Date Received: 2022-11-26
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: On XX/XX/2022 Chase sent me a notice to pay by XX/XX/2022 to keep my vehicle. On XX/XX/2022 Chase locked my account and removed all my payment method and wouldnt allow me to schedule a payment therefore causing me to default. On XX/XX/2022, Chase used XXXX XXXX XXXX to repossessed my personal vehicle after numerous attempt of them not validating the debt pursuant 15 USC 1692G or stating their interest or claim in the vehicle. Pursuant to 15 USC 6802 Chase did not give me the full disclosure to opt out of my personal information being given out to non affiliates. They not responding to affidavit or billing error notices that addressed clear violations to XXXX in XXXX, found in documentary evidence/contract. They refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recession and 12 CFR 1026.3 exempt as to certain transaction. Chase did not disclose to me of my right to rescind this transaction. Making me pay to retrieve my personal items once my vehicle was repossessed when pursuant to 15 USC 1692f ( taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ) Claiming I could retrieve the vehicle after I pay the full balance. The very same repossession predatoryact CFPB found guilty of and punished for. The purchase of my XXXX XXXX XXXX was financed through Chase Bank. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the XXXX and XXXX XXXX. Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. Chase Bank was payed in Full at the time of my signature, so there should be NO LATE payments. Chase Bank never notated my account was under dispute pursuant to the FCRA. Chase Bank strategically refused to note my account under dispute. By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. This is yet another extortionate attempt at collection on their financed lines of credit. Chase Bank sent me a letter stating my monthly payments was changed after my account was booked and that they would not provide me their tax identification number. I ask Chase to produce me with the contract stating the changes and show me where I signed and agreed because I know if they change my payments something else was change that wasnt disclosed to me. The contract I hold has an XXXX XXXX, finance charge {$3400.00}, amount finance {$16000.00}, total payments {$20000.00}, monthly payments of XXXX with the terms of 72 months. The payment was changed to XXXX l They refused to show me the new contract indicating what changed and why. Thats material concealment that I should be allowed to verify. I asked Chase to show me the original promissory note so I can verify if they are the holder in due course to do any execution. Pursuant to South Carolina law 36-3-302 ( c ) Chase is not the holder in due course as they have no legal rights as holder and in due course in the instrument ( promissory note ) as it was a creditors sell. The contract that is in question states what a default means if I fail to pay whats due, break any agreement except that if I bought the vehicle primarily for personal, family, and household use we will only treat those as default if they significantly impaired the prospect of payment, performance or realization of the collateral. I contacted Chase in XXXX of XXXX and made them aware of my lost of employment and struggle to pay and that I primarily use the vehicle to transport my children to school and doctors appointments. I have been sick and XXXX and the emotional distress of dealing with Chase has damage my mental which lead me back not a mental breakdown and XXXX. Ive been extremely hurt with this situation.
Company Response:
State: SC
Zip: 291XX
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with JPMORGAN CHASE BANK NA. During the course of the credit transaction, I was not provided material disclosures as required by law. JPMORGAN CHASE BANK NA used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that JPMORGAN CHASE BANK NA and XXXX have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXXXXXX XXXX XXXX XXXX XXXXXXXX began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with JPMORGAN CHASE BANK NA. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking XXXX XXXX XXXX XXXX for XXXX pertaining to the consumer credit transaction for account number XXXX. I followed up with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have enclosed some of the communications I mailed to XXXX XXXX XXXX, XXXX, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to JPMORGAN CHASE BANK NA. XXXX XXXX XXXX XXXX failed to provide the requested information, including, but not limited to, account transaction details pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the name and address of the original creditor, as well as XXXX XXXX showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to XXXX the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXXXXXX, as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within XXXX XXXX after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. XXXX shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within XXXX XXXX after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, JPMORGAN CHASE BANK, and XXXX XXXX XXXX XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable Corporate money laundering and tax evasion scheme. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX XXXXXXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX XXXX XXXX property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX, XXXX. Using multiple XXXX to hide nefarious activity being done by various actors may be common among criminal tax evaders and thieves. XXXXXXXX XXXX XXXXXXXX, XXXX, ( and/or XXXX XXXX XXXX XXXX law firm XXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number - REDACTED. Private administrators pretending to be XXXX XXXX aided and abetted 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 XXXXXXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXXXXXX XXXX XXXX, XXXX, XXXX with an ARMED man, used threats of force to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX card which identifies the business that XXXX XXXX XXXX for as XXXXXXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to XXXX? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX XXXX XXXX consent? What is the innocent explanation for not following the law as written by XXXX in title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( b )?
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with JPMORGAN CHASE BANK NA. During the course of the credit transaction, I was not provided material disclosures as required by law. JPMORGAN CHASE BANK NA used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that JPMORGAN CHASE BANK NA and accomplices have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXX, XXXX XXXX XXXX XXXX began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with JPMORGAN CHASE BANK NA. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking XXXX XXXX XXXX, XXXX for information pertaining to the consumer credit transaction for account number XXXX. I followed up with XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have enclosed some of the communications I mailed to XXXX XXXX XXXX XXXXXXXX, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to JPMORGAN CHASE BANK NA. XXXX XXXX XXXX XXXXXXXX failed to provide the requested information, including, but not limited to, account transaction details pursuant to Generally Accepted Accounting Principles ( GAAP ), IRS form XXXX XXXX, IRS form XXXX, IRS form XXXX, IRS form XXXX, IRS form XXXX, the name and address of the original creditor, as well as XXXX XXXX showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be an Attorney for XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to XXXX the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah. On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXXXXXX, as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXX XXXX XXXX, XXXX XXXX, Utah, to XXXX XXXX XXXXXXXX, XXXX, to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, JPMORGAN CHASE BANK, and XXXX XXXX XXXX, XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX XXXX XXXX property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the Senior Project Manager for XXXX XXXX, not XXXX XXXX XXXX, XXXX. Using multiple Corporations to hide nefarious activity being done by various actors may be common among XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( and/or XXXX XXXX XXXX hired law firm XXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX number - REDACTED. Private administrators pretending to be Judicial Officials, aided and abetted XXXX XXXX XXXX XXXX ( and/or XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attorney 's for XXXX | XXXX ), XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attorney 's for XXXX, XXXX & XXXX XXXX XXXX. ), and XXXX XXXX XXXX, XXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXX XXXX XXXX, XXXX, XXXX with an XXXX man, used threats of force to remove XXXX XXXX XXXX and XXXX XXXX from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah. XXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card which identifies the business that XXXX XXXX XXXX for as XXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, JPMORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and/or XXXX, XXXX & XXXX XXXX XXXX, permission to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to XXXX? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX XXXX XXXX consent? What is the innocent explanation for not following the law as written by XXXX in title XXXX United States code chapter XXXX section XXXX ( b )?
Company Response:
State: UT
Zip: 843XX
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with JPMORGAN CHASE BANK NA. During the course of the credit transaction, I was not provided material disclosures as required by law. JPMORGAN CHASE BANK NA used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that JPMORGAN CHASE BANK NA and accomplices have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXXXXXX XXXX XXXX XXXX XXXX began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with JPMORGAN CHASE BANK NA. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking XXXX XXXX XXXX, XXXX for information pertaining to the consumer credit transaction for account number XXXX. I followed up with XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have enclosed some of the communications I mailed to XXXX XXXX XXXX XXXXXXXX, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to JPMORGAN CHASE BANK NA. XXXX XXXX XXXX XXXXXXXX failed to provide the requested information, including, but not limited to, account transaction details pursuant to Generally Accepted Accounting Principles ( GAAP ), IRS form 1099 OID, IRS form 1098, IRS form 1065, IRS form 8281, IRS form 8283, the name and address of the original creditor, as well as SSA 89 showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be an Attorney for XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to steal the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah. On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXX, as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXX XXXX XXXX, XXXX XXXX, Utah, to XXXX XXXX XXXXXXXX, XXXX, to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, JPMORGAN CHASE BANK, and XXXX XXXX XXXX, XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable Corporate money laundering and tax evasion scheme. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX from his property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the Senior Project Manager for XXXX XXXX, not XXXX XXXX XXXXXXXX, XXXX. Using multiple Corporations to hide nefarious activity being done by various actors may be common among criminal tax evaders and thieves. XXXX XXXX XXXX, XXXX, ( and/or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the JUDICIARY COURTS OF THE STATE OF UTAH, XXXX and XXXX number - REDACTED. Private administrators pretending to be Judicial Officials, aided and abetted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX attorney 's for XXXX | XXXX ), XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attorney 's for XXXX, XXXX & XXXX XXXX XXXX. ), and XXXX XXXX XXXX XXXXXXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXX XXXX XXXXXXXX, XXXX, along with an ARMED man, used threats of force to remove XXXX XXXX XXXX and her offspring from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah. XXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXX, XXXX, handed XXXX XXXX XXXX a business card which identifies the business that XXXX XXXX XXXX for as XXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, permission to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to GAAP? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX without his consent? What is the innocent explanation for not following the law as written by congress in title 15 United States code chapter 41 section 1635 ( b )?
Company Response:
State: UT
Zip: 843XX
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: Deposits and withdrawals
Consumer Complaint: This is recurring a recent check that Ive deposited to my business Account, and this transfer is on hold because its kind like a 3rd party check. The reason why i deposited this check because its authorized from the payable payee, which this check is to given to, and on the back of the check, which have includes the written and signature includes that this check have authorized payable to My account. I have try to ix this issue with my bank, but the bank have place this hold on my account full access!! This is unfair to me, becuase theres many others deposit on my account, such as cashier check that i just deposited into my account, and the bank have put this holds on my fully account access.
Company Response:
State: NY
Zip: 11354
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. XXXX & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation Sincerely, XXXX XXXX XXXXXXXX, XXXX ALL RIGHTS RESERVED
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect exchange rate
Subissue:
Consumer Complaint: My checking account with JP Morgan Chase is XXXX. I have wrote more than twice to the customer service but they did not answer my question directly and so I am seeking your help. I withdraw from an ATM in XXXX for XXXX peso from my XXXX XXXX account ( it come with no ATM fee worldwide ). My account indicated about {$330.00} ( {$330.00} subtract {$4.00} fee rebate ) for that withdrawal. This translates into XXXX exchange rate which is ridiculous as JP Morgan is converting this at competitive market rate. All the money exchange booths around the ATM area show at least around XXXX. I check with JPMorgan what rates they gave me, and whether there is other fee that they did not reimburse me. They never answer directly to these two simple questions after at least two emails enquiry. It is either they XXXX me over the exchange rate or they did not reimburse me all the fee involved.
Company Response:
State: CA
Zip: XXXXX
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: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2022 I called into XXXX XXXX and made my payment of {$530.00} over the phone with the representative by the name of XXXX, she stated the payment was successful and we ended the call. I woke up the next morning and noticed I received two emails thanking me for my payment and I immediately checked my card and the payment was in process twice with a total of XXXX. I called in and spoke with XXXX and let her know my payment was posted twice and I needed the money back right away as I have a son who has necessities as well as the holiday is coming up and I wanted to XXXX shop for my sons XXXX XXXX. To no surprise I was told it would be up to XXXX business days until I received my money back. Immediately I asked for a supervisor ( XXXX XXXX and she stated it would be XXXX days and it would be put on rush but they are closed over the weekend. This is unacceptable in my eyes, any other charge that comes through on my account twice even for {$1.00} it is recognized as a duplicate charge and I am refunded promptly. This is not my first issue I have had with Chase Bank and I will be closing my account as soon as this is rectified!
Company Response:
State: FL
Zip: XXXXX
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: 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: The dispute involved XXXX ( charge under INT'L escrow ). Executed charge on same day with 2 different Chase cards ( XXXX and United Airlines ). Executed dispute notice on same day ( end of XXXX ). Sent both disputes the same info. After a few times going back and forth, finally on XX/XX/XXXX both credit cards reached a decision. XXXX said I did NOT have to pay, but United said I had to pay. After reopening United continued that I had to pay. Finally I sent copies of the 2 letters to United and their final response was that it is to late to do anything. I have come to the understanding that the same Chase dispute center handles ALL disputes. My question is : how can the same dispute, with the same info, etc. lead to opposite results?
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a case I already started with Chase Bank on this website. Chase has already closed the case although, nothing was resolved. Chase has been a nightmare and miscalculated my escrow over {$9400.00}. I asked to be removed off of escrow with Chase bank, which, regretfully they are denying even though they have miscalculated my escrow. Chase told me that they asked a third party investor called XXXX XXXX, and that they are denying the removal of my escrow. Which is a lie. XXXX XXXX handles my PMI not my escrow. Chase is in charge of escrow considering all checks for escrow are taken by chase not XXXX XXXX. Regardless, Chase will blame everyone else and will not take any accountability on their actions. Chase put a response up on the CFPB website stating that Im at roughly XXXX XXXX XXXX and if I bring it down to XXXX XXXX that XXXX XXXX may consider the removal of PMI on my loan. Which will lead to Chase possibly removing my escrow. Chase never explained any of this to me. However, I read the full statement on CFPB. I immediately began the process of PMI removal for some odd reason I thought I was much further than they had mentioned. Chase just sent me a letter and it again has miscalculated information then what was posted on the CFPB. Chase mentioned I needed my loan to get to roughly {$660000.00} on the CFPB. I received a letter from Chase today stating I need to bring my loan down to {$610000.00}. Yet again Chase is making errors and confusing my situation. I am still waiting for a manager who apparently was well aware of this situation but has had me waiting almost a week for answers. I am still trying to get Chase removed from my escrow. Although they have denied me several times. They have been a nightmare. I need to handle my own finances thats all I ask for. I also really need to know where my XXXX is? Just awful.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A