Date Received: 2022-12-06
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Somehow sent herself {$2000.00} via chase XXXX on XX/XX/2022. Reported it to chase and was told that it was me who sent it and they couldnt help me any further. After further investigation on my own, I found out this person is from Florida. Answered my call and claimed that she never received funds- got scared and hung up. After mentioning this to chase they continued to tell me they could not help me. ( I talked to XXXX different associates at chase ) The scammer : XXXX XXXX - XXXX XXXX
Company Response:
State: HI
Zip: 96816
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An account application was opened for a XXXX credit card that I did not authorize on XX/XX/2022, from JPMCB. I assume this to be a fraudulent use of my information.
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have hard credit inquiries that I reported to the credit bureau XXXX phone number XXXX I told them it was fraud and they can not remove it unless I have a report the the inquiries that are fraudulent and this report is XXXX XXXX XX/XX/XXXX the next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX the inquiry happen on XXXX again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX The inquiry was on XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the date is XX/XX/XXXX The next report is XXXX The inquiry is XXXX XXXX XXXX and it was its XXXX XXXX XXXX, XXXX, TX XXXX their phone number is XXXX and this inquiry happen on XX/XX/XXXX The next inquiry is XXXX/XXXX the address XXXX XXXX XXXX old XXXX New York XXXX XXXX and XXXX XXXX XXXX is XXXX and this inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX number XXXX XXXX XXXX was XX/XX/XXXX The next inquiry is JPMCB Call the address is XXXX XXXX XXXX, XXXX DE XXXX the phone number is XXXX and the inquiry was XX/XX/XXXXXXXX XXXX XXXX inquiry is XXXX XXXX XXXX XXXX XXXX probably means Florida address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone number available inquiry XX/XX/XXXX Next inquiry is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX phone XXXX XXXX XXXX happen on XX/XX/XXXX And XXXX XXXX credit report the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX the inquiry happened on XXXX/XXXX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me a copy of the report
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I hired XXXX XXXX XXXX to create my website and app called XXXX XXXX. Through Chase Bank I sent two payments over {$8000.00} to this company. When my first payment XX/XX/XXXX was sent via XXXX to XXXX XXXX XXXX the payment was processed under the name XXXX. When the second payment XX/XX/XXXX was made XXXX XXXX XXXX then changed their name to XXXX XXXX and the payment was processed to XXXX. Their phone numbers changed several times. The XXXX XXXX XXXX was supposed to be available for download before XX/XX/XXXX and three months of marketing was supposed to be included prior to app launch ( XXXX ). In addition the matching website wasn't completed to onboard the contractors in order for them to work which would have needed to be up and running before XX/XX/XXXX. When I spoke with XXXX XXXX XXXX about my concerns that it was eight months and I still don't have a live website or app I was told that the person who works their and signed a document stating they would deliver my app, website with three month of marketing prior to app launch. The person no longer works there and he signed the document and they're not obligated to do anything. I reported the wire fraud to Chase bank. Ultimately, when I spoke with Chase bank in XX/XX/XXXX they didn't help they told me to deal with the merchant.
Company Response:
State: NY
Zip: 11357
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I used my credit card to pay for a XXXX XXXX transaction ( sending money through XXXX XXXX ). I chose to pay with the credit card because in the payment option menu on XXXX XXXX the fee was less than if using a debit card or paying in person. However, the bank charged me a {$10.00} " Cash advance fee ''. I believed I was using credit. XXXX XXXX gave me no reason to believe this would be anything other than " Credit '' if I used my credit card. However, the bank processed it as a cash loan from my credit card. The bank also did not show what the " Transaction Fee '' was about on the statement ; I had to write to them to explain what it was. Because of that, I made the same mistake 3 times and kept paying XXXX XXXX with the credit card. They refunded the first fee but they refused to refund the other XXXX. This is the message they sent me ( this is only part of the full message ) : " XXXX, after review, I confirmed that the {$19.00} XXXX XXXX charge on XX/XX/2022 was a Chase fee and can not be refunded. In addition, I see that we already adjusted most fees associated with your XXXX XXXX. Although the XXXX transaction fees left was declined upon careful consideration. We know this may not be the outcome you were hoping for today. We hope you trust our decision and efforts in serving your financial needs. '' However, previously they sent this message ( this is only part of the full message ) : " Also, we have refunded the {$10.00} cash advance fee that posted on XX/XX/2022. You will see this adjustment on your next billing statement. On the other hand, the option to submit a refund request for the cash advance transaction fee for the {$19.00} XXXX XXXX charge that was made on XX/XX/2022 is not available as of this time since the transaction is still pending. Once the fee posts, kindly reply to this email or call the number on the back of your card and we will be able to submit a fee refund request. Kindly also note that this kind of requests will be subject for review and approval. '' These are some of the junk fees that are in the process of being outlawed, and the bank was warned by me that I would be complaining, but they believe they are above the law.
Company Response:
State: NJ
Zip: 07205
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 when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I made several attempts with representatives of JPMCB account # starting with XXXX XXXX XXXX XXXX XXXX, DE XXXX Ph # XXXX, Over the phone the agreed amount was XXXX, and a settlement letter in writing would be arriving soon. They stated they sent out the letter several times in the pass 2 months However, I never received it. So, I went to the local branch and had agent XXXX call them to confirm the agreement they did and instructed him to collect the money and later report to the three credit bureaus that the account was paid in full. When I checked rep stated no payment had been posted.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: REFERENCES : CFPB COMPLAINT ID SENT TO CHASE : XXXX ( XX/XX/2022 ) XXXX Complaint ID # : XXXX ( XX/XX/2022 ) As a current Chase customer I tried to open a dialog about my attempt to refinance with them and their lying about the cancellation, documented by my CFPB complaint XXXX ( XX/XX/2022 ). After the lie stating that I canceled my refinance application Chase continues to send me information as to my estimated equity of $ XXXX after a request not to send it. I have sent XXXX secure correspondences to Chase corporate, the latest being XX/XX/2022 and they respond with an auto response " We'll respond as quickly as possible. We may send our final resolution by U.S.mail for your privacy and protection. ", no further secure contact, or mail, avoiding the subject- they have been given sufficient time to respond. It appears that like their staff XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who used the phone to obfuscate and avoid accountability, corporate Chase also avoids documented dialog when discussing their staff and deceptive policies. Apparently stating a lie, repeating it and then avoiding the subject is the Chase policy. In dialog Chase 's representative XXXX XXXX XXXX XXXX, lied to me over the phone and the conversations sounded like he had a personal bias, based on his final conversation he repeated " but it is dirty '' over and over, his concern should have been, do the numbers work or not. My response to his parroted comment on the well water stains was that addressing my old water system and remodeling the bathrooms was one reason for the refinance ( removing the problem ). I did not record what these conversations catching their lies as a result of how the conversations went I can not trust their staff. In addition during our dialog they sent me an email where they requested to contact my inspector, there was no record of their contacting the inspector. I had discussed the well water that had stained the walls with the inspector, so the staining should have been resolved if they had talked to him - that there was no documentation of contact reaffirms that this was a " XXXX XXXX '' strategy to force me to drop the application. As it stood if I had complied with inspection, cleaning / fixing I would have been further in debt and without assurance of refinance. I suspect that the deception was just XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who made the lie that corporate repeats, stating that I had canceled my application when I did not play into their XXXX XXXX by canceling they lied. Not sure why Chase would go to deceptive practices if there was a legitimate reason to deny my refinance it should have been in the numbers and documented, the phone conversations should have reflected options to fix the numbers- this was not done. I still do not know why Chase sent my mortgage to Florida to be processed since I live in Virginia, different laws, rules and possibly corporate friendly courts maybe? I had gone to their site to apply for refinance since I had a mortgage with them, they were aware of the location of the property. I am not sure about the effectiveness of legal action against them since deceptive practices as they executed by moving discussions from documented format such as email, letter to phone, is a grey area and possibly State dependent. For example if I had recorded the conversation Florida does not have single party consent, Virginia does. Chase sent my refinance to Florida where at least one law would conveniently enable deceptive practices and legal action could be costly. The verbal lies that were reflected in Chase 's response to the previous CFPB complaint and Chase is avoiding are as follows : - ) XXXX XXXX XXXX XXXX told me over the phone that they would accept the inspectors results regardless of the outcome. When the outcome was not what XXXX XXXX XXXX XXXX wanted he did not accept the inspectors reporting. - ) Chase in their response to CFPB stated that I canceled my mortgage application. I had not canceled it. - ) In an email Chase requested to contact the inspector, there is no documentation of that they did. - ) Chase implied that getting the inspection was my idea, it was theirs. I knew that the place needed work - hence the refinance. - ) Chase stated that I had agreed to clean/repair the facilities. I had not as repairs would have put me further into debt based on their word and I was suspicious of their intent as from XXXX XXXX XXXX XXXX it appeared to me to be a XXXX XXXX to force me to cancel by running my pre-refinance money out. - ) Chase responded to a XXXX complaint, XX/XX/2022 by continuing with the lie that I canceled the mortgage application. - ) XXXX non-verbal communication was an email from them was a request/permission to contact the inspector, the one who I had discussed the " well water staining '', they did not show any verification of communication with him prior to the lie. Damage caused by Chase - As I told XXXX XXXX XXXX XXXX then, my financial posture had significantly changed. I no longer have to cover my girlfriends medical and necessities since she has XXXX and social security now. She was nearly an invalid and I have XXXX so getting things fixed up required funds from the refinance. I had a decade of accumulated debt that included a new roof, sliding glass door, repairs after a tree fell on the house and major repairs to my vehicle. The refinance would have freed me of this debt and put me in a position to do proactive cleaning, maintenance and repairs on the house. Specifically my water system of XXXX years and to remodel the bathrooms for my girlfriend who is in he seventies and has limited mobility. If they had refinanced me I would have had {$3000.00} extra a month from my paycheck - lowered mortgage and no longer carrying unsecured debt. It would also have positioned me for retirement. Chase 's lies also cost me in the recent FED interest increases as those affect unsecured debt - making it harder to pay off. This year, instead of surprising my girlfriend and addressing XXXX XXXX XXXX XXXX 's " dirt '' I have had to focus on continuing to pay down the unsecured debt. Since I am a current mortgage holder and Chase 's actions have identified that they are not a trusted vendor, their policies are enabling or actively executing bias based, deceptive practices against customers. After this experience I consider my current mortgage payments as contribution to corporate delinquency. In conclusion there is no reason for Chase to avoid discussions, I still have a mortgage with them, the refinance would have been in both Chase 's and my best interests. The only conclusion for the lies and avoidance is discrimination, economic and my age in this case. Chase did not like the condition of the house even though the refinance amount was significantly less than their appraisers appraised value so they tried to force me to drop the application and when that did not work, they lied. I continue to receive promotions stating I have over a $ XXXX in equity, my payment history is good and I am still employed. Even if I retired the new payments would have put me within my retirement means. Because of their site sending my refinance application out of the state where the property was located has the appearance of shopping for friendly courts.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a chase checking account on XX/XX/2022. I opened this account in order to store funds and save up some money. I generally use XXXX XXXX a lot so I regularly send deposits to my bank account. Everything was fine despite having difficulties using XXXX to transfer small funds to cover a bill. The XXXX would flag my account and I would have to call in and verify everything in order to unlock my account. The representatives assured me that it wouldnt happen again but it persisted several times after. I made a {$2000.00} from my cash app to my chase. The money deposited and I had no issues. I tried to XXXX some money to my other bank ( BofA ) to cover a bill and of course it flags my account once again. I called in to unlock my account and the representative states my account has been restricted and would be closing within 10 business days due to fraudulent /suspicious activity. They stated that the XXXX XXXX deposits are flagged because it is coming from a different name. Yes I have my XXXX XXXX under my alias name. Lots of people do this. They stated I have to prove that I am indeed the alias send a form with both names and the source of funds is legitimate. Ok no problem I submitted my XXXX XXXX statement which shows everything the transactions and transfers to my Chase account. Unfortunately the branch made a mistake in sending over the documents twice! Wasting more time and I have been so patient and understanding. So the branch finally sends over the documents and now they state based off the notes the banker put my alias as a Business basically assuming my XXXX XXXX is a business account which it is not! I stated that from the first time I spoke with a representative and told the bankers several times. The representative told me I have to go back to the branch tomorrow and have the banker call the compliance department this was told to me today XX/XX/2022. So much mistakes on Chase I feel like a victim this is absolutely unacceptable. I will be going to the branch early morning tomorrow for the 10th time. Countless phone calls and I just feel like no one is trying to help. I need my funds they ruined my birthday because they are holding my funds hostage and I will not allow them to ruin my XXXX. My BofA account which I now use with my XXXX XXXX gives me no problems whatsoever. People use aliases all the time especially with XXXX XXXX the document I submitted even proves it. I will close my account after this issue is resolved and never use or recommend chase products or services.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Every other month, Chase keeps sending me an escrow analysis and increases my payment. Its getting ridiculous. My mortgage payment keeps increasing for no reason. I took a look at the escrow analysis and they withdrew payment on XX/XX/2022. I have no idea why they did this. I then took a look at the escrow and it states that they made a payment in XXXX and theres an expected payment in XXXX. My real estate taxes are to be paid quarterly, not monthly. I can not afford to make excessive monthly payments for real estate taxes. So right now, I have made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and an expected payment on XX/XX/2022 ( per the new escrow tax analysis ). I took a look at NYCs real estate tax website and it looks like the XXXX payment is applied to the tax bill due in XXXX. So if they are going to take more money from me in XXXX, where is that going to be applied to? Ive attached screenshots of the escrow analysis and the XXXX property tax website
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A