Date Received: 2022-11-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account XXXX # XXXX has violated my rights. 15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 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: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Chase Mortgage refuses to help me with the payment I got assistant from Massachusetts state mortgage assistance for payment but Chase keep refusing to send them the document they asked for for about XXXX months now. Chase mortgage account # XXXX Address XXXX XXXX XXXX XXXX Ma XXXX Name of account holder : XXXX XXXX Last message received from https : XXXX Upon review I found we did receive a record from your mortgage company on XXXX however it was incomplete and came over in a failed status. Our Failed Record Team is working on getting the completed record from your mortgage company. Should you speak with someone at your Mortgage Company that is familiar with the loan validation ( AKA : Common Data Files or CDF ) records you can tell them the record was missing the following information : The LoanStatus ( BE ) is missing. These fields require correction. Once the corrected record is received the Eligibility Review process can continue. XXXX XXXX Complaints & Appeals Analyst
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account Chase # XXXX has violated my rights. 15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 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: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX I deposited a check with XXXX XXXX under my small business name. After getting an ein number, proof it was my account, other bank verifying funds and doing everything chase fraud department wanted they refused to release my funds after cashing the funds into my account and said that the person who wrote the check out to me should just file an endorsement claim but that would only be correct if it was fraud but this is not fraud I had processed check under my non business account by accident. They have been difficult to work with me and when I call they hang up on me when I let them know I am recording for my documentation.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have credit inquiries on my profile that didn't come from me. I suspect fraud and want them removed immediately and indefinitely.
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received a Chase/ Amazon card I never applied for and before it even arrived it shows with a balance of almost {$300.00} ; in addition it allows for contactless which I do not trust to be secure. I verify there to be no transactions on my behalf or in my Amazon account to correspond with any purchases that could be on this card.
Company Response:
State: WV
Zip: 25404
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
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 submitted a dispute with CHASE bank because there were unauthorized transactions in my account totaling to {$250.00}. I received a temporary credit until the investigation was completed. CHASE bank then sent me a letter dated for XX/XX/2022, stating that the investigation has been completed and the transactions was valid and the temporary credit of {$250.00} will be reversed from my account on XX/XX/2022. CHASE Bank has not provided me with any documentation that proves that these transactions were in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that an unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. CHASE has not provided me with any of the requirements under this subsection. Also, CHASE has in-fact deducted {$250.00} from my account on XX/XX/2022, without providing me with any of the requirements listed under 15 USC 1693g ( a ). Please help assist in resolving this matter as soon as possible. Thank you.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am a long-standing, on-time paying customer with JPMCB AUTO. I attempted to write my loan company about an issue I want to address but I am not getting in response and need extra support. Back in XXXX XXXX XX/XX/2021, I was 30-90 days late on my payments due to the financial hardships of Covid19 pandemic. As my vehicle technically should have not been repossessed during the pandemic, I am now seeking relief on my credit report. Since then Ive been on time for 20 months straight with JPMCB AUTO. Account XXXX Im requesting my REPOSSESSION ; REDEEMED and late payment credit reporting posting during the pandemic, be forgiven and deleted from my report. Due to the contrary to the Cares Covid-19 Recovery Act. This is currently affecting my life almost 2 years later, I appreciate your help on this
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
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: Please see the attached detailed explanation of this complaint regarding a disputed transaction under Visa Dispute Code XXXX XXXX XXXX. The charge date was XX/XX/2022 by XXXX in the amount of {$2600.00}. The expected and approved amount was {$610.00} as outlined in the rental contract. I properly notified Chase and provided ample and detailed supporting documentation for my dispute. Chase failed to properly investigate and handle the dispute case as evidenced by the timeline restrictions Chase claims improperly. Additionally, a chase dispute manager admitted the mishandled dispute of this transaction and filed a grievance for me. While XXXX, violated the terms of the contract, failed to request gain authorization for additional charges in excess of the contracted and agreed to amount, and failed to provide a refund as promised. As outlined in this document per the VISA Dispute Resolution Guide, and the XXXX and Federal Chargeback Statutes, liability for these errors and contract violations rests with Chase and XXXX, not with the cardholder. Pursuant to VISA Chargeback Code XXXX, XXXX, and Federal Consumer Credit Protection Laws, I am politely requesting to dispute this charge and the issuance of a full credit to my account and any and all interest, fees, or charges associated with this charge from its initial transaction date. Thank you for your attention to this matter. I have attached additional details below on this matter. To assist with your compliance Ive provided copies of the relevant XXXX XXXX XXXX, applicable UCC codes, and previously provided documentation.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022 I noticed I was negative in my bank while I was out shopping. When I checked transactions I noticed XXXX purchases XXXX on XX/XX/2022 and the XXXX one on XX/XX/2022 at a gas station located XXXX miles from my location. During the times of these purchases I was at home. Therefore, I have no way to prove it was not I that made a {$140.00} gas purchase on XX/XX/XXXX at XXXX XXXX standard time. I also didnt make another {$150.00} purchase at that same gas station at XXXX XXXX XXXX time the following day on XX/XX/2022. Chase Bank has rejected my claim because they say the debit card used shows it was used with the chip which can not be duplicated and the pin code was also used. I was at home these XXXX days during these time frames. The only witness I have is my husband and the text messages sent between XXXX regarding lunch and checking the mail which occurred an hour or more before the transactions. I even tried to get evidence of my location for those dates and my XXXX states they do not have the ability to provide pings of my specific location for those days. Only current locations. How can I get this handled? I have had a scam done a few months ago for {$3000.00}. It was reported to the federal trade commission. I have also had identity theft as well a few years ago. Where they used my personal information such as social security number, to open multiple accounts. This was also reported to police and all XXXX credit bureaus. I am the only one working in our household. We are currently receiving XXXX for XXXX through state of XXXX because my pay check is XXXX after taxes and medical insurance costs. This has effected me financially and emotionally.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A