Date Received: 2023-01-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On my credit report there is a credit card from chase bank credit card I am currently living in XXXX and have not lived in the United States for 12 years. This is fraudulent activity on my credit report. I need to have it removed to keep my credit in good standing. If you look at my credit report you will see theres been no activity in the United States for the past 12 years. I can provide you with proof of identity and residence in XXXX.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: JP Morgan Chase is holding funds from checks written to my business and wont release the funds to me ( although they have cleared through my clients accounts ). They have been holding these checks since XX/XX/2022. The funds have been released from my clients bank accounts. Chase requested a DBA for my business which I did and they still wont release tge funds? Ive requested the checks be returned to me so my clients can cancel them and rewrite them to the correct business name and Chase refuses to return them as they have already cashed them? Its been over 3 months and I just dont know what to do? I hope you can help me! Thank you for your time! XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
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: After I returned From a trip on XX/XX/2022, I was reviewing my credit card charges and notice service charges by XXXX XXXX for bag fees. I called the Chase Credit Company and filed a dispute on the {$79.00} bag fee. I filed the dispute with Chase regarding being charge twice by XXXX XXXX for bag fees in the amount of {$96.00} ( prepaid online XX/XX/2022 online ) and {$79.00} charged at the airport XX/XX/2022 for the same luggage. XXXX stated in their response that I paid {$79.00} for a carry-on bag fee without addressing the fact that I paid {$50.00} for the carry-on bag fee for a personal bag at the airport on XX/XX/2022. Chase agreed with XXXX XXXX about the {$79.00} carry-on bag fee and denied my dispute without verifying with me whether or not this information was true. Because as I stated above, that I paid {$50.00} for the carry-on bag fee at the airport and XXXX claimed to have charge me {$79.00} for a carry-on bag fee, therefore XXXX charged me twice for a carry-on bag fee on XX/XX/2022.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, On XX/XX/XXXX I opened a claim with Chase Bank in regards to a dispute I had with a merchant XXXX XXXX where products I purchased from them were taken back. I requested all purchases to be refunded but Chase confirmed there was only a set number of days they could dispute the transaction and I was fine with that and requested to continue with the claims they could process. At the time I opened the claim on XX/XX/2022 I requested all previous transaction that had already been refunded from XXXX XXXX be excluded on the claim resulting in about {$510.00} that I requested XXXXhase collect on there may have been more but that was the amount Chase was working with, I didn't record the exact amount but this is what I was able to confirm from Chase in writing. I received a letter from Chase saying the claim had been closed because the merchant had already credited me {$510.00}. When I reached out to Chase because I was unable to find that {$510.00} refund from XXXX XXXX spanning 16 transaction, Chase quickly back tracked and said the money was never put into my account and the Claim was declined even though I received a letter saying other wise and I still have that pdf. I reached out to every agent I could get in contact with to ask where this money was and what happened to the claim. Two agents explained to me that the claim was automatically closed because I received a refund from the merchant in the past. Prior to the XXXX. I had then explained that I request those refunded transaction to be excluded from the claim. I was able to prove to them the refunded amounts were not part of the 16 transaction I request Chase attempt to collect on. Both agents agreed this was a mistake and started the process to reopen the claim and again the claim was automatically closed because of the same previous transaction that were not part of the claim. I spoke to several agents as well as one agent from the executive office. Every agent except the 2 that confirmed this was a mistake continued to insist there was nothing that could be done and everything was in order even though not a single transaction was refunded on my account that was part of the claim. Either 2 things happened Chase never bother to process the claim and automatically closed it and send me a letter saying the money was already returned to my account by the merchant ( {$510.00} ) or they collected the money and kept it. The refunded transactions that were processed prior to the XXXX that I had requested be excluded were a total of {$460.00} across 6 transaction. Every agent I spoke to aside from the 2 agents said that the 6 transaction totaling {$460.00} were equal to {$510.00} not a single aside from the 2 that agreed there was a issue and one I got into a heated exchange with agreed they did not equal the same amount ( That agent I got into a heated exchange with kept saying the 6 transaction were the {$510.00} even though she admitted it wasnt ). This means that Chase has a automated system the is going around closing Claims simply because a refunded transaction exists for that merchant. Just for clarification the {$460.00} that I had refunded to my chase account were processed by XXXX agent and by me reporting a issue Chase didn't lift a finger for those and were not part of the claim later on after the claim had already closed and i was arguing with Chase {$300.00} were refunded to my Chase account that were a result XXXX not being able to refund my XXXX XXXX Credit card for what ever reason none of those {$300.00} say refund from XXXX XXXX. When I spoke to the agent from the executive office attempt to take credit for those {$460.00} and the {$300.00} that were refunded. I have attempted to resolve this with Chase at every level I have reached out to the XXXX I have sent a letter to the CA attorney general XXXX XXXX ( Haven't heard back from him ) I have no idea what to do. I was told I could report this to the CFPB I hope someone can help. I also requested the details of Chase 's investigation of the claim since they said I was allowed to get a copy. When I requested the documents they said they would be mailed to me I haven't gotten any.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
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: I recently wrote to JPMorgan Chase Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. JPMorgan Chase Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. JPMorgan Chase Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. JPMorgan Chase Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that JPMorgan Chase Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which JPMorgan Chase Bank is seemingly willfully noncomplying. Furthermore, JPMorgan Chase Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to JPMorgan Chase Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, JPMorgan Chase Bank continues to falsely verify as accurate. This has to stop at once!
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase Bank, in retaliation against my filing a complaint ( XXXX ) against it, responded to my request for recent statements never received, sent me copies of two statements that were reduced in size by XXXX. It is impossible to read a statement only XXXX of the normal size. Even wearing reading glasses, I can not read the tiny print. Furthermore, this is Chase Bank also acting in a discriminatory manner against the elderly, of which I am one. It knows my age and purposely sends me an unreadable very small image of a statement. It is impossible for me to reconcile these two statements because of their tiny size. Chase Bank purposely utilizes this deceptive and criminal tactic not only to harass me, but also to be able to continue to add on late fees and interest charges. I can not, and will not, pay anything until I can confirm the validity of all charges. I have voluntarily refrained from using the credit card, and will not do so unless and until I receive legible statements AND all fees and interest are removed IN FULL Billionaire XXXX XXXX is negligent in running Chase Bank and fails to stop its abuse of the American public.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a garnishment sent to me last year. I went to my bank Chase. I wired {$4700.00} to the creditor on XX/XX/XXXX. The Attonery and the court sent me the dismissal of garnishment paperwork and I received it by mail on XX/XX/XXXX. On XX/XX/XXXX Chase put a hold for the garnishment on my checking and savings account leaving me without access to any funds. On XX/XX/XXXX I went to my local branch and they faxed the Dismissal of garnishment and the letter from the attorney stating debt was paid in full. It is now XX/XX/XXXX and I still dont have access to any money. When I call they told me I would have my money in 24 to 48 hours. Its been a week and I still have a hold and negative account balance. My credit card payment was also returned for insufficient funds. I understand that accidents happen. I have given Chase a full week and now I dont have any money anywhere. I cant buy gas or food for my newborn. Please help.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
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: Today XX/XX/XXXX I received a bill for {$25.00} from XXXXChase which is already a part of an ongoing previously filed CFPB Compalint filed and still showing as Open and sent to the Creditor within my index of complaints. So I phoned that individual charged with that ongoing investigation at XXXX XXXX XXXX ext - XXXX whereupon I did my best to get either an explanation of this precise amount as not a single bill shows such a purchase for that amount ( {$25.00} ) on any or an unspecified date with an unspecified purchase. There are still two ( 2 ) unresolved disputes previously filed for {$18.00} ( XX/XX/XXXX posted ) and {$22.00} ( posted XX/XX/XXXX ) equaling {$41.00}. I was told that I needed to dispute that sum { {$25.00} } after numerous attempts at explaining to that investigator that I am positive I do not owe that sum and have no reference of such a purchase. I inquired if that sum was a part of his investigation but still can not gain enough insight as to what the fee is for except it has been said it is the difference between what I was previously billed and what is presently owed BUT WAIT there are two continuing UNRESOLVED DISPUTES for a total of {$41.00} to my best knowledge and belief so I contend I am actually owed a reimbursement of the difference between {$41.00} and {$25.00} or {$15.00}. All manner of ridiculous " dispute mechanisms were asserted by Customer Service whom I called after such direction from that Investigator Charged with the prior CFPB investigation, but none made sense and I could not attest to the facts she wished for me to allege as they didn't agree with and were in conflict with the TRUTHs which I again state hereinabove. So if there are pending disputes which " I am not obligated to pay until the conclusion of that investigation '' or " fees plus interest until the completion of that Dispute process '' why am I receiving a Statement demanding payment XX/XX/XXXX? For completely unspecified charges. THIS IS WRONG and a VIOLATION of the FCDRA I refuse to pay the unevidenced claim until such time as an account is provided which reasonably displays why that sum is due and all prior disputed sums either discharged or otherwise eliminated. Statement date is XX/XX/XXXX
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My account was randomly changed and cheated by the supervisor and customer service of the electronic funds transfer department, and my online banking was locked. They told me that my transfer can be transferred after a while. I did all the verifications and was rejected in the end. The bank was locked. When I told them that it was locked, I asked to unlock it. They told me to go to the bank to deal with it. I am not in the United States and told them. They said that my account has security settings. This setting is my own to prevent theft. Now The reason why it became impossible to unlock. During this period, the translator and the customer service supervisor were playing hand in hand. I didnt help me translate the translation, and it wasnt what I said. They were exposed by me later, and they hung up the phone. Since your bank is unwilling to help me, I ask. Close my account and transfer the money to another bank account Going to your bank will only cause me a lot of trouble I don't want to unlock my account now I request to close and transfer the money to my other bank immediately Thank you this is being accepted What do you bank force me to do?
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My account was randomly changed and cheated by the supervisor and customer service of the electronic funds transfer department, and my online banking was locked. They told me that my transfer can be transferred after a while. I did all the verifications and was rejected in the end. The bank was locked. When I told them that it was locked, I asked to unlock it. They told me to go to the bank to deal with it. I am not in the United States and told them. They said that my account has security settings. This setting is my own to prevent theft. Now The reason why it became impossible to unlock. During this period, the translator and the customer service supervisor were playing hand in hand. I didnt help me translate the translation, and it wasnt what I said. They were exposed by me later, and they hung up the phone. Since your bank is unwilling to help me, I ask. Close my account and transfer the money to another bank account Going to your bank will only cause me a lot of trouble I don't want to unlock my account now I request to close and transfer the money to my other bank immediately Thank you this is being accepted What do you bank force me to do?
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A