JPMORGAN CHASE CO.

2019-07-12

Bronx, NY

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Company Response: Closed with explanation

Timely Response

2019-07-12

Costa Mesa, CA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-07-12

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-12

Kalamazoo, MI

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with monetary relief

Timely Response

2019-07-11

San Antonio, TX

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: I was charged with unauthorized use/fraudulent charge on my Chase Freedom credit card by XXXX XXXX CT and XXXX XXXX CT accrued from XXXX to XXXX. I discovered the transactions and reported to XXXX Credit Card Fraud operations in XXXX, XXXX. The researched and credited the unauthorized charges on all transactions from XXXX. I sent them the claim letters on XX/XX/XXXX on the all unauthorized charges occurred during XX/XX/XXXX to XX/XX/XXXX. The total payment I made on their unauthorized charges is {$1400.00}. After I researched, I found the following unauthorized charges from them started back to XX/XX/XXXX, from then on they charged my credit card {$15.00} and {$8.00} separated each month. I did not authorize or used any of their services, merchandises nor any form of service. I never received any billing, invoices, receipt nor statement from them. I called them on XX/XX/XXXX, their representative told me they could find my account.
Company Response: Closed with explanation

Timely Response

2019-07-11

Olympia, WA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2019-07-11

Thousand Oaks, CA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-11

Aspen Hill, MD

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-11

Albany, NY

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-07-11

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-07-11

Long Beach, CA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: Hello. I am XXXX XXXX. Thank you for your help. I recently found out this year, in the beginning of XXXX, I had a credit issue showing up on my credit report. Back in XXXX, I opened an account with WaMu, with an additional authorized user. ( back then I was XXXX XXXX and shared this card with XXXX XXXX ). The card number was XXXX. Soon after I got the account, WaMu became Chase bank. I never used the card, but XXXX XXXX used it till XXXX of XXXX. The past statements show his last payment to the card was in XX/XX/XXXX. He made a last payment to it, for {$1500.00}. This paid the balance off, and he never used the card again. We went our separate ways. In XXXX, I bought a home and there was no issue with this card showing on my record. In XXXX, I did a refi on the same home and the issue also did not show up on my credit report. XXXX of XXXX, I did a third refi on the same home and this credit card showed up as delinquent as of XXXX of XXXX. Neither myself or XXXX XXXX have used the card since XXXX. I was told not to take care of it till after the refi, as it could hurt me during the refi. As soon as I did the refi, I contacted Chase Bank to take care of the situation. I first spoke with XXXX XXXX, and also XXXX from XXXX Missouri, both are a chase bank representative. She let me know there was an outstanding debt of {$850.00} left on the card that hadn't been paid, and that is why it went delinquent. It had gone 180 days pat due. I assumed XXXX XXXX had used the card and not paid it. When I spoke to him, he had told me he had not used it for years. Him nor I, are irresponsible with our debts. We have always paid our debts. For the record, I have never had an existing credit issue on my score, nor has he. I have never had an unpaid debt either. I agreed to pay the amount. I thought I was doing the right thing, by paying the balance, and this would fix the problem. XX/XX/XXXX, after I went through with my refi, I spoke to XXXX XXXX, to sent me an actual bill I can look at, to pay it. The bill was sent with only a balance for what I owe. No where did the bill reflect any activity of charges. I paid the bill XX/XX/XXXX, for {$850.00}. Again, I thought I was doing the right thing. {$850.00} is not a lot of money and I was happy to pay it to get this all cleared up. I had no idea this takes care of nothing or the questions I should've been asking to get it properly resolved. Time has passed and my credit score only got worse. I called Chase bank back and was pushed along to 3 people. They at this point shared the information with me on the account. Apparently, the card was charged of in XXXX and went delinquent in XXXX for going 180 days past due. The card had not been used for up to 5 years at this time. I was told after paying it, that there were 3 different consecutive charges made to my card, for {$200.00} even for each charge, at 3 different XXXX. I am assuming these were gift card purchases due to the even amounts. One at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. Another, the very next day, at XXXX XXXX on XX/XX/XXXX for {$200.00}, and again, on the same day at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. Myself, nor XXXX XXXX made these charges, as the activity of the card was later revealed to me. These charges are fraudulent. Even the nature of the activity of the charges seem fradulent. It is unlikely an individual would have to go to 3 different XXXX to get 3 gift cards, if they weren't trying to hide something. I never had a chance to argue these charges and the information was not disclosed with me until after I paid. I asked if they could delete the charge, as it is fraudulent and has already been paid anyway. I was told they did not have the ability to do that and it will be posted for the next 7 years. They did pass me on to their Fraudulent department. I was told I would be contacted the following week and sent an email. I haven't received a phone call, voice mail or email. I spoke with them XXXXout two weeks ago and have heard nothing from them. I have always paid my bills, and have never had any credit issues. One could go back and reflect my credit history and that can be verified. I then spoke to a refi advisor, he warned me once Chase got their money it doesn't interest them to figure out my credit issue and not to expect that call. Which would seem true as they have not contacted me. That is when he gave me a link to CFPB. I would like this removed from my credit record. Any help would be greatly appreciated. XXXX XXXX XXXX ( Formerly known as XXXX )
Company Response: Closed with monetary relief

Timely Response

2019-07-11

San Luis, AZ

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-11

Thousand Oaks, CA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-11

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-11

Altamonte Spg, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-07-11

Washington, DC

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: XXXX Jpmcb XXXX Jpmcb Unauthorized hard pull on business account, failure to disclose.
Company Response: Closed with explanation

Timely Response

2019-07-11

Allegany Spring, VA

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-07-11

Kenmore, MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-07-11

Bosler, WY

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with explanation

Timely Response

2019-07-11

Berkeley, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-07-11

CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: Hi CFPB, In XXXX of XXXX, I applied for a loan from Chase Auto Finance to buy a car that I had previously leased at the end of the term of the lease. I agreed to pay {$12000.00} for the value of the car and asked for Chase Auto Finance to handle the title on the car. They charged me {$1100.00} for the sales tax on the car and a {$15.00} fee for the Certificate of Title. I wrapped this amount into the loan balance at 5.19 % for a total of {$14000.00}. On XX/XX/XXXX, I received an envelope with the unfiled title paperwork from Chase Auto Finance. Evidently, they were unable to title the car, and I was forced to handle that myself. However, this envelope didn't include a check for the sales tax, which was part of the balance of my loan. Sitting in the DMV is always no fun, but without the check for the sales tax, I paid the sales tax out of pocket, {$1100.00}, on XX/XX/XXXX. The way that I see it, they loaned me this money for the sales tax, but they never actually gave it to me ( or to the State of California on my behalf ). On XX/XX/XXXX, I called Chase Auto Finance for a refund of the tax, service fee, and refund of the interest on the portion of the additional principal due to the sales tax. It's been a month, and I have still not received more than an auto-generated reply from Chase. I certainly haven't received the refund of the money I paid them : Certificate of Title Fee ( {$15.00} ), Estimated Sales Tax ( {$1100.00} ), and 9 months interest on {$1100.00} at 5.19 % APR. I'm still paying on my loan, which I have never missed a payment on. That said {$1200.00} is not a small amount of money to me. I don't particularly want to pay back this money when it was never loaned to me in the first place ... and then there's interest .... I'm providing documentation, all of which I have also sent to Chase. I have the original loan paperwork with the sales tax itemized, the cover letter from Chase saying explicitly that no check was included with the title information, and my receipt from the DMV. I'm sure you guys deal which much bigger problems than mine, but I hope you would do something on my behalf. Very best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Closed with monetary relief

Timely Response

2019-07-11

Buckeye, AZ

Unable to get your credit report or credit score

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

Problem getting your free annual credit report
Company Response: Closed with explanation

Timely Response

2019-07-11

Inglewood, CA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-07-11

Fort Worth, TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-11

Clifton, VA

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Closed with explanation

Timely Response