us a mortgage loan based upon our credit histories, which include paying off XXXX mortgages in the past, the amount we seek to borrow, the 50 % -down-payment, and our documentation showing financial assets of about XXXX times that of the amount of the mortgage loan sought, and household net worth of greater than {$5.00} XXXX. I am also continuing to work as a self-employed attorney as I have been doing for nearly XXXX decades. My wife and I have spoken the loan XXXX that we are dealing with at Chase, however it is clear that Chase will not consider our financial assets in the mortgage application, notwithstanding that their loan application requests listing such assets, and indicated a refusal to give us a mortgage in any amount, even prior to receiving our tax returns and financial assets statements. The electronic mortgage applications sent to us by Chase on XX/XX/XXXX ( XXXX to me and another to my wife ), appear to be an effort to " justify '' a discriminatory decision to deny us a mortgage loan under any possible conditions for any amount. Chase has NOT offered us a mortgage loan for a lesser amount than that requested ; Chase refuses to approve a mortgage loan for my wife and me in ANY amount whatsoever. Our mortgage application with Chase and the documentation provided was during the last week in XX/XX/XXXX and through XX/XX/XXXX.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A