Date Received: 2022-12-24
Issue: Problem with a company's investigation into an existing issue
Subissue: Investigation took more than 30 days
Consumer Complaint: JP Morgan has discriminated against a protected class in an effort to deny anyone who has applied for more than 5 credit cards in 24 months Citing debt to income too many accounts any reason they feel they can discriminate against me with. Company failed to investigate XXXX and is using XXXX for massive amounts of fraud
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called 3 seperate times trying to close the account. 1st attempt nothing happened all 3 of my accounts remained open. I couple of new transactions went through. 2nd attempt 2 savings accounts were closed 1 checking account remained open was told I'd get a call the next day after pending transaction from 1st attempt completed no phone call was made. Another transaction came put 2 days later and drove account into negative. 3rd phone call was recorded and I told them I was done. Any transactions posted after my second attempt to close the account were not authorized. I went on to say as far as I'm concerned my business with that bank is concluded. They admitted it was their fault on the phone call and as I said I recorded it.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I disputed 3 charges on my Chase credit card account : {$66.00} on XX/XX/2022 {$54.00} on XX/XX/2022 {$54.00} on XX/XX/2022 This dispute was initiated XX/XX/XXXX, when I called Chase about a series of unauthorized charges on my Chase credit card. Chase customer service initiated a fraud investigation leading to issuance of a new credit card. Ultimately, Chase determined there was no fraud. I called Chase customer service again and was told the claim should have been handled as a dispute, not fraud. I was told to submit a letter detailing the disputed amounts. I did so and was later asked to provide additional information. Nearly 2 months passed with no communication from Chase and I noticed that the charges were now back on my billing statement after previously being removed. I called Chase customer service and was told to wait for communication from Chase customer service for clarification. I paid the balance for my credit card minus the disputed unauthorized charges. On XX/XX/XXXX, I received 3 letters from Chase regarding the disputed charges. The letters appeared to be partial duplicates asking for additional information on this claim. I answered the questions posed to me on the sheets. I utilized the Chase website to upload the handwritten responses and letters detailing the unauthorized transaction. Details : On XX/XX/2022 I made an online 1 time purchase for {$7.00}. The purchased item was an aftermarket outdoor action recorder. The purchase amount was for shipping and handling. This camera was basically garbage and did not work as described. Unbeknownst to me, at that time, the company signed me up for a monthly subscription. I was unaware of the monthly charges due to monthly automatic payment and high CC charges in that time period where I did not scrutinize my bill. I disputed the charges when I became aware of them and a fraud investigation was initiated. I did not authorize the purchase and did not agree to a monthly subscription plan. Further, I never received any subscription item or value from those 3 charges. It should be noted that I spoke with the merchant ( XXXX ) during this time period ( XXXX ) and they agreed to cancel the subscription and refund. First I was offered a 20 % refund leading to a 50 % offer after rejecting the first offer. I declined the second offer and stated I would pursue the matter with Chase. The next day, XXXX called back offering a full refund but then declined the refund since I had already initiated a claim with Chase. XXXX stated the merchant would wait to be contacted by Chase before processing the refund. It should be noted that during this conversation with XXXX, she offered to send me gift cards as part of the 3 subscription payments that my account had already been charged. I declined the gift cards and stated my intentions of pursuing a claim through Chase. Questions from Chase : -Provide detailed description of merchandise/service purchased. {$7.00} shipping and handling for " knock off '' camera. Received in late XXXX or early XXXX. Does not work. Garbage. Battery will not allow recording for longer than XXXX minutes. This charge is not in dispute. -The 3 unauthorized monthly subscription charges are in dispute. I did not agree to this subscription nor did I authorize the charges on my Chase credit card. I received nothing from the monthly subscription. -I attempted to resolve the issue by speaking directly to the merchant. I was told that once Chase contacted them ( merchant ) regarding the dispute that the fees would be refunded. I last spoke with the merchant in XXXX of XXXX. The above 3 paragraphs were responses to 2 identical Chase letters dated XX/XX/2022. A letter dated XX/XX/2022 requests other information. I completed the Chase forms and uploaded them to the dispute website. On XX/XX/XXXX, I received a telephone call from Chase regarding the dispute. It should be noted that I had answered all of there extra questions either in letter or handwritten form. I was asked clarifying questions that had already been asked and answered. At the conclusion of the call, I was told to wait for a determination from Chase and a letter would be sent. On XX/XX/XXXX, I received the letter and Chase denied my dispute. I called Chase immediately and was told by a manager that nothing further could be done. I have canceled the Chase credit card and WILL NOT pay the unauthorized charges totaling {$170.00}. I would add that before these unauthorized transactions took place, I was charging an average of {$4000.00} per month on my Chase card. I always paid the full balance at the end of the billing cycle and had never disputed a charge.
Company Response:
State: TX
Zip: 76706
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Account name : XXXX, XXXX. XXXX XXXX. XXXX {$1800.00}. # XXXX this company has the wrong account open date. Claims I never paid but has no late payment history Account name : jpmcb. Chase bank. Amount XXXX. Acct # XXXX This account was agreed in writing that the debt would stay stagnant and I would start over with a fresh account. Making a set payment of XXXX per month. They reported that I had multiple late payments from XXXX XXXX XXXX. Early in XXXX I was XXXX ( XXXX military ) and they never pulled the auto pay on the payment dates and charged reported I had late payments while the funds were pulled on time Account name : XXXX XXXX. Amount {$220.00}. acct # XXXX This account is showing the wrong date opened and closed. The company agreed to correct this issue and never did so. Account name : XXXX. XXXX and XXXX XXXX XXXX. XXXX {$8800.00}. Acct # XXXX I moved my now ex wife into this apartment and stayed she stayed here for 6 days before the complex terminated the lease. I have written documentation showing that they terminated the lease and they state that they would not pursue any debt towards me. I also provided them my military XXXX XXXX which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per SCRA guidelines it is illegal for them to charge me for this. The rep I spoke to was rude and pretty much said they didn't care. I still owed the debt. Even though the company sent me written and signed letters stating otherwise and I provided them with all military paper work needed to cover me under SCRA guidelines .the lease was terminated XX/XX/XXXX. The company reported the fraudulent debt XX/XX/XXXX. Over a year later. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
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: A charge of {$600.00} from XXXX XXXX ON XX/XX/22 was disputed because I returned the product. The company got my returned and promised me a refund. I contacted chase bank. They said the tracking was invalid. I RESENT the tracking because it was entered in the system incorrectly. Chase said they will research Chase never research they said I never sent in paperwork, and I DID XXXX.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: During the recently ( XX/XX/2022 ) concluded cycle, Chase Sapphire Reserve did not apply the month 's returns and adjustments to the purchase balance. But instead applied the returns and adjustments to a previously established My Chase Plan ( an extended payment plan ) balance. As a result, the payment I am expected to make next month is inflated by the amount of returns and the My Chase Plan balance is deflated by this amount. Consequently, what would have been an 18 month My Chase Plan payment plan, will now be for a period less than 18 months. Upon noticing this, I called Chase Customer Service and spoke with a Supervisor who accepted and agreed with my claim but said that thats the way the plan has been designed by Chase. The supervisor claimed that Chase is unable to determine where to apply the returns!! That is clearly untrue as Chase knows very well of the original purchase transaction ; the returns should have been applied to purchase balance and not to the My Chase Plan balance. When I pointed out to Supervisor of a hypothetical situation of a return of XXXX against the original XXXX purchase, the Supervisor candidly agreed that I would be paying of the My Chase Plan balance because of the incorrect and egregious business practice being conducted by Chase.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Company issued check for monthly rent of XXXX and made out to the name our landlord 's company and was dropped at the post office on XX/XX/22 and deposited and withdrew from our account the following day XX/XX/22. On XX/XX/22 we become aware that the check did not arrive at the payees address and was endorsed by an unknown person. Personally went to our bank branch the same day XX/XX/22 to fix issue and was advised to contact police and sign a " Declaration of Unauthorized Endorsement or Altered Item ''. Both actions were done. Constant follow up bank visits, bank phone calls, and emails to XXXX detectives were made and no progress on the issue. Our bank sent an letter dated XX/XX/22 stating that given that no progress has been made the issue would be closed against our favor. No more information was given except that the last communication between banks involved were XX/XX/22.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: {$1000.00} in XXXX chase accounts being held by bank. Cant access funds wont give money back
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for XXXX and it clear at XXXX on Monday, XX/XX/2022. The bank is refusing to release the funds until the XXXX. I am sick and need meds and have to pay my rent. I have never bounced a check or had anything negative occur with this account. First they lied & said they didn't get the funds. Now they are still claiming they didn't get the funds. XXXX XXXX XXXX XXXX XXXX insists they paid them days ago on the XXXX @ XXXX. The bank refuses to release my funds until the XXXX. It's xmas and I can't even buy my mom and dad a XXXX card or a gift. The bank is doing this to me and should not be allowed to get away with this. I need my money immediately!
Company Response:
State: NY
Zip: 14020
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase Amazon Credit Card : I have used and been a member of this institution since XXXX. I have always been in good standing with XXXX delinquencies. Recently I agreed to a {$10000.00} balance transfer with available credit with a 4 % transfer fee. The issue arose with misleading information regarding subsequent purchases using this card including but not limited to automatic charges to Amazon and other vendors. Per conversations with XXXX customer associates had ( XX/XX/XXXX Aprox ). As well as XX/XX/XXXX As I can try to explain what they said is : Following balance transfers any purchases following a balance transfer, interest on purchases are immediate, and do not have the statement period to pay off. ie Use the card today to buy something interest is being charged immediately. I would not have agreed to such erroneous terms. I received a letter that is even confusing which it states you loose the intersect free period for new purchases, the way that it was worded appears to mean the promotional 0.00 % that was for the balance transfer, not the normally expected statement period. Which is not interest free as it is compounding daily and failure to completely pay the full amount at statements end will result in all compounded interest to be applied.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A