Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, [ JPMCB CARD XXXX ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
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 have filed a dispute with XXXX, and XXXX on multiple occasions and they have not been able to successfully verify this debt. My wallet was stolen and this card was used leaving me with a balance {$2300.00} it has now been charged off as bad debt.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a home mortgage with Chase for many years, and have always paid on time. Then around XXXX this year Chase informed me that I had missed a payment, so I called them and discussed it, and learned that they were saying a payment I made was " returned. '' This turned out to be check # XXXX dated XX/XX/2022, for my XX/XX/XXXX rental payment in the amount of {$1000.00}, and I found out from my bank that this was debited by Chase on XX/XX/2022 in that amount. I explained this to Chase and thought it was settled, but then Chase started double-billing me. So I spoke with them again around XXXX and at length in XXXX or early XXXX. On XXXX XXXX, 2022 Chase sent me the bill due XXXX XXXX for {$1000.00}, but then on XXXX XXXX sent me a bill for {$2100.00} due on XXXX XXXX. I kept paying the {$1000.00} for XXXX, XXXX and XXXX, but I was sent another bill by Chase on XXXX XXXX saying I had to pay {$2200.00} by XXXX XXXX, so they were double- billing me again and adding late charges. Finally on XX/XX/2022 Chase sent me a letter admitting their error, writing : " On XX/XX/2022, we received your check for {$1000.00}, which we applied to your account as your XX/XX/2022 payment. We applied these funds effective XX/XX/2022 '' -- but the truth is Chase received this check on XX/XX/XXXX. Even though I was always up to date, on XX/XX/2022 I received an e-mail from Chase saying my " payment is past due. ''
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX around XXXX XXXX I received a phone call from someone who said he was a XXXX technician who apparently was at my home address to disconnect my services. Few weeks ago I received a final notice from XXXX about my bill, but I was able to push my payment a few weeks farther. I said that I fixed the situation and the person told me that he was " just a technician and if I need an assistant I have to call the office by the number '' he provided. The phone number provided by the " technician '', who came to turn off my service was XXXX XXXX XXXX Extension XXXX. When I called the number the person who picked up said that I was calling XXXX and I am on the recorded line. He said my balance was {$490.00} and due to no payment received they started turn off process ( I remember owning a bit over {$300.00}, but thought that this is updated amount after few weeks ). He told me to stop disconnection I either have to go to physical XXXX location with personal check for this amount or I need to send XXXX to the manager handling the case. When I asked why I can't pay by card which they have in the system, he said that the process for disconnection is active and now different department handling this case, so this is the only payments they accepting at the moment. He told me if I will decide to go in person to pay my bill, unfortunately at the moment they will need to disconnect my electricity and because it's Friday, it will take 2 business days to reactivate my services, so if I want to resolve the problem now, I have to send XXXX payment to the manager. The " representative '' asked me to XXXX {$490.00}, using XXXX payment code which he asked me to put in memo XXXX Manager- was a recipient. Then he said there was a mistake and he apologized. I needed to put space between XXXX and XXXX, because they don't see the transaction ( I do not use XXXX that often, so I do not know how it works ). But so the transaction would go through, I need to round up the amount to {$490.00}. I said it was his mistake that he didn't give me correct instructions. He said that this is my refund number XXXX for {$490.00}, which I will receive in 2-3 business days. After this transaction he confirmed it went through and then he asked to send another {$1000.00} to get a confirmation number and to make sure my services will be reconnected for me. He also said that this is only a deposit and it will be refunded to me by the end of the day. I asked him : " since when is XXXX asks for any deposit and that I don't feel comfortable to send such money via XXXX. '' The " representative '' got rude and he told me that if I want the service to be up and running this is my decision to do it right now or go directly to the XXXX office. I was at work busy, on the phone with this person for like XXXX min, I had to be back to work and wanted to finish this conversation and fix the issue as soon as possible. The person on the phone started to put pressure on me. Then I asked him to give me my account number. He said XXXX ( I didn't have a bill with me with all the information, so I couldn't check ). I also asked to repeat his name and give me his employee ID #. He said his name is XXXX XXXX and XXXX, his employee number. He repeated that I am on a recorded line and that I do not need to worry and this is only the procedure they normally do. I send another {$1000.00}. He said he didn't receive anything and asked me to retry but this time {$1000.00}. Of course it didn't go through as I sent all my money at this point. I was so overwhelmed and couldn't think straight. He was asking me if I have another bank account and this is when it got super weird. I asked him to repeat my refund number which he gave me earlier and he couldn't repeat it ( but before he really took his time making sure I wrote all the rest of the information correct ; he even spelled his name and employee number a few times, when I didn't write it down correctly ). He said to call tomorrow morning to XXXX ext XXXX at XXXX XXXX or if I can't call that earlier than dial XXXX XXXX XXXX. He also provided a reference number XXXX to open a petition for refund. I was so lost and felt so sad as I just paid money which I technically didn't have ( I had to transfer it from my business account ; this was money for my business rent, which I needed to pay today, XX/XX/XXXX ). I was busy with clients until XXXX XXXX. In between, I asked my husband to check a bill and send me the account number which was written on the bill. Then I saw that the number was different from the one the person on the phone provided me. What is the coincidence that the amount they asked me to pay was close to the one I owned and that I really received final notice a few weeks ago. That's when I realized it was a scam. I called immediately to my bank to dispute those charges ( they still were pending on my account ). At this point ( 3 days after ), I spoke several times on the phone with my bank, I spoke to a representative in person in the nearest bank and I spoke on the phone with XXXX as well as filled the scam report with them. All the institutions told me that the inquiry can not be resolved and that I lost my money. But is't the consumer relationship with the bank should be build on trust? Can I trust my money to any financial institution if they can't protect them? I really hope you will be able to transfer me to the person who can handle this case and actually help me to return my money. Thank you! Sincerely,
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022 my computer was hacked by a scammer who gained access to my Chase Bank online account. Realizing what happened I promptly contacted Chase Consumer Protection and Fraud Customer Service. Several phone calls were made by me and recorded by Chase notifying them that I did not authorize a transaction that was made moving {$10000.00} from my Savings account to my Checking account. I informed the agent ( s ) that my computer was hacked and that all my online accounts must be shut down immediately to prevent any additional transfer of money. My online identity and my wife 's online identity at Chase were changed and I was told that would protect us. Despite being notified of the scam and asking that my accounts be shut down, onXXXX at XXXX XXXX Chase negligently sent an International Wire transfer from my account in the amount of {$10000.00} to an unknown individual. I have made numerous telephone calls to Chase Bank Claims Department requesting they return my funds which I did not authorize to be wired. Chase has denied my claim saying they are not responsible for scams and had no information to know that it was not me who requested the wire transfer. However, they have a recording of my telephone calls 12 hours before they made the transfer explaining that my account was hacked and should be shut down. I feel Chase Bank was negligent in their fiduciary responsibility by transferring money from my account after being informed that a scammer gained access to my account, and I wanted all transfers frozen, and my account locked.
Company Response:
State: NY
Zip: 14534
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
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 have an Amazon credit card which is serviced by Chase Bank. While I have my debit card set as my default payment for all purchases, the payment method for some of the recurring payment subscription services, including the Amazon annual payment ( {$130.00} set to come out XX/XX/2023 ), XXXX XXXX ( {$5.00} monthly XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$2.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), and XXXX ( {$10.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), were changed from my debit card to my Amazon Credit Card. There are no conspicuous disclosures on the site which notified me that the default payment method for subscription services would change from my debit card to my credit card. I was not expecting any charges on the Amazon credit card, and have incurred some late fees ( my fault- I should have checked my statements ). I'm more concerned about how the subscription payment method was changed without me noticing. I changed the subscription payment methods back to debit for the Amazon annual fee today, but several of the subscriptions were already showing that the debit card was set up as the payment method even though the credit card was charged.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 602 states I Have the right to Privacy. 15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and I noticed several inquires on my report and I tried to dispute them and the credit bureaus are refusing to remove them.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been getting charged {$240.00} XX/XX/22, for Insurance ( not mortgage insurance ) on my home, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. I do carry insurance on my home and have since it was purchased ; XXXX XXXX XXXX XXXX. This has been communicated, repeatedly, to Chase, yet I am still seeing charges for an additional insurance plan from Chase. I have communicated this to them multiple times yet continue to see this additional charge on my bill.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A