Date Received: 2022-11-21
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 # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/22 I spoke to two separate representatives from JP Morgan Chase Credit card services. First customer service rep ( XXXX ) at XXXX on XX/XX/22 indicated to me the following after I inquired why am I not receiving monthly statements by mail. XXXX XXXX indicated, " you do not have any new purchases that is why your not receiving statements. '' I responded although I have not used the card on a monthly basis I still have a running balance and payments are being made therefore I should be receiving a monthly statement as I do for a couple other credit cards I have where I do not use those cards regularly but have a running balance. After I stated this, XXXX indicated " XXXX XXXX monthly statements are being generated but must be lost in the mail. After I questioned her why XXXX first indicated, " no statements is being generated because I am not using the card monthly, '' XXXX said that was a mistake and apologized. At that point I asked to speak with a ( MOD ) XXXX on duty and was asked to hold while XXXX transferred me. After holding I realized XXXX just put me back in the loop to speak to another customer service rep. At this point I hung up and proceeded to call again where I spoke with with customer service rep XXXX XXXX XXXX who indicated to me the exact same thing as XXXX indicated above, " I am not receiving statements because I have no recent purchases. '' After I indicated to XXXX as I indicated to XXXX that if I have a running statement I should be receiving a statement. Once again I was answered with " my mistake I do see you have a balance. '' When asked if I am signed up for paper statements XXXX indicated " No, you are signed up for paperless '' but previously XXXX indicated statements are being sent to me but lost in mail. I promptly requested statements be sent via paper. My question is, how can I speak to XXXX representatives and basically get the same information but when I question them they turn around and tell me something totally different. I am asking for your assistance in resolving this matter. Thank you,
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a dispute for two payments that were duplicated in my account from the bank XXXX for two different credit cards, the dispute department made a mistake and included two other merchants that were not discussed in the call and this cost me over {$160.00} in fees and one credit card closed due to this chargeback. JPMorgan Chase is lying saying that I did include these merchants, when in the recorded call is not true and they deny me the right to listen to the call with them so I can prove them wrong. I have taken this case to their executive offices and they insist they did nothing wrong which is not true and the recorded call proves it. They say that at the time of the call the other two merchants were pending, which is NOT true. I was very specific about the merchant in dispute, XXXX, and the repeated amounts {$2800.00} & {$1900.00}, I remember this call very clearly. I need help, they are abusing their power and do not want to be responsible for their mistake. This has caused me a lot of issues and loss of money. thank you XXXX
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Spoke with JPMCB in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I called Chase Bank about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and XXXX reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with Chase bank and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. I also called XXXX, but they said that Chase bank would have to send a letter to have the inquiry removed.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I hired a moving company to move me from XXXX XXXX to XXXX. The company did not provide a truck large enough to accommodate my move despite upping the estimate the day before. The truck they sent from a third-party vendor was almost completely full and would not have even accommodated the original estimate. They said they were looking for another truck that had the space and would let me know. Instead, they left without telling me anything. They said they would reschedule a move to another date when they could get the truck but that was not the date I agreed to and had to get my things out the day we scheduled. I had to hire another moving company which cost me twice as much on short notice. They said they would refund my money and never did. Then they offered me {$600.00} off the {$1800.00} it cost me and I said that wasn't good enough so I filed a dispute with the bank. The dispute was denied and now because I filed a dispute the company is no longer willing to give me the {$600.00} back and is mocking me because my bank " doesn't even have my back ''. The {$600.00} is still not enough but better than nothing.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/22 Chase bank allowed three unauthorized overseas wire transfers totaling {$1000.00}. They had to investigate that I did not steal my own money. They have determined that I in fact did not steal the money but they are not returning it to me. My son was also hit with wire fraud on the same day. His money was returned on XXXX/XXXX/22. I can get zero help from Chase when I call.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
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: XX/XX/2021 - Two charges, each of {$2800.00}, made to our Southwest Rapid Rewards credit card. Charges were for booking cruise with XXXX XXXX XXXX. XX/XX/2021 - Received email from XXXX XXXX XXXX that cruise was cancelled. Around XX/XX/2021 - Placed disputes on charges of {$2800.00} and {$2800.00} as XXXX XXXX communicated that refunds would not be given until 4-8 weeks later. XX/XX/2021 - Removed disputes on both charges in hopes of utilizing monies towards future cruise, received credits, etc. ( see attached XXXX XXXX cancellation email ). XX/XX/2021 - Booked NEW cruise with XXXX and was told that amounts for cancelled cruise could NOT be used as the dispute transactions were received. Asked Southwest Rapid Rewards to again apply disputes, but was told they were not able to, once they were released on XX/XX/XXXX. Chase Disputes team communicated that we must request refund from XXXX XXXX XXXX. For several months I have been in communication with XXXX XXXX XXXX and have asked for a refund on {$5600.00} ( two payments of {$2800.00} ). Each time the finance department researches my request and they come back saying that those payments were never received ( see attached email from XXXX saying no payment received ). On the other side, Chase Disputes team ( on behalf of Southwest Rapid Rewards ), say they have also researched the issue, and they say that they have received confirmation from the merchant bank for XXXX XXXX that both payments of {$2800.00} were received on XX/XX/2021. On one hand XXXX XXXX XXXX XXXX says no payments were received, thus there are no amounts to refund. On the other hand, we have two Re-Bill charges of {$2800.00} that show on our XX/XX/2021 credit card stamenet from Southwest and Chase Disputes team saying they have received confirmation from XXXX XXXX ' merchant bank that funds WERE received. Both of these statements can not be true. Neither party will provide us tangible/physical evidence to their analysis and conclusion so that we could then go to the 'other party ' with actual proof. Either way, we are not liable to pay Southwest Rapid Rewards {$5600.00}. Mainly because XXXX XXXX say they have not received those funds, and second, Southwest/Chase will not help us in resolving this situation.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase has stolen my money and is doing very little to return it in a timely fashion. I mailed a check for {$55000.00} to XXXX & XXXX XXXX. Someone took the check from the mail, deposited it into a personal account at XXXX XXXX XXXX XXXX flagged it, held and cancelled/stopped payment on the check. Chase Bank released the funds to XXXX XXXX and is telling me 120 days to get payment back. XXXX XXXX has told me they will expedite returning the funds as soon as they get a claim from XXXX, and I have even provided the contact information to the rep at XXXX XXXX XXXX to help move things along as a small business needs to be paid for the work they completed. I do not have another $ XXXX sitting around to cut another check while I wait for my money to be returned at the mercy of Chases poor and unorganized process. I have filed a claim with the Fraud department at Chase at which they have misplaced paperwork, sent a claim to XXXX XXXX without confirmation that it would be received and according to their process does not follow-up. Chase has done everything to impede the process, slow it down or take no responsibility on behalf of their customer when they are responsible for releasing funds for a check that was never processed. I requested a copy of the claim they sent to XXXX XXXX at that point Chase told me I need to take legal action against them and subpoena them for a copy of my own claims record. This is a horrific banking experience to know that Chase cares little to protect their customers, releases funds for checks that never cleared, and loses personal information sent in to them to process claims. My executive office claim at Chase is : XXXX, the claim to XXXX XXXX ( which Chase refuses to confirm was even received ) is # XXXX XXXX. Please help!
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XX/XX/2022, I deposited a check of {$1000.00} in my chase account. After 3 days I checked my account and the funds wasnt available to use. I reached out to chase ( my bank ) to find out whats going on and I was told that, there was a hold on my account for verification purposes of the check. A week later, the funds was still unavailable to use. I reached out to chase again and I was told that they havent verified the check yet. 3 weeks later after talking to plenty of representatives with different stories, I was told my account had been closed. Chase told me that theyre not obligated to tell me why they close my account. They locked me out of my account and everything. During that time my, account was - {$270.00} but because I deposited the check, my remaining balance was {$680.00}. It is now XX/XX/2022 and chase is holding my funds. because chase is being negligent with the situation, I am unable to pay my light bills and some leftover rent I have to pay. I can not express the amount of stress this situation has caused me for me for the past 5 weeks and ongoing. I havent been able to find a resolution to this stressful issue. Ive talked to at least 20 representatives, from associates to supervisors. Please help!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A