Date Received: 2022-12-01
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My social security replacement card was sent to a XXXX XXXX XXXX XXXX XXXX but was never received. I had trouble filing my income tax return in XXXX and my return was never received which may have been related to an identity fraud issue. My credit score seems to be unfairly low. I don't have a significant history of credit use. More recently I am getting suspicious SMS alerts from banks that I do not have an account open with to my knowledge. My mail was tampered with, a envelope sent from my mother was steamed open and a hand written note was stolen from the envelope. It's possible that I am being unfairly treated by employers who do a credit check because of fraudulent activity associated with my record, or social security number. To my knowledge, there is no reason why I should have bad credit. My credit should be ok. I might have to sue the credit borough to investigate if there are any false reports submitted. A false report about my conduct was submitted to the property manager of the apartment, causing the management to threaten eviction. It was a flat out lie. It's possible the social security administration was investigating me for fraud because at one point I was trying to work while still receiving benefits. If that's the case I feel like the person in charge of my SSD hearing may have violated my privacy illegally by allowing too many people to know my identity, location and that I was receiving benefits in XXXX XXXX of XXXX XXXX.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In accordance with the Fair Credit Reporting XXXX act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS ACCOUNT SHOWS INCORRECT TWICE IN MY CREDIT REPORT WITH LATE PAYMENTS _____________________________________________________________________ In accordance with the Fair Credit Reporting XXXX act # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS INFORMATION IS INCORRECT WITH ONE LATE PAYMENT _____________________________________________________________________ In accordance with the Fair Credit Reporting XXXX XXXX XXXX # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I NEVER HAD A COLLECTION WITH XXXX XXXX _______________________________________________________________________ In accordance with the Fair Credit Reporting JPMCB INQUIRIES has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I HAVE A TOTAL OF SEVEN INQUIRIES FROM JPMCB THAT I DID NOT MADE
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: JPMCB Auto is incorrectly reporting a late payment on my credit report. I never paid any of my accounts late and they have reported that I made a late payment in XXXX which is not correct. All my payment were made on time
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
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: To whom it may concern, Im writing to you because of issues that have existed with JPMorgan Chase Bank since XXXX of this year. I purchased a flight from XXXX XXXX to XXXX with my Chase Sapphire Preferred credit card reward points inside of the Chase Ultimate Rewards portal on XX/XX/2022 at XXXX. The total points reserved for this purchase came out to XXXX ( the equivalent value of {$450.00} ). Listing specific details about my purchase below for reference : I had to cancel my trip on XX/XX/2022 at XXXX XXXX and anticipated receiving the total value of my Chase points back to my account or the entire dollar value of my purchase. Neither of those happened and I immediately called Chase customer service to find out when the refund would appear on my account. A customer service rep let me know that I would see the full value of the refund on my account on my next account statement. Apparently, it just takes time. I then proceeded to call customer service at the end of the following month when the money was still not shown on my account. The Chase travel rep let me know she has record of me inquiring about my account, and the money will surely be on my next statement. I just needed to be patient. I then inquire a third time and am met with the same response and am offered no options to formally begin a dispute. I was frustrated, but told the only option was to wait it out. I call for a fourth time and beg for some action to be taken. One of the Chase reps opens a dispute on my behalf ( finally ). I had to upload documentation to support my claim to my Chase mobile account. Last week, I called Chase AGAIN to check-in about the status of my dispute and was told that the 180-day window for filing a dispute had passed and there was nothing they could do. This is insane as I was never formally informed about my options. I was proactive about determining my best next step, but I was met with no support from Chase 's side. I asked the customer service rep to transfer me to her supervisor which she did. I ended up speaking to XXXX who is a Manager at Chase. He told me that he will escalate the dispute on my behalf and I should hear back within 7 business days. Unfortunately, I heard back the next day that Chase declined my dispute without any information. I am terribly frustrated and am tempted to close my Chase Sapphire Preferred card or take Chase to small claims court for refusing to refund my purchase. I feel robbed and am hesitant to do business with them again. I demand that they refund the full amount of my flight to my Chase card immediately.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: A person supposed work for XXXX call me with my Account number and the amount we owe saying that if I dont make a payment tru XXXX XXXX will get electricity cut it off so I summit the payment and after that I fine out that I was a fraud
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give permission to anyone to run my credit report
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Southwest Airline 's website has a XXXX points after {$3000.00} of purchases within 3 months of opening a credit card promotion. On XX/XX/22, I applied for what I thought what that promotion. However, I applied as part of a purchase of airline tickets. I needed XXXX extra points ( I am a Rapids Rewards member and had enough points to cover the flight except for those ) so I bought those points. At that time, Southwest 's site asked me if I wanted to apply for a credit card ( it is a Chase card ) with a {$200.00} credit on my bill with the application. I assumed the promotions were one and the same - there was no explanation provided on the website that there were different promotions being offered at the same time- so I applied. I was approved for the card and received the card yesterday, Ironically, I also received a promotional mailer from Southwest the same day for the XXXX points promotion. There was nothing in the information I received with my card about the XXXX points promotion, so I called Chase and spoke with two different customer service representatives. According to Chase, the card is attached to a different promotion of XXXX points after spending {$500.00}. I called Southwest and spoke to three different customer service representatives. According to them, there is literally nothing they can do ; that Chase is the only company that can change it. I pushed them on the fact that it is their website with the promotion and they maintain it is not their fault ; it is my fault for not realizing it was a different promotion, and that I have to work with Chase.
Company Response:
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 I went to the ATM of Chase Bank located at XXXX XXXX XXXX XXXX. I tried to withdraw money from one of my accounts. I went there at XXXXXXXX XXXX so I could pay my utility bill early that morning. I had just received {$2000.00} from my XXXX XXXX XXXX XXXX. When I went to unlock my card it showed that {$1000.00} had been removed. When I put my card into the ATM it showed that it was not working. I waited until the bank opened and went in to speak to a banker. On my phone it showed a withdrawal dated XX/XX/2022 for {$1000.00} had been withdrawn. It showed my signature but I had not taken out any money. The banker checked my card and there was no activity on either XX/XX/2022 or XX/XX/2022. They told me that my ID was my passport so I showed them my passport. They actually asked me to fax it to them four times. I was then informed that they would not honor my claim.My bank statement shows I did not withdraw that money. I'm not really sure how it was done but I think I know who did it and they were not authorized to do it. I don't know how it was done and I had nothing to do with it at all. My statement shows I took nothing out at all. I feel the fraud department overlooked many things that showed I didn't do it. There are so many questions that I have and I have asked the bank to answer them for me and I have not received any answers or evidence pertaining to this. I explained it was not me and I had nothing to do with it. The fraud department then told me the decision was final. I feel they ignored a lot of evidence.Additionally why would they give me {$1000.00} when I didn't even have it. I think they would never give me any money if I did not have it in the bank.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
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: Dear CFPB and Chase, This letter is regarding the dispute : XXXX. I order the following with XXXX XXXX on XX/XX/2022 : -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 XXXXt They then XXXX the order into XXXX different XXXX showing on my bank statement as following : - {$560.00} - {$460.00} - {$330.00} - {$88.00} - {$14.00} I then received one item which is the XXXXXXXX XXXX XXXX on XX/XX/XXXX. I then waited for another XXXX weeks to see if they send me any other items. But no. I then contacted them to resolve the case, and after doing their own investigation they confirmed that they sent me the wrong item and then they sent me a return label with tracking number XXXX and XXXX XXXX XXXX : XXXX. On the return label, you can easily see the reason for the return is " Received wrong item '' for the items mentioned above ( see attached file for the return label and slip ). I then shipped it back to them on XX/XX/2022 and they received it on XX/XX/2022 ( see attached file for tracking information ). They then never processed the refund for me. I contacted them again but never able to talk to any one. I then file a dispute with Chase on XX/XX/2022 which is within 60 days of the expected day of delivery. Chase then sent me a letter on XX/XX/2022 requested for more information, which I eventually signed and responded on XX/XX/2022 ( see attached file for proof ). Then they called me on XX/XX/XXXX to requested for more documents, however, it went to voice mail, I then called them back and sent in the requested information on XX/XX/2022 ( see attached file for proof ). From that time to now I have not received any other communication from Chase. Today, XX/XX/XXXX which is 4 months after the expected delivery date, I called in to them since I saw the status online was still initial claim ( they have not even contacted the merchant ). They then told me that since it's more than 120 days, they can not dispute any more and they would have to close the claim and I have to be responsible for the amount. This is unfair since I submitted the claim with in 60 days of the expected delivery date. The problem is they never process that. All the agents and even the manager I talked too was not understanding the story and they all think that I'm trying to open the claim today. They then closed the claim without any research. Please help me with this dispute. I want to complaint that Chase has a very bad customer service and dispute department. Even thought I submitted all the needed information and evidence so clearly, they keep blaming that I have not submitted any thing and the things I submit were not clear enough. This makes me so frustrated. They have no idea how to process the dispute and help the customer.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A