Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ive had XXXX payroll checks deposited into my account. Each of which they have placed holds on my account and the check. They have just taken every XXXX from my account saying the funds weren't available. I have gone to the branch and they refuse to help and i have spoken to XXXX loss prevention supervisors over the phone XXXX of which hung up with me. Ive requested to speak with a department manager and have yet to receive a call. Ive been told multiple lies and they have not resolved the problem. Im looking to hire a lawyer to resolve this issue for time loss and also damages because they have taken my money that i have worked for, how will i pay my bills, my mortgage?
Company Response:
State: FL
Zip: 34266
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I escrow my taxes and insurance specifically so I don't have to worry about them being paid at the end of the year. My lender is JPMorgan Chase Bank. This year they did not pay my home insurance and it lapsed. Once I was notified of this I had to find a new insurance. At this point 12 days had already gone by. Then I received a letter that Chase was going to charge me {$900.00} for the 12 days of lapsed coverage.. I called on XXXX separate occasions, each XXXX weeks apart to speak to someone who said the filed a request to waive this. Each time I was told I would be called back within 10 days ( no one ever called me back ). I tried to get insurance for the 12 days on my own but no insurance company would insure me for past days. The whole situation is ridiculous because no insurance company would pay out anything anyways if I filed a claim and said it happened within those 12 days. This is completely the fault of my mortgage company who failed to do what they were supposed to do with my escrow money. They collect all the interest on me prepaying my escrow and then they never paid the insurance company and they take it out of my account as a penalty afterwards. I feel like my mortgage lender is bullying me.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We recently made two charges on our Chase Freedom Unlimited to pay someone using XXXX. Both charges were assessed a {$10.00} " cash advance '' fee. I complained to Chase, and they refunded one of these charges but not the other. Chase does list a {$10.00} cash advance fee on the page that lists fees for the card : XXXX XXXX XXXX However, there is nothing on that page that suggests that XXXX or similar services count as a " cash advance ''.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a victim of cybersecurity since XXXX. In XXXX, I had been XXXX in my home and suffered XXXX XXXX XXXX Soon after, I changed my accounts after several checks and withdrawals which I was only partially awarded. I'm owed {$1100.00} from this occurrence from last XXXX. Without asking, the man at the bank chose I start a new account, and never had given what I was owed. I had reported 12 months of fraudulent claims, but not even half were answered although 12 months consisted of a false transaction every month. I had a fraud alert added in XXXX, after being denied thousands. I wasn't the same person after my XXXX XXXX until the end of XXXX, when viewing my XXXX account and seeing 20 straight days consisting of over 400 false transactions plus the fact a new account had been opened and I had to learn it through XXXX. When I called them, I could tell they were caught off-guard and hadn't seen this yet. I asked of a new account, which they denied on the phone and my next visit to the bank. This happened again another month later, but I've been unable to call out, access my XXXX app, or my XXXX account besides a very few times. I can't remember how long since my XXXX has been accessible, my XXXX account took 4 months until an affidavit to the FTC, and there I learned of two more accounts that had opened. I called and stayed on the phone for an hour each month, unable to see any statements of their wrongdoings until finally finding a ride to the bank by my friend. It doesn't matter how many times I tell them of these false claims they never tend to answer them so then I decided to buy XXXX XXXX in XXXX to show my biometrical position. I rarely leave my home, and there are charges nearly everyday showing on my statements. I only claimed the ones I know were not me, and I bet there are plenty more. I don't have any idea of why I should have to be charged to pay off other accounts with my sole account either
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX in fees that were fraudulent on my kids banking transferred online from my account to theirs from various vendors such as XXXX in an online way not by my self authorized or by my children the bank researched and reversed and unreversed edit causing me to overdraft and will not refund my funds, reinvestigate claiming they are my charges, refuse to speak, or allow me to appeal. most charges are insufficient bank fees as well. i was laid off, realizing this happened over months.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: an inquiry for XXXX for JPMCB Card services this was done without my knowledge or consent.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022 I authorized Chase to pay a bill recipient XXXX via online bill pay. Chase debited my account and according to its system sent a paper check to my bill recipient. The recipient says they never received the check. Chase refuses to provide me with any information to show the recipient has actually cashed or recieved the funds from the paper check. The only documentation Chase will provide me is a proof of payment that is limited to showing that I initiated the payment and an estimated payment date. I can't get any information as to whether the check was cashed, by whom or into what account. I spent XXXX on the phone with customer service and various departments and in the branch. While the fraud department did tell me that they could see the information as to what acct cashed the check that they could not directly send me that information and sent me to customer service, who told me proof or recipes information was not available. I want to be able to direct my bill recipient to where the check might have been cashed and only Chase knows that information and they won't tell me, despite having taken the money from my account.
Company Response:
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: JPMCB CARD XXXX XXXX XXXX NA Both of these accounts are in violation of 15 USC 1681C2
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received a alert from chase Bank about a address change on my credit report. When I looked there are 3 addresses on my report. The one in XXXX and XXXX are incorrect.
Company Response:
State: IN
Zip: 472XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A