Date Received: 2023-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: | was charged on XX/XX/22 in the amount of {$430.00} for XXXX charges that I did not authorize. I was not notified of the charges made until XX/XX/22,. At such time, | contacted XXXX and Chase Bank. XXXX advised me to reach out to my bank while the investigation was underway. XXXX indefinitely suspended my account and advised me to remove my bank information and to change my login information. This is due to the fact that XXXX found fraudulent activity on the account. My email that was linked to the account was different and that's how they knew it was fraudulent. Chase bank temporarily refunded me until XXXX concluded their investigation. Both XXXX and the bank provided written documentation stating that the charges made were fraudulent. However, the merchant ( XXXX allegedly provided information to the bank that stated the charges were legitimate and the bank removed the temporary credit and charged me back for in the amount of {$430.00}. After contacting the bank, was notified that there was nothing else that the bank can do and that XXXX had to supply me a direct refund. After reaching out to XXXX once again on XX/XX/22, I was told that a refund can not be issued due to the suspension on my account. I was also told to receive said retund, I had to reach out via email to the original email that stated the activity was fraudulent in the first place. I replied to the email on XXXX separate occasions and have not received a response to date. Email was sent to XXXX Sincerely, XXXX. XXXX
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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: Chase rejected my claim against XXXX on the basis of the service being available by vendor at the time of booking. This was obviously handled unprofessionally, and at a very low level, because it is completely XXXX to the fact that we had hurricane Nicole on XX/XX/2022. All flights out of XXXX were canceled and I could not get to the XXXX destination to pick up my rental car. A hurricane is considered to be an act of XXXX, and constitutes a force majeure event. If the rental car company was affected by a hurricane, they would have simply not provided a car, based on a force majeure. Why should I be handled differently as a consumer?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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 was charged too much for a vacation car rental ( roughly double the original amount or XXXX USD too much ). I have two documents that prove the correct amount, one is the confirmation from priceline which I had used to complete the reservation, the other document is a statement from the employee of the car rental company that states the correct amount and explicitly states that no one-way fee was to be charged for the rental ( which is the main driver of the difference ). I contacted the car rental company multiple times through different channels. As nobody at the car rental company felt responsible for the issue, I disputed the charge with Chase. The first agent at Chase asked me to go to the car rental location in person ( which is located in XXXX, I am based in the US ) to resolve the issue. The second agent pretended to take me seriously but closed down the dispute a few days later with no explanation or resolution, despite the documentation I had provided. With the merchant being unresponsive, it is the bank 's responsibility to resolve this dispute but Chase does not take its responsibility seriously.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX with my Chase Sapphire credit card account I redeemed my rewards points for a flight for myself and another passenger from XXXX to XXXX with the travel dates of XXXX XXXX XXXX. This redemption costed me XXXX points, for a value of {$680.00}. Due to XXXX, my aforementioned travel plans were cancelled and Chase emailed me stating " We have issued an airline credit for your flight ... the details will be emailed to you in a confirmation email ''. This flight credit or confirmation email was never issued to me, and several of my attempts to discuss this matter with Chase to claim my travel credit has failed due incompetence of this subject matter by their rewards department. Each trip advisor and supervisor state they will call or email me within XXXX days with a resolution to this case, however I do not not receive any correspondence beyond the XXXX day timeframe given. I will then reach out to Chase after several days, but get the same go-around. After many unsuccessful attempts to resolve this directly with Chase, I would like to file a complaint so this problem can be resolved. I have all appropriate documentation to support my claims and will be happy to provide these upon request. *On a side note, XXXX Chase representative claimed my travel credit would likely have expired because it is beyond XXXX years since booking, but my refute to this is that XXXX and XXXX did not reopen their borders for international travelers until XXXX, XXXX, so I would not have been able to use it during that XXXX year window regardless. Since the borders have reopened for foreign travelers, I have been trying to reclaim my credit with Chase, but without success and would appreciate your department 's assistance. Thank you, XXXX
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: Below is a list of fraudulent transactions that were made from my Chase bank account through XXXX. I have no knowledge of who the recipients are or of where they are located. All the charges were made without my approval or authorization, and the charges constitute financial fraud. The amounts below were withdrawn from account number XXXX. The complete irregularity of the outgoing XXXX transactions ( linked directly to my Chase account ), in comparison to my account history, should also be considered as further evidence to the fraudulent nature of these charges. The following fraudulent charges were made between the dates of XX/XX/XXXX th and XX/XX/XXXX th of 2022. Date of Charge Transaction # /Description Transaction Type Amount Chase Fraud Claim Number XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$150.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$100.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX - {$250.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$300.00} XXXX XX/XX/2022 XXXX XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX
Company Response:
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited XXXX in cash to my bank account on the ATM at XXXX XXXX XXXX XXXX, XXXX Rhode Island. The machine processed the money as always but after getting my money inside the machine just kept the door where it received my money open gave me a receipt without any amount. I complained to the bank representative, which came and saw the machine open and gave a 1800 number to call. For the last two days I spoke with two different reps and no solution is given. My account came overdrawn as result of this situation and I can not pay my bills. Chase Claim Reference # XXXX
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: JP MORGAN DOES NOT SATISFY ANY POINTS OF COMPLAINT. AT PRESENT, JPMORGAN IS IN VIOLATION OF TRUST LAW AS ACCOUNT HAS BEEN SECURED IN A TRUST VIA SECURED PARTY/CREDITOR. IN ADDITION, JP MORGAN IS IN VIOLATION OF MISCONDUCT, FRAUD, FORGERY, DECEPTION, BOND FRAUD, CONVEYING FALSE INFORMATION, COPYRIGHT INFRINGEMENT OF A LIVING PERSON, HJR 192/PUBLIC LAW 73.10, IDENTITY THEFT, RACKTEERING, PUBLIC CORRUPTION CRIMES. ALL DOCUMENTS SUBMITTED VIA JPMORGAN ARE NULL IN VOID AS I AM A LIVING WOMAN WITH SECURITY INTEREST IN THE FRAUDULENT SIGNED CONTRACT. JP MORGAN IS in violation of 18USC471 Whoever falsely makes, forges, counterfeits or alters any note, bond, debenture, coupon, obligation, instrument, or writing in imitation or purporting to be in imitation of, a note, bond, debenture, coupon, obligation, instrument or writing, issued by the Reconstruction Finance Corporation, Federal Deposit Insurance Corporation, National Credit Union Administration, Home Owners Loan Corporation, Farm Credit Administration, Department of Housing and Urban Development, or any land bank, intermediate credit bank, insured credit union, bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States, shall be fined under this title or imprisoned not more than 10 years, or both. Whoever passes, utters, or publishes, or attempts to pass, utter or publish any note, bond, debenture, coupon, obligation, instrument or document knowing the same to have been falsely made, forged, counterfeited or altered, contrary to the provisions of this section, shall be fined under this title or imprisoned not more than 10 years, or both. 18 U.S. Code 495 - Contracts, deeds, and powers of attorney Whoever falsely makes, alters, forges, or counterfeits any deed, power of attorney, order, certificate, receipt, contract, or other writing, for the purpose of obtaining or receiving, or of enabling any other person, either directly or indirectly, to obtain or receive from the United States or any officers or agents thereof, any sum of money ; or Whoever utters or publishes as true any such false, forged, altered, or counterfeited writing, with intent to defraud the United States, knowing the same to be false, altered, forged, or counterfeited ; or Whoever transmits to, or presents at any office or officer of the United States, any such writing in support of, or in relation to, any account or claim, with intent to defraud the United States, knowing the same to be false, altered, forged, or counterfeited Shall be fined under this title or imprisoned not more than ten years, or both. JP MORGAN CONTRACT IS NULL AND VOID AS FOLLOWS : UNDER THE BUYER 'S ACKNOWLEDGEMENT OF CONTRACT RECEIPT ; YOU AGREE TO THE TERMS OF THIS CONTRACT AND ACKNOWLEDGE RECEIPT OF COMPLETED COPY OF IT, YOU CONFIRM THAT BEFORE YOU SIGNED THIS CONTRAC WE GAVE IT TO YOU, AND YOU WERE FREE TO TAKE IT AND REVIEW IT. YOU ACKNOWLEDGE THAT YOU HAVE READ EACH PAGE OF THIS CONTRACT, INCLUDING THE ARBITRATION PROVISION ON PAGE 4 BEFORE SIGNING IT. I, XXXX XXXX XXXX, did NOT sign below the statement and I did not receive a copy of the contract until it was sent to me via JP Morgan . Contract was NOT signed at the dealership due to multiple issues during the COVID pandemic. I did not receive a copy of the contract on night of signing nor did I authorize anyone implied or verbal to forge authorized representative name to this contract. Contract is null in void for fraud and forgery. AT PRESENT, THIS CASE HAS BEEN SUBMITTED TO THE FDIC WITH FORMAL COMPLAINT, IRS AND SECURITIES EXCHANGE FOR THE FOLLOWING VIOLATIONS : TRUTH IN LENDING, FAIR DEBT COLLECTION ACT, CONSUMER PROTECTION ACT, FORGERY, AND IDENTITY THEFT. JP MORGAN HISTORY OF DEFRAUDING THE PUBLIC IS ON RECORD AND WILL BE USED AS ADDITIONAL EVIDENCE IN THIS CASE AS ALL RECORDS ARE IN PUBLIC DOMAIN.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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 purchased concert tickets on XX/XX/XXXX from XXXX for {$300.00} and the concert was postponed due to the artist getting COVID. The concert was scheduled for XXXX XXXX originally and XXXX told us it would be rescheduled. Its now XXXX of XXXX and there has been no new concert scheduled. XXXX states they have no idea of the rescheduling date, and will not give a refund. The bank will not process a refund saying that XXXX will not allow it, however the people whom I was going to the concert with already got their money back. The bottom line when it comes to XXXX is that I did not receive the service I requested by the date it was promised and I still have not received the agreed upon service which was to see the OJays. As far as Chase is concerned, this is a violation of the Fair Credit Reporting Act as Chase gives 120 days from date of purchase to dispute a good or service NOT received as a chargeback. In general its a bunch of companies taking advantage of the people they are supposed to be serving and that keep them in business.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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 would like to file a complaint on XXXX for not reinvestigating some items I brought to there attention on XX/XX/XXXX. I disputed XXXX accounts based on inaccurate reported information as well as sent them copies of proof to support my dispute. XX/XX/XXXX Target sent a correspondence specifying when the Date of Delinquency occurred which was on XX/XX/XXXX, causing the Last Payment to have been made on XX/XX/XXXX. XX/XX/XXXX XXXX sent a correspondence specifying when the Date of XXXX occured which was on XX/XX/XXXX, causing the federal 7 year reporting running of reporting period as described in XXXX ( c ) to expire on XX/XX/XXXX. My XXXX Dispute sent on XX/XX/XXXX to XXXX, XXXX XXXX XXXX, XXXX PA XXXX with attached XXXX report dated XX/XX/XXXX File Number XXXX ( I included a copy of my report and dispute for your viewing ) specified clearly the specific accounts and reasoning for there own dispute. -JPMCB XXXX - date closed XX/XX/XXXX is wrong. XXXXXXXX XXXX XXXXXXXX XXXX - last payment XX/XX/XXXX is wrong. -XXXX XXXXXXXX - XXXX month and year this item will be removed XX/XX/XXXX is wrong XXXX XXXX XXXX - account type XXXX Account is wrong because the closed date reports XX/XX/XXXX. I checked on there XXXX website to see the status of my dispute and it showed that XXXX completed a investigation on XX/XX/XXXX. I tried clicking on the link View Dispute Results and the only thing that pops up is a error saying we are having technical difficulties, we appreciate your patience while we resolve this issue. Me not being able to see my results when XXXX says its ready is a real inconvenience for me and I do not know the results outcome based on there reinvestigation. I decided to get a new report on XX/XX/XXXX to check to see if XXXX fixed the errors I brought to there attention. I was shocked to see the only account transunion fixed was the XXXX account. XXXX removed the closed date on the XXXX account to support the XXXX status. The remaining XXXX accounts I had included in the same letter were either never reinvestigated or XXXX blatantly failed to fix the errors I had brought to there attention. The reason why I say XXXX XXXX have not reinvestigated these accounts is because XXXX actually removed the Remarks field on all XXXX accounts on my updated XX/XX/XXXX report, and if there is no remarks field reporting then there is no notice these accounts were disputed by the data furnishers XXXX ( a ) ( XXXX ) and without the creditors notice of dispute it is impossible for XXXX to XXXX there reinvestigation under FCRA law 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ) ( A ) and ( B ). If XXXX claims that these accounts were in fact reinvestigated then why didnt XXXX XXXX the errors I had previously requested? The same errors that were on my XX/XX/XXXX report reflect the same on my XX/XX/XXXX report with the exact same file number. It is not fair that XXXX can complete a reinvestigation and modify correctly only XXXX of the accounts that was listed on the same letter as the XXXX additional accounts and the XXXX additional accounts were not fixed or never reinvestigated. My XXXX report dated XX/XX/XXXX SAME File Number XXXX in regards to the XXXX accounts ( I included a copy of my report for your viewing as proof XXXX is non compliance ) -JPMCB XXXX - the error date closed XX/XX/XXXX is still reporting. XXXXXXXX XXXX XXXXXXXX XXXX- the error last payment XX/XX/XXXX is still reporting. XXXX XXXXXXXX- XXXX error estimated month and year this item will be removed XX/XX/XXXX is still reporting. XXXX is not following proper compliance proceudres in regards to reinvestigating items I bring to there attention. I attached additional paperwork from the creditors proving to transunion the errors are not allegations but proven blatant facts directly from these creditors to support my dispute. There should be no reason why transunion did not fix the errors. I specifically told XXXX what account and account number was inaccurate and the reason for the basis of my dipsute with attached proof of paperwork.The same paperwork these creditors sent me in regards to specific information in connection with the accounts is the same information the creditors send the consumer reporting agencies to report. Since these creditors have complied and verified with me the information they are giving to the consumer reporting agencies, XXXX is responsible for reporting blatant inaccuracies on my private non public consumer file especially after I had already notified them about these specific errors. XXXX simply doesnt care about federal and state laws and must be held responsible for the non compliance procedures they are conducting on my consumer file because not only are they violating my right to privacy and damaging my credit worthiness by reporting such inaccuracies there are damaging my character and ability to gain new credit line opportunities with future financial institutions. I do not believe reasonable and proper procedures were practiced before preparing me a new report because my XX/XX/XXXX report is NOT reporting to the maximum possible accuracy XXXX ( b ). The FCRA clearly states the consumer reporting agencies have XXXX options in regards to a reinvestigation and its either modify the account as appropriate based on the results of the reinvestigation or delete the accounts. XXXX has failed to modify these accounts accurately therefore I request that these accounts must be deleted XXXX ( a ) ( XXXX ) ( A ) ( i ). I have also included the most recent disputes I sent to XXXX for the JPMCB, XXXX XXXX XXXXXXXX accounts sent on XX/XX/XXXX just in case XXXX sends me there generic response letter and fails to answer to my request.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: [ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Chase Credit Card XXXX ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it. This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. Truly Yours, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A