JPMORGAN CHASE CO.

2019-07-16

Hull, MA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: This is a HELOC account not in litigation, it is a different mortgage from the first mortgage presently that is in litigation. I repeat This complaint HELOC account is NOT in litigation. This complaint is a different HELOC account number from the one in litigation. THIS IS NOT IN LITIGATION!!!! On XX/XX/XXXX I sent ( see attached RESPA request ) to Chase Research Dept regarding obtaining information pertaining to the HELOC I have been paying on since XXXX. All that I received for this request response is a letter for a payoff quote -- instead of an acknowledgement letter of being in receipt of my RESPA request ( and working on it ) which Chase was supposed to furnish me with within 5 business days of their receipt. I called today at XXXX and talked to a XXXX XXXX and she told me she had no knowledge of the response demanded letter but did receive my RESPA and she is not a lawyer. I told her it is highlighted in bold print ( see attached ) a response letter is due to me by now being way past the time for due letter response to me. This account number has been changed twice since the first different account number of origination. I am demanding this legally requested information.
Company Response: Closed with explanation

Timely Response

2019-07-16

Nyc, NY

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: I closed my account in XXXX. I went into the bank. Closed the account and zeroed it out. The bank is saying that I didnt close the account that was zeroed so they charged me service fees for the next 3 months on my XXXX balance. I was in no way over draft. My balance was XXXX. But they continued to charge me for 3 months of bank fees. This happened in XXXX. 3 days after I closed the account they started charging me fees. They charged me fees for 3 months. The total they say I owe is {$86.00}. I received a notification that the account was overdrawn. I called chases XXXX number and they said they couldnt help me I had to go in to the branch. I went in to the branch. Waited over an hour. And they said the best they could do was split balance of {$86.00} and charge me {$43.00}. I said that was absurd. I spoke to the bank officer who agreed with me but it was not within her or her bosses power to fix the clear mistake. They had to call chases collection department. The bank employees and I both spoke to the most senior person we could in the collections department. The woman said the best she could do was allow me to pay {$43.00} instead of seeing the absurdity of the situation and simply removing the charge. I said I would not pay it. It makes no sense whatsoever.
Company Response: Closed with explanation

Timely Response

2019-07-16

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-07-16

Bitter Lake, WA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-07-16

Canyon Cntry, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-07-16

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Company Response: Closed with monetary relief

Timely Response

2019-07-16

Dallas, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I have been dealing with a fraudulent account situation which began on XX/XX/2019 for two full weeks as of today XX/XX/2019. I was alerted by the establishment after the account was negative. I responded to the alert via the telephone bank representative. After conversing with the representative I visited the local branch. The representative of the local branch informed me that the account was placed into a negative status because of three checks that were fraudulently deposited. I placed a claim and it was denied. The investigation concluded that is was valid do to the use of my pin and card. I went a step higher and spoke with the representative at the executive office. Upon their investigation the conclusion was deemed as valid also. I expressed to the local branch as well as the executive branch the thief has no regard for integrity. He or she does care that there is microchip for the purpose of identification nor my pin has been hacked by following the pattern. I have contacted the Federal Trade Commission also currently awaiting a response. All other precautions have been taken ranging from freezing my credit reports to contacting the Consumer Finance Department.I am seeking all avenues to get this matter resolved.
Company Response: Closed with explanation

Timely Response

2019-07-16

Vista, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-16

IN

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: To Whom It May Concern : I have been in contact with Chase Cardmember Services about a dispute that clearly falls under the category of " goods received were not as advertised. '' I sent in a very detailed report that showed how the goods were not as advertised and how I didn't even receive some of the goods purchased in the same order. Their response was, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' It's hard to understand how they could have come to that resolution, given all of the details I sent through that clearly demonstrated that in fact I did not receive what was advertised. The merchant is easily identified as a fraudulent company from a basic XXXX search as well, which I also provided evidence for. I want to escalate this so that it is reviewed by a competent oversight authority. Thank you in advance for your assistance, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-16

Bronx, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-07-16

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-07-16

Somerville, MA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2019-07-16

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-16

Santa Monica, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am a victim of fraudulent charges. I tried to fix this problem with JP Morgan Chase Bank on XX/XX/XXXX. I sent them a formal request for removal of fraudulent items that were found on my credit report, which they disregarded and didnt act to remove the accounts. This is a violation of the California Credit Reporting Act and the FCRA. I've done the hard work, checking accounts against records and this accounts are fraudulent. So I want those items to be removed/blocked from my credit reports. Please help me to solve this issue. The accounts I am writing to you about is listed below : 1 ) Chase ac # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 2 ) Chase ac # XXXX, Date open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 3 ) Chase ac # XXXX, XXXXcc open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off.
Company Response: Closed with explanation

Timely Response

2019-07-16

Boise, ID

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Problem with chase bank and XXXX XXXX. I have clear title on my property. XXXX XXXX claimed they did a foreclosure on XX/XX/XXXX. It was done by XXXX XXXX XXXX. I do not have an account with XXXX XXXX. This start in XX/XX/XXXX with Chase calling me telling me that they were the servicing company. It turns out they were not they were just collecting money from. As I looked into this XXXX XXXX kept appear on the documents.the name on the documents. When I did check they had nothing to do with me either. XXXX XXXX took me court using the law firm of XXXX XXXX. They first start this action as work for CHASE but the documents said XXXX XXXX on them. XXXX XXXX XXXX started with CHASE but when they filed the fake foreclosure paper under XXXX XXXX. They just switched without giving me any notice of the change. XXXX XXXX XXXX was to be trustee in this matter in there documents. Contacted them they said they never received any documents in this matter. They stayed they no interest in the property. I check my title I have no liens. But the attorneys for XXXX XXXX claim they did a foreclosure. They had fake conveyance feed from XXXX XXXX XXXX. Which stated that they have no interest in the property. The created them selves. The never did a foreclosure, but went post foreclosure. Went to court on this matter showed judge title of ownership he ignored it and there attorney show no proof of anything, but the judge have a writ of ejectment. Which says they have to show proof of ownership first. They never showed anything. About 20 sheriffs came kick me and my child out of the house took every thing I own and my business. Now I am XXXX for last 3 months. Now they are trying to sell my property again ( XX/XX/XXXX ). I need help with this matter. They texted me court date to find when where. They could not find. It just says XX/XX/XXXX at XXXX. But no case is outstanding. They have been trying to change documents to read Chase and do another fake sale. Help please
Company Response: Closed with explanation

Timely Response

2019-07-16

Brooklyn, NY

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-16

Carlsbad, CA

Improper use of your report

Credit card or prepaid card: General-purpose credit card or charge card

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-16

Cleveland, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2019-07-15

Fort Worth, TX

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I WAS SCAMMED BY 2 DIFFRENT COMPANIES. I PAID XXXX XXXX XXXX {$990.00} ON XXXX USING MY DEBIT CARD.. I ALSO PAID XXXX XXXX XXXX WITH A CHECK {$4100.00} ON XXXX. THESE 2 COMPANIES TOOK ADVANTAGE OF ME AS A SENIOR CITIZEN. THEY DID NOTHING AT ALL FOR ME AND I DON'T KNOW WHAT TO DO AT THIS TIME. I REALLY NEED THIS MONEY AND NOBODY IS ABLE TO HELP ME.
Company Response: Closed with explanation

Timely Response

2019-07-15

Tyrone, NM

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: On the most recent statement I received on my Southwest Rapid Rewards card, there is a XX/XX/2019 transaction in which I paid a landlord in Euro 's. I was charged an exchange rate of {$1.00}. On or about XX/XX/XXXX I checked to find the official exchange rate between Euros and Dollars. It was {$1.00}. That is a difference of {$0.00} for each dollar. That seems to me to be exorbitant. I inquired with Chase Bank and was unable to receive a satisfactory explanation for why such a discrepancy and who is getting the XXXX cents on each dollar and how is that expense justified.
Company Response: Closed with explanation

Timely Response

2019-07-15

San Gabriel, CA

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: Unauthorized Quickpay transaction of XXXX on Chase account made Wednesday XX/XX/XXXX through cosigner 's account. I filed a fraud report on XX/XX/XXXX. Unauthorized transaction happened on cosigner 's side, Chase closed case and mailed a notification on update. Called to open the case again on XXXX XXXX. Was told by Chase that they have a policy that anyone under cosigner can file a report on behalf of that account. Was told case is opened again. XXXX XXXX. No updates on report. Called Chase and was told that the case was closed yet again because cosigner needs to be the one to report it. However, no information was received this time around in regards as to what happened with the report. Terrible communication with Chase and been told different answers. Not helpful at all in regards to the dispute.
Company Response: Closed with monetary relief

Timely Response

2019-07-15

Ft Wayne, IN

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I gave chase my bank account number to pay my bill and they wouldn't accept it, they told me they had a different number with my account. It turns out they were charging another member at my bank. I dont know how this happened, my bank told me they had no idea how chase got the other members account number. I had to reimburse the other member. My bank told me that it was an error on chase 's part. I talked to chase and they acknowledged their mistake but told me they couldn't remove the missed payment from my credit report. They told me to dispute it on my credit report if it showed up. I tried multiple times to make a payment after my automatic payment was returned on XX/XX/19. They wouldn't accept my attempts to pay. They corrected the account number for future payments but that's it. I really need this resolved as I'm trying to build my credit. I never wanted to miss a payment, it was their mistake.
Company Response: Closed with explanation

Timely Response

2019-07-15

Lima, OH

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-15

Cambria Heights, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2019-07-15

Jupiter, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response