Date Received: 2022-12-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2022 XXXX pm Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me XXXX times while I'm at work from XXXX XXXX to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In the year XXXX I requested an automatic payment plan be put in in place on my credit card. The customer service representative, I assume, made a mistake and the payment was not processed. In addition, the address was changed to a wrong address. As a result I did not receive account statements and was unaware the payments were not being applied until they were over 60 days late. Only after balancing my checkbook did I discover the bank had failed to draft my account. I called customer service a second time. I found out then about the erroneous address and asked that it be corrected. I asked a second time for an automatic payment be placed on my account and was told it was successfully put in place. I was also told by customer service that because it was the fault of the bank my credit report would not be affected. I made a payment by phone for the outstanding balance. After balancing my checkbook again I discovered the bank had failed to process the automatic payment the second time and I was over 60 days late paying the account. I called the bank again ( a third time ), found out the erroneous address had still not been corrected and asked again that the automatic payments be processed as agreed. On this third attempt the customer service representative was successful at implementing the automatic payments. The address change was not correctly performed this third time but I moved addresses a few months later and that address was correctly changed. At this third phone call I was reassured by the customer service agent that this was the fault of the bank and my credit report would not be adversely affected. I have tried to fix the erroneous reports with the bank on multiple occasions. I have since been told that although the address was incorrect I still should have received the statements ( that defies logic in itself ) or that the bank received the statements returned ( again, that would be out of my hands ). I have also been told that the company DOES NOT perform automatic payments even though the account has recently been paid off in full using exactly that process. I filed disputes with all three credit reporting agencies in XXXX. Chase took over 30 days to respond to my request. For that reason alone the bank should honor my request to have derogatory information removed from my credit account.
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: After speaking with XXXX XXXX today ( XX/XX/XXXX ), I was informed, and assured that ; JPMCB-CARD SERVICES has no intentions on : obeying, applying, agreeing upon, respecting, incorporating, accepting, implementing, recognizing, and they definitely has no intentions of executing, the Laws of the Land that's designed, and to protect the consumers, from such Creditors/Debt Collectors like JPMCB-CARD SERVICES! Instead they're literally trying to : con, bully, frightened, pressure, harassed, intimidate, swindle, and definitely trying their hardest to, demand that I pay ; a past debt that has been deemed/declared Judgment Proof, legally uncollectable, unenforceable and now considered an old debt ( due to the statue of limitations/time barred debt, which is four years in Texas )! Something is very wrong with that scenario there! They knew this was : a lost cause, and attempt every since, XXXXXXXX XXXX XXXXXXXX! My previous legal representatives ( XXXX : from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) had informed them of this, and sent them a cease, and desist letter! How can that same debt ; be all of the, above listed things, and they also be free, to insist/demand that, I pay a past debt, with all that excessive baggage, and legalities surrounding it??? Out of all the past debts/accts, that XXXX had attempted to address, and handle on my behalf! Just two surrender, and let the law be the law : by recommending that, all three Credit Reporting Agencies, remove that negative, inaccurate, harmful, deceptive submission, and illegal reporting from off my credit report! That was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX Bank ) ! About three or so months ago, the same thing happened, in XXXX case! If they allowed, and or told XXXX to do such thing! Then why wasn't that same offered, and approval given to XXXX, and XXXX as well??? At least that would had been, from the customer perspective : the more moral, and righteous thing, they could have ever done!
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In mid XXXX, I discovered my Chase Freedom card was stolen and someone had made unauthorized charges on my account. After finding out on XX/XX/2022, I immediately called Chase and informed them of this. I honestly have no idea who stole my credit card and made such purchases on my account. Other credit cards, including my XXXX XXXX XXXX and XXXX XXXX XXXX were also missing from my wallet, and I called into those credit card companies as well. After nearly two months of absolute silence from Chase, they have partially refunded some of the charges made on the account but not all. Specifically, I somehow " benefited from this transaction '' despite me not making the transactions on the following purchases : XX/XX/2022 | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX | XXXX XXXX Again, to reiterate, my credit card was STOLEN and someone had used my credit card to make the above fraudulent transactions.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Chase Business has the worst customer service. They continually hang up on you and all their calls are directed to XXXX. They are XXXX and really really rude. I've had them hang up on me twice, put me on hold and not come back for XXXX minutes until I finally hung up. They always say that there system is slow. I '' ve made XXXX calls in the XXXX days I've had the account. We have our accounts tied together business and personal and they get them mixed up when we call. The problem is that they keep putting my bill payments on hold. When I call back to confirm I have to go to XXXX or XXXX different departments and no one can give me the right number. I even emailed them and they gave me the wrong number to call. It's just awful. I wish I had stayed with XXXX XXXX. I've spent at least XXXX hours a day since I opened the account in the last XXXX days. No one can tell me why these simple payments keep getting held up. I hold XXXX mortgages with this XXXX XXXX XXXX. I set up an a monthly occurring bill. They called separately on each one without checking that they were all going to the same company with different account numbers. When they called they asked me what kind of information did I have to show that these needed to paid. This is XXXX, because XXXX mortgage was XXXX XXXX XXXX. The problem with this is that it takes XXXX minutes to verify XXXX simple payment.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 at around approximately XXXX XXXX time I sent yet another complaint about bad service. The response I got was that there were XXXX payments that were being held for suspicion of fraud. When I called the number I was told someone had tried to call me on this. I said that is untrue because I have made multiple calls for the past 5 days. When I told her I was going to record this so I'd have proof she hung up on me. This was on the same day between XXXX. Before that she said the accounts were suspicious because it was a new account, then when I told her it was a billpay that I had made before with the same payee but in a different amount she then said it was because of the name. Well, we pay from one account, but the the mortgage is in another name. I asked is there somewhere in the records they can note this so it doesn't happen every single month. She wouldn't answer and kept saying fraud protection and suspicious. I could never get her to note this on the account. This transaction took XXXX minutes and XXXX seconds. I've had XXXX calls of this same nature. I can't keep doing this for every single payee, every single month. I can't get anyone to work with me to make this a smooth transition. With XXXX XXXX you could change the name that you were sending it in so you don't have this issue, but Chase doesn't have this option.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is to inform you that JPMCB CARD SERVICES unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. JPMCB - CARD SERVICE 10/13/2021 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a notice in my email yesterday about my credit score went down due to an application for a credit card that I never applied for it was on Saturday XX/XX/2022 I was at work at the time of this application
Company Response:
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited {$3000.00} in cash into a drive-up ATM at a Chase Bank branch in XXXX, Washington on XXXX XX/XX/2022 XXXX pacific time. In the middle of my transaction, the ATM machine malfunction and rebooted. It then spit back out my card but no receipt was printed. I checked my balance and nothing show indicating the deposit I just made. I took pictures and a video of the ATM screen and then called customer service while still parked in front of it. They told me that their Claims department handles that type of issue but since it was after hours, they would not be open until XXXX eastern time and I would have to wait until then to call. I call the next morning, XX/XX/2022 at XXXX pacific time to file a claim. I gave them the exact time it happened and the increment of my deposit. I was told by the claims rep at that time that they should have it resolved my money should be available after 1-2 days. I patiently waited until XX/XX/2022 and nothing has been credited to my account, so I called the Claims department again. The rep I spoke to at that time kept giving me the run around and said that I just have to wait another 1-2 days. I then got a little upset and asked to speak to a supervisor. When the supervisor got on the line, he told me that since that ATM was service through an outside source, that it would take longer for them to investigate. Which made NO sense to me since it was their branchs drive up ATM. He told me that there was nothing he could do and I would just have to wait. I went to that branch when it open at XXXX pacific time. The branch manager tells me that they do not service the drive up ATMs only the ATMS inside the branch and that she can not help me and that I have to wait for their Claims department to handle it. It is now XXXX XX/XX/2022, I tried calling the Claims department, again, to check on the status of my claim and was told to wait another 96 hours. I feel like they had just stolen {$3000.00} from me.
Company Response:
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi my name is XXXX XXXX. I have a business checking account with chase bank. I recently deposited some checks I received from the company I'm doing work for. I deposited checks the week before XX/XX/22. It had to clear on the XXXX but since I deposited other checks the day before the XXXX the bank froze my account for supposedly fraudulent activity. They still froze all my accounts even after I verifies everything with the bank and the company I work for. This was my only account for my business and all my money was in my account. Now I'm losing days I could of worked because I have no funds to pay for my materials, equipment or employees. Chase bank doesn't want to help me at all to release any funds.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A