Date Received: 2022-12-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: After terrible customer service and following all of the needed steps within a short given time period instructed by Chase Auto to provide full payoff on my Auto Lease, Chase has failed to provide the final Vehicle Title document in a timely manner prior to the lease expiration date of XX/XX/XXXX. After many phone calls from myself to the customer service center and from a local Chase branch manager, Chase Auto informed us there is no records on file - either that states the vehicle was placed in my name and no general copy of the title transfer. They informed me that the record was sent in regular USPS mail on XX/XX/XXXX and that I should receive within 10 business days - It is XX/XX/XXXX and I still have not received my vehicle title in the mail as they suggested. Full Story, Dates and Details On XX/XX/XXXX, call to Chase Auto to request a second lease extension on my XXXX XXXX XXXX due to a delay on the availability of another used car I'm looking to purchase. My first lease extension was set to expire on XX/XX/XXXX. Chase Auto representative advised me that I was unable to request another lease extension until 1 month out from the lease expiration date. I was told to try calling back to request an extension on XX/XX/XXXX. On XX/XX/XXXX, I call Chase Auto customer service back and ask for a second lease extension. Chase Auto only allows one lease extension to customers so the representative asked what was the reason for the request and I explained it was purely due to a delay on the other car I'm looking to purchase. They submitted the request and informed me that I would hear back within 1-2 business days of the result of the second extension request. On XX/XX/XXXX, I was told that one additional month could be available to me but not a full XXXX month extension. That unfortunately is not long enough so I requested for information regarding what the payoff amount would be on the car and process information to go that path if a lease extension is not available to me. The representative transferred me to another department where they gave me information regarding the full payoff amount. I requested the paperwork for payoff be sent to me via email and through postal mail. They informed me that would take another XXXX business days to get it in the postal mail and a couple days to receive the information via the Chase online message center ( but they wouldn't send any correspondence to my direct email ). Checking everyday in my physical mailbox and logging on to my Chase online account to find the requested payoff documentation and forms- did not receive this important information until another week later, on Monday, XX/XX/XXXX, in the online message center. After reading the paperwork and read that payoff funds should be received by XX/XX/XXXX - I immediately gathered the funds for the full payoff ( which includes state taxes and fees ), and had it deposited into my personal Chase Checking account for Chase Auto immediately. Chase Banking ended up placing a hold on the deposit as of XX/XX/XXXX, not allowing the money to be made available immediately for the payment back to Chase Auto. I went to my nearest Chase branch to help me figure out how to approve and clear the funds in my account. This took one full business day on XX/XX/XXXX for the branch manager to help get it approved. On XX/XX/XXXX had the branch manager make a cashiers check for the full payoff amount of {$20000.00} and he had it sent overnighted via XXXX for Chase Auto to receive by XX/XX/XXXX - a day before the payoff due date of XX/XX/XXXX. No confirmation of the funds were received. No communication directly from Chase Auto on next steps. A week later on XX/XX/XXXX, I call to confirm how the title is being sent. They said they take up to XXXX business days to process the funds for the payoff prior to releasing the vehicle title in my name. On XX/XX/XXXX, I called Chase Auto again and they informed me that they cleared the funds and they already sent the Title in regular postal mail and that I would receive it in XXXX business days. I asked why a title was sent in regular mail and not expedited and they informed me it was because I didnt leave a FedEx account number on file, otherwise they dont do that on behalf of the customer. Chase XXXX failed to inform me that was an option available to me. On XX/XX/XXXX, the date that I was expecting to have the title in time by, I proceeded to return back to my local Chase Bank branch to see the branch manager who helped me through this process to ask if there is anything he can do on his end to give me documentation that the cashiers check was received and cleared on Chase Autos end. I received a cashier check receipt showing the funds cleared and was deposited by Chase Auto on XX/XX/XXXX. The branch manager called Chase Auto and asked for confirmation that the title was sent out. The branch manager was informed the vehicle title was just sent out that day on XX/XX/XXXX. He proceeded to ask on my behalf if there is any documentation at all stating the vehicle was transferred into my name or if they have any copy of the title on hand. Chase Auto confirmed they did not. Once the payoff was received, they immediately sent out any record they had out to me and have nothing on record at Chase Auto group. Today, XX/XX/XXXX, I still have not received any information or the final vehicle title documentation from Chase Auto directly. This should be immediately rectified solely by Chase Auto for failure of timely services and improper handling of personal property.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hello. Ive been reviewing my credit report and there are 2 hard inquires made on my XXXX report that I didnt apply for, showing as ( JPMCB - Card Service ) How do I get this removed?
Company Response:
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 my JPMorgan Chase account was scammed and the bank refuses to refund the money. Chase imposters scammed me via my online account for {$3300.00} via a wire transfer. I realized it was a scam, I immediately contacted the bank and advised. No action was taken to stop the wire transfer. I went into the bank and they froze my account and I filed a police report. After the claim was denied by JPMorgan Chase on XX/XX/22 I was advised to reach out to the wire transfer department to recall the funds. They made several attempts by sending an electronic request to the other bank, which we have the name and the account holder 's name. Chase bank advised that the other institution, XXXX XXXX did not respond to their request to return stolen money, and both institutions do not appear concerned about the theft. Chase bank 's response was for me to contact the other bank, knowing they will not service me since I am not an account holder. Upon calling, that is exactly what I was told by XXXX XXXX, they can not not assist me. Here we have XXXX institutions with fraudulent money being transferred between them and there is no recourse for the consumer. This is unlawful and they are getting away with it, the institutions take no responsibility. Appears to be something for law enforcement to look into more. I attempted to find out what law enforcement does, and it appears they don't get involved with the bank, I just need to file a complaint with them so it's on file, but nobody wants the police report now that I have it. I'm not the only person that has been a victim of scammers, so there is a lot of money being filtered through a lot of banks and no one is doing anything to stop it. Thank you
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: we was asked to invest in XXXX, a friend and i invested {$52000.00} over a period of time, the money was sent to a fraudulent account that had been cloned, i have all the account numbers and transactions screen shot and saved starting in XXXX or XX/XX/2022 XXXX
Company Response:
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
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: On XX/XX/2022 I made reservations for a round-trip flight for XXXX people with XXXX and United Airline XXXX XXXX to XXXX on XX/XX/2022 and XXXX to XXXX - XXXX XXXX XXXX on XX/XX/2022. See exhibit A for details. On XX/XX/2022 I cancelled reservations within the XXXX hour time frame. On XX/XX/2022 XXXX confirmed my timely cancellation stating that XXXX payments of {$1000.00} will be credited back to my Chase XXXX XXXX XXXX XXXX within XXXX days. See exhibit B. To date I have been charged XXXX times for the {$1000.00} and credited only XXXX My Chase statement from XX/XX/2022 shows XXXX charges for {$1000.00} and XXXX credits. See Exhibit C. I have filed several disputes concerning this charge, the most recent on XX/XX/2022 claim # XXXX and have had XXXX feedback from the creditor concerning this. On XX/XX/2022 I called XXXX, once again explained the situation, and was told to upload documents. I was also told that a temporary hold was place on the {$1000.00}. On XX/XX/2022 I uploaded a letter with attachments. See Exhibit D. I now add to that letter of XX/XX/2022 Exhibit C from your own website which clearly shows that I was charged XXXX times and only credited XXXX. I do not owe this. There is no question that the re-bill from United needs to be reversed.
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, I was the victim of a XXXX scam in which another person coerced me into sending XXXX dollars through XXXX for a " refund '', by sending me an email under the guise of XXXX claiming overpayment by one " XXXX XXXX '' and need for me to refund money to him by sending it to him through XXXX. I recognized the scam after the XXXX dollars was sent, when a second email was sent to me by " XXXX '' asking for more money to be " refunded '' to " XXXX XXXX ''. I immediately called Chase and alerted them of the issue. They did not reimburse me for the loss.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In accordance with the The Fair Credit Billing Act of 1974 the XXXX XXXX statement regarding double billing is attached. XXXX XXXX was presented for settlement. This personal statement is being provided regarding the XXXX XXXX transaction solely. This does not authorize anyone to contact XXXX XXXX or act as a representative of the account holder. Chase bank card XXXX was not authorized for completion of this transaction and it was never presented to be physically swiped for settlement with this merchant. Duplicate billing has occurred and all billing should be removed from card XXXX. This is a request for the proof of the authorization date and time of card XXXX being swiped at check in or check out.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CHASE/SLATE XXXX, solicited me for PRE-APPROVED CREDIT. On XXXX XXXX I submitted application for credit. I called Chase credit card department about the status of my application, I was told that credit was denied. I then asked the agent to delete my personal information and not to sell it. CHASE CREDIT CARD DEPARTMENT refused to delete my personal information and not to sell upon my request. This denial happened after the initial agent I spoke with spoke to someone that directed the agent to refuse my request. I ask why they won't delete the agent on XX/XX/2022 at approximately XXXX and was told that they will not delete my information because I was denied credit.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX have a personal & XXXX account with Chase Bank. Yesterday morning after multiple failed attempts to pay bills. I double checked my account via the Chase app. To my dismay I see that my account has a negative balance of {$49000.00}. I contacted Chase to find out what was going on. To my dismay my account was frozen. It appears that Chase has allowed a Garnishment on my account. I stopped by a Chase branch to pick up a copy of the order. To my surprise the order is not mine. The XXXX order has listed a social security number which is not mine and a name that is not mine. Also this order has business listed that I have never been associated with. There is a section that has a name similar to mine but not mine. The Attorney who ordered the Garnishment listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX not associated with me or my business. With that being said my business is not a XXXX but an XXXX. It's is its own entity. Which is protected from anything to do with this other person. It appears the the garnisher thought by listing a XXXX that it would make it easier to gain access to my accounts. Again Chase should have never allowed this account is its own entity. None of the personal identifiers match including social security number names or addresses. This should have been a red flag to Chase bank. This needs to be rectified immediately. Also this court order was issued by a court outside of my home state which is XXXX. A New York state XXXX XXXX should not be enforceable. My other account business is for an LLC based out of the state of Wyoming. Again a XXXX XXXX XXXXXXXX order shouldn't have been enforceable. Also myself nor my business has never done business with the company who sent the Garnishment order over to Chase. That companies name is XXXX XXXX. However Chase is at fault for not questioning the information they were provided.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A