Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is an account on my credit report JPMCB CARD XXXX not only did I not give these companies permission, written, unwritten verbal and nonverbal ( 15 USC 6802 ), but there are inconsistencies varied account numbers, account type is different between the bureaus, date opened is different, comments are different, and the payment history is only shown by XXXX ( 15 U.S. Code 1666b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title 15 U.S.C. 1681-1681u. Also a chargeoff can not be reported on a credit report because this is income according to the IRS publication! It is a certificate of Indebtedness!! If you borrow money and are legally obligated to repay a fixed or determinable amount at a future date, you have a debt. You may be personally liable for a debt or may own a property that's subject to a debt. If your debt is forgiven or discharged for less than the full amount you owe, the debt is considered canceled in the amount that you don't have to pay. The law provides several exceptions, however, in which the amount you don't have to pay isn't canceled debt. These exceptions will be discussed later. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property subject to a debt, cancellation of the debt also may occur because of a foreclosure, a repossession, a voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs. The canceled debt isn't taxable, however, if the law specifically allows you to exclude it from gross income. These specific exclusions will be discussed later. After a debt is canceled, the creditor may send you a XXXX XXXX, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a XXXX XXXXXXXX showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a XXXX XXXXXXXX, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct XXXX XXXXXXXX.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Concerned that the information I report in employment online screenings are being used or intercepted by the wrong people including XXXX XXXX XXXX to harass and discriminate against XXXX people to " keep them from becoming successful ''. Below is a complaint I submitted about how multiple survey sites are being used as well. I am concerned about information getting out from multiple survey sites into the wrong hands including XXXX. There is a local church community ( XXXX XXXXXXXX XXXX XXXXXXXX ) involved with trying to 'study ' a XXXX person before they tend to XXXX XXXX. My name is XXXX XXXX and I am living in XXXX, CA with rumors from these conspiracy groups that I have XXXX XXXX XXXX myself by now with the XXXX XXXX XXXX from Florida calling to check on me after seeing a missing person 's post. These organizations are utilizing survey questions that I filled out over the years to create a false reality to try to cause me fear, become violent or make me XXXX, none which I am in order to " study '' me further. Supposedly they have placed some device in my head, but have no idea what or how it is utilized besides people at XXXX XXXX XXXX where I reside responding to thoughts. There is a hole in my head that wasn't previously here. They created some sort of " XXXX XXXX '' story and the small town of XXXXXXXX XXXX people are obsessed with me having a XXXX listed as a XXXX XXXX. Yesterday impersonating of a XXXX XXXX XXXXXXXX was used to put a homeless man 's dog down just for this XXXX to study how a XXXX person reacts. This town lists XXXX XXXX as the President in their XXXX phone book. There are multiple key players involed in using these online survey sites such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX organizations. I am being told now I can not leave the Town of XXXX and because of being financially unable to leave I am trapped in my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I come and go freely and since moving here XX/XX/2021 I became a XXXX at the local XXXX, just to have the local XXXX involed now with a XXXX XXXX complaint. Please remove these survey sites as they are being used to harm the XXXXXXXX XXXX XXXX XXXX XXXX, homeless and people of XXXX community. I previously used only XXXX internet for my home computer and phone by using my mobile hot spot so also concerned XXXX is involved. Chase Bank in the XXXX XXXX XXXXXXXX is involved.
Company Response:
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase have had my account froze for XXXX weeks now ever since I deposited a cashiers check in my business account. The XXXX check cleared and was paid on the XXXX but their teller me they need to speak to the maker to make sure its a good check. The maker of the check also has chase, meaning they should be able to contact this person with no problem. So basically my account have been restricted for XXXX weeks and their telling me if they dont talk to the maker my account will automatically shut down in XXXX to XXXX business days. The check was paid out on XX/XX/XXXX so why am I suffering because they cant contact the maker?
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX made XXXX of XXXX Payments made XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XXXX charged XX/XX/XXXX XXXX XXXX charged XX/XX/XXXX XXXX XXXX XXXX interest on XXXX XXXX XXXX interest on XXXX for XX/XX/XXXX XX/XX/XXXX balances XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minimum payment has been XXXX throughout. Was charged interest on balance in XXXX despite purchase being made 8 days earlier ( no grace period ). That interest charge was reversed after calling. Made a payment that more then covered the high interest balance. Payment was partly applied to high APR. Credit Card Act of 2009 as well as my billing statement says, All payments over the minimum for the account will be applied to highest interest rate unless a promotional balance is within two billing cycles of completion. My XXXX XXXX expires in XXXX. Chase bank has refused to reverse the second interest charge or apply my over payment to my high interest rate.
Company Response:
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My name is XXXX I am currently an adult living with XXXX XXXX XXXX. I have had 2 credit cards from chase for almost 2 years. My mom who is also my guardian assisted me on multiple occasions put my account on auto-payment. My United Airlines card stayed on Auto-pay but for whatever reason the Auto-Payment on my Chase XXXX XXXX keeps coming off on its own and Chase keeps charging me late fees on my card I have a total of 9 late fees at {$40.00} each totaling {$360.00} and interest is extra. My current balance is {$770.00} so the late fees is half my bill. Chase also lower my available limit as well on my cards lowering my credit score due to it looking like I was at 80 % usage in my card when I was actually only at 30 %. Chase also put a late fee on my credit report in the month of XXXX due to my Auto-Payment being turned off. I have never had a late fee on my credit report on any of my accounts it once again lowered my credit score. I can show proof that due to chase my score went from 740 to a 680 When my mom tried to assist me with resolving it they refused to speak to her even though I gave permission. One of the reps even hung up in her face.
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 07644
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Around XXXX on XXXX XX/XX/2022, I received a phone call from registered caller ID as Chase Business ( XXXX ) XXXX The representative said they detected fraud in the form of a wire transfer originating in XXXX Texas if I authorized these charges. I firmly said no and they then asked if I would like to cancel them, I said Yes. They said they needed to verify my identity and they would ask a series of questions. They asked if my address was XXXX, I said yes. The asked if my phone number was XXXX, I said yes They then said they would transfer me to the fraud department. I was on hold for about XXXX minutes. The next caller identified himself as XXXX. He asked a series of the same security questions. They did not ask me to give any information. They only asked a series of yes/no questions. They asked me if I lived at several different addresss. Some were yes, some were no. They had addresss for me that I lived at 20 years ago. They then said they would like to review the most recent charges they gave me my present balance which I confirmed. I asked the caller for his name and representative number. He said his name was XXXX and his rep number was XXXX They were able to read off at the last 6-10 charges. I had my app open so I verified everything because it was all correct. They then asked me to check my other accounts if I noticed any fraud on those accounts. I did and there was nothing. I then checked the wire transfer and there were two wires pending one for {$40000.00} and one for {$38000.00}. I started to panic. They said it was no problem that because they were pending they could still stop them from processing. They gave me the information of the receiver and asked if I knew who they were, I said no. They asked if I had given anyone my log in info or if anyone had used my devices, I said no. I then asked if they could give me some sort of proof that it was in fact Chase on the line. They sent me a one time passcode text message, I received it as a text on my phone in a thread from previous Chase code texts I had received in the past. So I felt more safe that it was Chase. They then said they could verify by sending me another message to the app. I opened up the app and I received a pop up window from Chase that read a chase representative is calling you or on the line, can you verify yes or no there were to options yes/no so I clicked yes and it immediately took me back to the home screen of my accounts. That made me feel more secure since I was logged into the app. They said they would put me on hold while they waited for the charges to stop processing. While they had me on hold, I muted them and used my business phone to call Chase directly. I let them know that I had received a phone call from them and that there was wire fraud charges pending if this was a real call. The representative said there was no way for him to tell. He saw the pending charges and all he could do was make a claim. I hung up with the other line and asked this new representative to please escalate as it was my entire bank account being fraudulently wiped out and the charges were still pending that we could possibly catch it in time to stop them. We went through another round of security questions and started to file the claim. As this transpired the charges processed and I received an email that the wire was processed. I was furious and very upset. The representative said there was nothing he could do. I would receive paperwork in the mail in 7 days and to fill out and send back. I immediately went to the police station to file a report. A few hours later I received a phone call from XXXX XXXX Bank calling to confirm the charges. I denied them and they said they would do they're own investigation but could give me no further information since I was not there customer. I still have the voicemail if needed to be furnished. At no point did Chase call me or send me any text messages or email to confirm these wire charges. I have zero history in the many years of banking with chase of ever sending anyone that large of a wire transfer much less my entire business funds. I dont know who those individuals are and can not understand how Chase allowed my account security to be breached. Furthermore, there was fraud on my business debit card just one week prior to this happening to which we had to close that card and issue a new one. Since this incident, I have continued to receive phone calls from caller id registered as Chase Business ( XXXX ) XXXX. Additionally, I have received two more attempts on this account which I have denied and the account at the time is frozen/blocked. I am not sure how this keeps happening. My security with Chase is breached. My private information has been leaked and my life savings is gone. I need this to be reinvestigated. The persons who received the wire information is there for Chase to investigate.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
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 have XXXX separate issues regarding charges on my account. I received a fraud alert via text message in reference to all the charges made on my account on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I still see the charges. I put in for a dispute for the charges from monthly XXXX XXXX ( {$8.00} ) which is the app for the XXXX XXXX on my car starting from XXXX XXXX XX/XX/XXXX I only see XXXX credits. I have not had my XXXX since XX/XX/XXXX it was a lease and I have proof of that. I am still being charged monthly for this. I have late fee XX/XX/XXXX even though I have always had a my account in Auto-payment.
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 07644
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, there was a withdrawal of {$800.00} taken out of my chase checking account at an ATM. The transaction was not done by me. Once I saw this transaction occurred on my account I reported it to chase XXXX department and they said there will be an investigation. They closed my debit card and issued me a new one.They subsequently refunded the money back into my account pending their investigation. The claim was then reversed on XX/XX/XXXX and the money was again taken out of my account. I called chase again to rectify the situation and they said after their investigation it was determined that it wasn't a mistake because it was an atm withdrawal with a chip. Again, it was not a transaction that I did and when I asked for more information or video footage to determine who the culprit was they said they could not provide that to me. Now I have an overdrawn bank account with a negative balance and no solution to the fraud that's been occurring on my account.
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PLEASE DO NOT MARK AS DUPLICATE. A PHONE REPRESENTATIVE OF CFPB EVEN TOLD ME TO RESUBMIT. THIS IS A SEPARATE ISSUE. To Whom it May Concern : I am writing to address the resolution of two closed complaints, numbered XXXX and XXXX. I do not consider this matter to be resolved and request that Chase Auto Finance correct the negative reports to my credit score. Firstly, I allege that Chase has breached the contract between us by refusing to disburse the full payment owed to me. Despite multiple attempts to communicate with the company, they have repeatedly failed to pay me and have only made empty promises to credit my account. Secondly, I contest Chase 's claim that I have a contractual obligation to furnish the original title. As stated on the Oklahoma title, it is possible for a lienholder to be recorded in the state 's systems even if they are not listed on the title. I had no influence on what was printed on the title and was fully cooperative in adding Chase as a lienholder. It was not until months after Chase 's refusal to disburse the loan that we became aware of a potential mistake with the title. Furthermore, I take issue with the negative remarks on my credit score regarding missed payments. It has been years since Chase representatives promised to post a credit to my account, and in the final months of the loan, the credit owed to me exceeded the amount I owed on the loan. Without any prior communication, I received a check in the mail from Chase, instead of the promised credit. As a result, Chase falsely reported late payments to credit bureaus. It is worth noting that Chase 's disbursement was approximately five years late, yet they have the audacity to claim that my payments were late. Based on the above, I stand by my allegations of fraud. It seems that Chase had no intention of disbursing the loan as promised until I filed complaints with the appropriate agencies. I request that Chase make immediate corrections to any credit reporting services that may have been notified of late payments and correct the negative reports on my credit score.
Company Response:
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
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: Opened a dispute with Chase [ XXXX ] about XXXX purchases that were not delivered, because of XXXX refusal to deliver XXXX and I refused to drive XXXXXXXX XXXX miles roundtrip to retrieve. I promptly closed that ChaseAmazon Credit Card on or about XXXX after these ongoing problems continued, and also shuttered the Amazon account ; which never issued regular receipts describing items purchased with anticipated delivery dates included on their acknowledgement email. That dispute was Opened on or about XX/XX/2022 by phone. I immediately paid the undisputed amount {$350.00} by personal check XXXX on or about XXXX which was cashed. Chase never, until receipt was had on or about XXXX of two letters dated XXXX and XXXX, provided andor requested any written communications, whatsoever, subsequent to that initial phone dispute being filed XXXX requesting I provide any documentation I possessed but simply tried calling and calling and calling and calling until I had enough and actually stopped accepting all imcoming calls on or about XXXX. The demands dated XXXX and XXXX indicate now that if they do not receive the demanded documents by XXXX { two ( 2 ) mailing days after receipt of their only such request for production } that " we may close our investigation and you may be responsible for the charge ( s ) and any related interest and fees. '' in the meantime they woefully acknowledge having resolved some { mostly undefined } pending disputes. '' I am sending copies of the " Postal We Missed You '' ( PS FORMS 3849 ) documents left when delivery was supposed to have happened { the carriers simply refuse to deliver for Amazon and Amazon is well aware of this as it occured while Amazon Home Delivery was at my residence delivering and witnessed one such episode, firsthand }. But USPS has had ongoing issues with rural carriers employed to service my address since my purchase back on XXXX except for a few years before Amazon and XXXX struck up their deal that in essence screwed all the Postal Carriers [ as was explained to me by two ( 2 ) prior carriers one also a XXXX and my carrier for nearly 3.5 years and his replacement who was married to a XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A