JPMORGAN CHASE CO.
Consumer Complaints
There are over 65161 complaints on file for JPMORGAN CHASE CO.. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 148
2019-06-17
Bonney Lake, WA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with monetary relief
2019-06-17
Muldrow, OK
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-06-17
Stamford, CT
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-06-17
Alpharetta, GA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2019-06-17
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-17
Houston, TX
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Closed with explanation
2019-06-17
Kent, WA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-06-17
Fontana, CA
Managing an account
Checking or savings account: Savings account
Fee problem
Company Response: Closed with monetary relief
2019-06-17
Rockford, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I received a referral offer to open a XXXX credit card in late XX/XX/XXXX/early XX/XX/2019 and accepted that offer thinking that it was for XXXX bonus points. The next day I realized that it was for 3 nights of XXXX points. I called into Chase letting them know that I didnt want that offer, but rather the XXXX points. The first representative told me to close that card and apply for a new card, which I did. I then called back a couple days later to check on that application and was then told it was denied because of the first application. I then asked the representative on XX/XX/2019 what I could do to still get the XXXX point offer and they instructed me to spend the {$5000.00} and then call back and have the bonus offer changed. I spent the {$5000.00} and then called back on XX/XX/XXXX to request the bonus offer be changed. It was at this time that I was told the Marriot offer does not have this return of premium on this card/offer and that they cant change the bonus offer. The escalation department listened to previous phone calls and agreed with what I have said but are not willing to change the bonus offer.
I have spoken with XXXX ( ext. XXXX ) and XXXX ( ext. XXXX ) at the phone number of XXXX at Chase 's Executive Office. They reviewed the previous phone calls and agreed that the representative gave me wrong information and offered me XXXX bonus points for their error, which I appreciate but is not sufficient to me as I did what I was instructed to do to fix the problem but now Chase is not owning up to their own mistakes. I would not have accepted the initial offer if I was given the correct information. I greatly appreciate XXXX & XXXX 's efforts, but I don't think they are understanding the importance of the situation.
Please contact me back by phone at ( XXXX ) XXXX and I authorize you to leave an in-depth voicemail or by email at XXXX.
Company Response: Closed with explanation
2019-06-17
San Diego, CA
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-06-17
San Francisco, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-06-17
Arlington, VA
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Complaint: I closed my Chase checking account online on XX/XX/19 via Chase 's secure messaging system, and requested to have the remaining balance sent to me by check for the amount of approximately, {$2100.00}. I was told the check would be sent out within seven business days. I never received the check and recontacted Chase via their secure message system on XX/XX/2019 to inquire on the status of my check. I was told again it would take seven business days until a check would be sent out to me, which I responded that I had already waited well past seven business days. I was then told the next day that I needed to physically go into a Chase branch to fill out a for for Declaration of Lost, Stolen, or Destroyed Cashier 's Check, and have it notarized. I initially refused because my work schedule does not allow me to easily go to any of Chase 's branches. However, I relented after a few days, due to the stress this situation was causing. After going into the XXXX, Virginia Chase branch on XX/XX/19, I waited for service for about an hour before finally speaking with a representative whose name was XXXX XXXX. XXXX told me I would have to fill out the form, and that I would be able to get a new check that day in the branch. However, after filling out all of the paperwork, I was then told that I could not actually receive a check that day, because I had cancelled the account online, and not in a physical store. This seemed absurd to me since I was physically in a Chase bank, and Chase should be able to cancel their own checks, and write their own checks, or so I thought. Regardless, I left after being told I would have my check overnighted to me most likely by Tuesday ( XX/XX/19 ), and that someone would contact me on Monday ( XX/XX/19) - neither of these things happened. Additionally, I contacted XXXX using the business card she gave me on my trip into the branch on the following Saturday (XX/XX/19 ). Her coworker answered her phone and told me she would be busy all day and would not be able to contact me until Monday. I asked XXXX 's coworked if she could inquire about my check, to which I was told she could not, and that I would have to wait until Monday. At this point, I am very concerned that I will not be receiving my funds, which I have been waiting for for nearly a month since closing my account. I don't know if the incompetency of Chase 's checking/mailing system is something that can be fixed, but I am contemplating getting a lawyer if I do not receive my check by the end of this week. I have spent hours on the phone, writing emails, going into Chase 's branch, etc, all for the purpose of trying to get my money back. This is completely unacceptable and I don't know where else to turn from here.
Company Response: Closed with explanation
2019-06-17
Soquel, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: On Friday, XX/XX/2019, the teller at the Chase Bank XXXX XXXX and XXXX XXXX processed the deposit of {$5900.00}. The teller did count the money not just one time by hand, but also included the counting machine and after that she wrote the deposit slip for {$5900.00} by her own hand and gave me the receipt for {$5900.00} was deposited on my checking account. Next day Saturday, I signed in to my account over the internet and could not understand what is going on and why the last transaction on my account was unrecognized deduction for {$1000.00} that did appear on my account out of my knowledge right after the deposit of {$5900.00} was made on Friday and I left the bank right before XXXX XXXX closing time. I called the Chase Fraud Department to file a claim fraud for unrecognizable deduction. I was surprised that it became very difficult to file a valid fraud-theft claim. I was kept on line and felt unprofessionalism for handling my frustrated call and felt that Chase Bank team was working to protect each other and I was transferred and connected with her. I was pushed to talk to the same branch manager that made that false deduction on my account. I felt beng foolish right away. I got frustrated, because the branch manager was not on alert and was not interested to ask me any questions, but tried to assure me that everything is correct on my account. I ran to the bank and asked to see the process for that {$1000.00} deduction. I was given a copy of deposit slip that I made for {$5900.00}, where digit XXXX was corrected on digit XXXX by black ink over blue ink and my initials under that with black ink too. When I asked what it is, I was told that it is my deposit slip and my initials on deposit slip by my hand agreed on that change. I believe it is a crime that calls a forgery that was done in secretly, silently and in the dark. The manager XXXX XXXX said it to my face and when I began to argue that insulting accusation and bold lie, she impatiently was rolling her eyes up, showing me that she is not interested to hear my story. She did not want to ask me any questions and did not like that I have questions how did it happen after I left the branch. She was telling me that it was I, who did put the initials and was agreed on that recalculation!!! It is outrageous obstruction of justice. She only did not tell me how I could put my initials on recalculation for deduction that she said she did with teller after I left the branch. I explained everything in my complaint to Chase Fraud Department and to Chase customer service. The investigator called me next day and assured that it will be investigated and if it was done wrong, I will get deposit on my account of {$1000.00} after that. The deduction happened on Friday, XX/XX/XXXX and only next Friday, XX/XX/XXXX, Chase deposited {$1000.00} back. No one got fired for such outrageous theft. No teller and no manager were found accountable, no one was found accountable. I could easily loose {$1000.00}, if I did not have enough English to fight the power abuse. My family has been robbed constantly. Bad people try to do it all the time and investigators do not want to investigate and punish thieves. Thief continues to work at Chase Bank and got covered up and got away, nobody got fired. This is what happened when bank employee got the supervisors job by connections to do whatever they want to do and become above the law and accountability.
Company Response: Closed with explanation
2019-06-17
PA
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: Please see below letter, which was signed for by a XXXX XXXX XXXX at the Chase Executive Office on XX/XX/XXXX. I have not yet received any response or even a receipt of acknowledgement from Chase Bank.
XX/XX/XXXX Chase Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mailstop XXXX Hello, I would like to elevate my dispute of several unauthorized charges to a higher level, as I have been told by both the Fraud Department and the Merchant Dispute Department that these charges have been deemed valid.
Firstly, let me say that I have been a loyal Chase customer since XX/XX/XXXXand that up until this point I have been highly satisfied with your services, particularly in regard to travel benefits and rewards. I have personally referred two individuals who have opened Chase Sapphire Preferred credit accounts, and I have made posts on social media praising your company. My recent experience has dramatically and completely reversed my views on Chase Bank.
On the evening of XX/XX/XXXX local time, I visited the XXXX XXXX, a gentlemans club in XXXX, Poland. I purchased a few drinks at the venueno more than five in total. After ordering my first drink ( house/well liquor and sparkling water ), I handed my Chase Sapphire Reserve card ( ending in XXXX, now replaced by card ending in XXXX ) to the bartender to pay. The bartender returned minutes later and stated that they were having difficulty running the card, so I then handed the bartender my Chase Sapphire Preferred card ( ending in XXXX, now replaced by card ending in XXXX ). When asked, I agreed to keep the tab open, so the bartender was in possession of both of my Chase credit cards for the duration of my visit to the XXXX XXXX. I did not see either card again until I signed a single bill before leaving the venue a few hours later. All of my communication with the XXXX XXXX staff was in English, as I do not speak any XXXX. It was apparent that English was a second language for the bartender.
Upon waking the next morning, I checked my phone and saw a number of text messages from the Chase Fraud Department ( see attached screenshot ). The first asked if I had used my card ending in XXXX ( now replaced by card ending in XXXX ) for {$830.00} at XXXX XXXX on XX/XX/XXXX, and the second asked if I had used my card ending in XXXX ( now XXXX ) for {$1500.00} at XXXX XXXX on XX/XX/XXXX. The third and fourth text messages instructed me to call the number on the back of the card ASAP to discuss activity on my account ending in XXXX ( now XXXX ). I did not recognize the merchant XXXX XXXX XXXX, and though I had visited a venue called the XXXX XXXX the previous night, I most certainly did not spend {$1500.00} there. I immediately sent a response text, No, which was then answered by an automated text message : Thank you. Your card cant be used until we speak with you. Call to turn it on or order a new one.
These messages reassured me that your company had protected me from any potential fraud : You detected suspicious activity and contacted me to verify that it was authorized ; I didnt respond until ten hours later, so obviously you would have blocked all attempted transactions with the merchants in question. I had only one more day in XXXX and was fully confident that I had nothing to worry about because I trusted in Chases commitment to protecting its customers from fraud and in Chases ability to do so competently. Thus, I chose to spend the time sightseeing, did not contact the authorities, and waited to check the transactions on my accounts and make the call until I was on my way home on XX/XX/XXXX.
During the layover on my return trip, I opened the Chase Mobile App and was shocked to find the charges listed below from XX/XX/XXXX on my Sapphire Reserve card ending in XXXX ( now XXXX ) : XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$27.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1600.00} On my Sapphire Preferred card ending in XXXX ( now XXXX ), I found the following charge from XX/XX/XXXX: XXXX XXXX {$1500.00} I did not recognize the merchant name XXXX XXXX XXXX in any capacity, but drew the obvious conclusion that this entity was affiliated with the XXXX XXXX, as these unauthorized charges posted on my account the same day as the unauthorized charges labeled XXXX XXXX.
When I phoned Chase, my call was received by a non-native English speaker who struggled to understand my account of what had transpired. I attempted to explain to him that both credit cards were in my possession at present, that I did visit the XXXX XXXX but did not make any purchases there in an amount greater than {$30.00} USD at most, and that I did not recognize the merchant XXXX XXXX XXXX at all. I did not recall the exact amount that I had spent at the XXXX XXXX and had not retained my receipts, so I chose to dispute all charges listed above with the exception of the single charge in the amount of {$27.00}. Despite the fact that this particular charge was attributed to a merchant I did not recognize ( XXXX XXXX XXXX ), it was the only charge from the evening in an amount that could possibly correspond to the actual cost of my purchase, and as I have previously stated, I assumed that the two merchants must be one and the same. The individual with whom I spoke expressed a great deal of uncertainty as to which department should handle my dispute, but ultimately decided to pass the issue along to the Fraud Department. I canceled and requested replacements for both cards.
Soon after my return home, I received two letters from Chase via USPS. The letters were dated XX/XX/XXXX and indicated that the charges I was disputing ( on both accounts and with both merchants ) had been reapplied to my account for the following reason : You notified us that this transaction is valid. I was thoroughly confused and quite unsettled by this letter, as I had not then and have not at any point since stated that these transactions were authorized by me, and I most certainly did not notify you of such. I have maintained from my first contact with Chase in regard to these charges that they are ABSOLUTELY NOT AUTHORIZED. I was already quite troubled that your Fraud Department had allowed the charges to be processed in the first placewhats the point of sending a text message asking if I had authorized a highly atypical transaction if youre going to approve the transaction despite receiving no response from me?!? Being told at this point that I had allegedly indicated these charges were legitimate completely eliminated any remaining confidence that I may have had in the Chase Fraud Department. I contacted Chase to inform the Fraud Department that I had not in fact notified you that the charges were valid, and to reinstate the disputes immediately.
After months of communication with Chase in regard to this issue, it is now my understanding that any dispute involving a merchant with whom the customer acknowledges making even one legitimate transaction does not meet your definition of fraud. Additionally, I was told that the incident does not qualify as fraud because the credit cards were not lost or stolen, but were in my possession and were proven by the merchant to be chip transactions ( meaning that the credit card was physically inserted into a chip reader ). It is inaccurate to say that the cards were in my possession ; as I previously stated, the credit cards were in the physical possession of the bartender/XXXX XXXX employees for the entire duration of my visit. It is entirely possible that chip transactions were made without my knowledge or authorization.
I received letters dated XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX stating that all disputed charges with both merchants on my Sapphire Reserve card ( XXXX/XXXX ) had been determined to be legitimate. When I called to contest this result, the Chase employee that I spoke to explained that the situation did not constitute your definition of fraud due to the reasons listed in the above paragraph. She suggested that I instead bring the issue to the Merchant Dispute Department.
When I called the Merchant Dispute Department on XX/XX/XXXX, I was finally informed that the form I had previously been asked to fill out providing further information about the incident had been available in the Statements and Documents section of your website since XX/XX/XXXX. Members of the Fraud Department had told me that this form would be sent via USPS, and I had contacted them repeatedly stating that I had not received it. Additionally, I saw for the first time that the merchants response to my disputes had been posted on the website on XX/XX/XXXX. No one from the Fraud Department had provided me access to this form or merchant response, and this was the first time I became aware that either was available. I promptly returned the form and reviewed all information provided by the merchant. For your reference, I have attached my dispute form as well as a copy of the merchant response document.
Upon reading this document, I found that the merchants response addressed only the charges to the Sapphire Reserve card ( XXXX/XXXX ) listed as XXXX XXXX XXXX, and did not include a receipts for any of the fraudulent charges listed as XXXX XXXX. The merchant had sent copies of only three receipts with signatures : Receipt number XXXX in the amount of {$830.00} USD/XXXX PLN ( pages 5 & 12 ) Receipt number XXXX in the amount of {$1600.00} USD/XXXX PLN ( page 8 ) Receipt number XXXX in the amount of {$27.00} USD/XXXX PLN ( page 11 ) Of these three receipts, only the one on page 11 is shown in an image that is bright, clear, and fully legible. To the left of it is a second documentunlike the first three receipts, this document lacks a signature and at the top reads XXXX XXXX XXXX. A quick XXXX search shows that this translates to Fiscal Copy Paragon, so this document appears to be the merchants itemized copy that relates to the customer copy shown on the rightin other words, both documents refer to a single transaction in the amount of {$29.00} USD/XXXX PLN.
Two other documents appear in the same format ( unsigned and titled XXXX XXXX XXXX ). One is on page 6 and repeated on page 13 in the amount of {$830.00} USD/XXXX PLN, and the other is on page 7 in the amount of {$1600.00} USD/XXXX PLN. Of all the images provided by the merchant, these two are the darkest, the most blurry, and the least legible. Would you disagree that it seems suspect that the merchant has been able to provide clear documentation, including a legible itemized receipt, for the {$27.00} USD transaction, but not for the transactions I am disputing?
I am unable to locate in the merchants response receipts for any of the six transactions associated with XXXX XXXX ( five on the Sapphire Reserve card XXXX/XXXX, and one on the Sapphire Preferred card XXXX/XXXX ). I have to assume that the merchant did not provide these receipts to Chase, or that Chase has not offered me access to them. Clearly, the merchant has not proven that the XXXX XXXX charges are authorized ( no documentation provided at all ), and has also not reasonably proven that the disputed XXXX XXXX XXXX charges are authorized ( provided documentation is dark and not fully legible ).
Upon further examination of the itemized receipts, I found that the same named item is listed for different amounts on each of the fiscal copies. On the fiscal copy on page 11, XXXX XXXX XXXX XXXX ( XXXX translates this phrase as entrance to the artistic use ) is listed at {$29.00} USD/ XXXX PLN. On the fiscal copy provided on pages 6 and 13, this same individual item appears to cost {$830.00} USD/XXXX PLN. On the fiscal copy on page 7, the same item is again listed at a cost of either {$1000.00} USD/XXXX PLN or {$1200.00} USD/XXXX PLNit is impossible to discern due to the dark and illegible receipt. The fiscal copy on page 7 also includes two other illegible items, one in the amount of XXXX or XXXX PLN, and the other in the amount of XXXX PLN, creating a total of {$1600.00} USD/XXXX PLN. This clearly represents fraud or an error, as there is no legitimate reason that the same single product or service purchased at the same venue on the same evening could possibly range in price from {$29.00} to {$1200.00} USD.
After being given access to the merchants suspicious response, I took it upon myself to further research the XXXX XXXX. I came across an episode of a XXXX documentary television series called Scammers Abroad ( in XXXX, XXXX in XXXX XXXX ) that includes a segment filmed at the venue. I urge you to view this segment and take it into consideration when reviewing my dispute. The XXXX XXXX is featured in Season 6, Episode 1 of the series, which can be viewed at https : XXXX XXXX XXXX. Coverage of the XXXX XXXX begins at XXXX, when the host/narrator approaches the venue under the pretense of having a beer. His encounter with the merchant is filmed by hidden camera. First, we see a passerby warn the host that he should go to another club due to the venues poor reputation. An employee of the XXXX XXXX insists that this man lies, and the host enters the venue and orders drinks. At XXXX and again at XXXX, we see the man confirming with a female employee that the amount of his total bill is XXXX PLN. This employee then attempts to run the hosts credit card using a handheld chip reader, and at XXXX tells him that there is a bad connection and asks him to try once more ( XXXX ). The card is declined again, so the host pays in cash and leaves the venue. At XXXX he shows the viewer the receipts from the declined transactions and finds that for the second attempted transaction, the employee has added a zero to the end of the number, thus attempting to charge him XXXX PLN/XXXX EUR rather than the XXXX PLN/XXXX EUR that she had verbally confirmed as his total. I have attached screenshots of both receipts shown in this video ( the first at XXXX and the second at XXXX ). In the first screenshot, you can see that the receipt is undeniably from the merchant that I visitedthe top line reads XXXX XXXX and the second shows the address of the XXXX XXXX, XXXX. XXXX. XXXX XXXX. At XXXX the host returns to confront the merchant, and a sign reading XXXX XXXX can be seen as he enters the venue at XXXX ( see attached screenshot ). An English exchange follows in which the host tells a female employee, I called my bank, and you know what they said? We rejected this because this place is on our blacklist. They do it all the time.
I can only assume that Chase Bank has access to the same blacklist.
I have also attached for your consideration over thirty negative reviews of the XXXX XXXX found on XXXX and XXXX, twenty-two of which specifically mention fraud, scam, or robbery. I have highlighted the relevant phrases for your convenience. Additionally, I have included information from two different sources ( XXXX and XXXX ) regarding the general cost of living in XXXX and listing the average price of a cocktail as XXXX PLN ( {$3.00} USD ). Please also note that the venue is not one that would be described as upscale.
As an individual who has been your loyal client for years, I implore you to reevaluate my dispute with genuine attention, humanity, and logic. I am not a person who spends {$16000.00} at an entertainment venue in a single evening, and this should be apparent from my credit and banking history. Prior to the charges in question, I had only made a total of five transactions in an amount greater than {$500.00} on either card in the entire history of both accounts, and none of those transactions were at an entertainment venue or in an amount greater than {$1100.00}.
These unauthorized charges have been significantly detrimental to my credit score ( which at one point was above 800 ) in particular, the charges on the Sapphire Reserve card ( XXXX/XXXX ) that immediately upon posting put the balance roughly {$5000.00} over my {$20000.00} credit limit. I question why your company would authorize any charges that would cause a customer account to surpass its total credit limit by a full 25 %, especially when the transactions were highly atypical and you did not receive any confirmation from the customer that they were authorized. It is apparent from the text messages I received from Chase Fraud Protection at XXXX XXXX I have to admit that in this situation, I feel that I am both a victim of the XXXX XXXX in XXXX and a victim of Chase Bank at home in America.
I am optimistically looking forward to your review of my dispute, and trust that you will consider the case with common sense and thorough attention.
Sincerely yours, XXXX XXXX
Company Response: Closed with explanation
2019-06-17
Bay Hills, NY
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-06-17
Tonto Basin, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Complaint is with Chase, mortgage # XXXX In XX/XX/XXXX Chase acquired my mortgage from Washington Mutual XX/XX/XXXXwith a balance of {$370000.00}.
Payments were made regularly ( admit there were some late payments arriving just after the 15th of the month ), until a modification was done in XX/XX/XXXX. The modification balance was {$410000.00} with a balloon payment due in XX/XX/XXXX of {$88000.00}, which raises the total amount to {$500000.00} from an original balance of {$370000.00}. From XX/XX/XXXX to XX/XX/XXXX Chase was paid {$92000.00}, with no reduction in principal, and no equity left in the property.
My question is how did the note of {$370000.00} in XXXX get to {$410000.00} in XXXX a {$40000.00} increase in the principal amount when payments were made each month, and still have no equity in the property plus an increase in the balance owed. Since XXXX all payments have been on time, with a current principal balance of {$360000.00}. How is it possible for an original note of {$370000.00} to be reduced by only {$11000.00} over a period of thirteen years. What happened to the {$200000.00} paid to Chase.
since XXXX??
Current balance of principal is {$360000.00}.
Company Response: Closed with explanation
2019-06-17
Lannon, WI
Problem with a lender or other company charging your account
Checking or savings account: Other banking product or service
Transaction was not authorized
Complaint: Had an account with newspaper company -- XXXX XXXX XXXX ( XXXX XXXX ) and subscription expired. They continued services without my authorization and deducted from my credit card without my authorization on two different occasions.
This is fraud and I notified the credit card company who cancelled the card and reissued the card. They continue to do so.
Company Response: Closed with explanation
2019-06-17
Las Vegas, NV
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2019-06-17
Durham, NC
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I have tried to contact this collection agency, CHASE CARDMEMBER SERVICES asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of {$2100.00} is mine. I sent ( 4 ) different letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. CHASE CARDMEMBER SERVICES continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX Credit Report.
Company Response: Closed with non-monetary relief
2019-06-17
Finksburg, MD
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 non-monetary relief
2019-06-17
Orlando, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-06-17
Jacksonville, FL
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem when attempting to purchase vehicle at the end of the lease
Complaint: My vehicle was wrongfully repossessed. I had a XXXX lease through Chase Auto Finance. After the lease term ended, I indicated to Chase that I wanted to convert from lease to purchase and also obtain the purchase financing through Chase Auto.
On or about XX/XX/XXXX, I had been told by XXXX XXXX ( loan originator at Chase ) that my credit application was approved, and I was given the loan terms. I told him I accepted the terms and asked him to send me the documents electronically for completion. XXXX also instructed me to pay the lease payment if another one came due before the purchase loan was processed and that if I continued receiving calls from the lease side I could either answer them or ignore them. This could be confirmed by listening to calls between myself and XXXX.I received the documents electronically but also received them via XXXX overnight XX/XX/XXXX. I executed the documents ( contract, power of attorney ), paid {$20.00} to have my signature notarized on the POA documents, and sent back all documents that were on the provided checklist, along with copies of my vehicle registration, insurance card and driver 's license. These items were returned to Chase XX/XX/XXXX via XXXX overnight. The contract date indicated on the documents was XX/XX/XXXX.
On XX/XX/XXXX, I received a call from Chase Auto. Thinking it was regarding finalization of the loan and how to make payment, I returned the call. It was actually the lease side. I indicated I had returned the purchase documents the week prior and that I assumed the loan would be fully processed and the lease paid out shortly. Also on XXXX XXXX, I received a XXXX envelope at my home. The envelope included a letter from Chase Auto dated XX/XX/XXXX and an odometer disclosure statement. The letter indicated my documents had been received and the odometer statement was all that was needed to finalize the loan. ( Please note : an odometer statement was not part of the original package ). I completed and signed the odometer statement and returned it to Chase Auto XX/XX/XXXX in the XXXX overnight envelope they provided to me.
I never received any further correspondence from Chase Auto.
Another lease payment was due XX/XX/XXXX, so I did as instructed by the retail lending side and paid the lease payment. This payment was accepted.
The first retail loan payment was supposed to be due XX/XX/XXXX. As I still had not received anything further regarding how to pay the loan, and the lease was still showing open for me on the Chase app ad Chase online, I started calling the number provided on the letter of XX/XX/XXXX ( XXXX ). The letter indicated to call that number and choose Option 6. There is NO option 6. I chose option 3 for applications already made, then option 1 for apps made by phone. I have called that number XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. All I ever got is a recording stating they are experiencing high call volume and I will be handled by the next available representative. After 20-30 minutes with no one picking up, I would give up. This occurred more than once a day on most of those dates. I also tried the number I had for XXXX XXXX on XX/XX/XXXX. That number was no longer in service, as they are apparently no longer taking credit apps by phone.
During this whole time, I was monitoring Chase online and the Chase app to see if the lease had been paid off yet.
The evening of XX/XX/XXXX, the lease no longer showed on the app or Chase online, so I thought it had finally been paid by the retail side and closed out.
Sunday XX/XX/XXXX, I walked out of my house to go celebrate XXXX 's Day with my stepfather, and my vehicle was gone. I called the police and was told it had been repossessed. I called Chase at XXXX, which was a number I found online. it was the automated payment number, but I got transferred to the Redemptions dept and spoke with XXXX ( ID number XXXX ) who provided me with contact info for the repossession agent and told me I would have to contact them Monday morning. I explained the situation regarding already executing a contract to purchase the vehicle at the beginning of XXXX, and she indicated she forwarded the situation to Disputes and they would contact me in XXXX hours. I had to then go purchase some items I would need for work the next day, as the items I needed were in the vehicle.
Monday XX/XX/XXXX : I had to find a ride to work. My security badge for work was in the vehicle, so I had to obtain a temporary. The temporary badge did not allow me access through any of the security doors. I work on an enhanced security floor, so could not even get back to my desk if I went out to use the restroom.
At XXXX, I contacted the repossession company I was given by XXXX the previous evening. I informed them this is a wrongful repossession and the finance company would need to return the vehicle to me. I also told them not to do anything with the vehicle including open it, remove contents, cut a key.
At XXXX XXXX I called XXXX again and was transferred to XXXX ( ID XXXX ) in the Redemptions Dept at Chase. She advised me she sees XXXX emailed Disputes yesterday about the situation and we just have to wait for them. I told her this is a wrongful repossession, and I want the vehicle returned today, I asked for a supervisor and was transferred to Account Supervisor XXXX ( ID XXXX ). I informed him of the above course of events. I told him this is a wrongful repossession, and I want the vehicle back today. I informed him I was filing a CFPB complaint and Executive complaint. I made it clear how disturbing this is given the fact that both loans are with the same bank. He told me there is a note that the credit app expired XX/XX/XXXX. He told me maybe I could start the application process again. I asked how this could happen when all paperwork to complete the loan was returned weeks before. He attempted to transfer me to a number for loans, and the call disconnected. He indicated the number was XXXX.
XXXX XXXX : Called XXXX and again received a recording indicating they were experiencing extended wait time.
XXXX XXXX : Called XXXX and received a recording indicating that to apply you need to go online to chaseautoloan.com XXXX XXXX : Called XXXX ( Chase customer service ) again. Agent indicated she didnt see it was flagged for repo and said she was going to transfer me to the Collection Dept. I was transferred to Account Supervisor XXXX ( ID XXXX ) at XXXX XXXX. I gave her the story and again informed her this is a wrongful repo. She attempted to transfer me to XXXX option 3, which is the number Ive been trying to call for weeks and never reached a person. She stayed on the line until XXXX, at which time she told me they were experiencing extended wait time. She suggested I talk to a loan XXXX at a Chase branch who XXXX have a better number.
At XXXX XXXX, I again called XXXX trying to determine why my purchase loan never got properly processed thus leading to the wrongful repossession. I again received the recording indicating they were experiencing extended wait time. It was 2 hours and 5 minutes before anyone came on the line. I held that entire time, while I was also attempting to perform my job. Finally, the call was answered by someone named XXXX at XXXX XXXX. XXXX advised that Resolutions was working on it and had actually contacted her for a piece of information. She stated that the tracking number for the Odometer Statement I sent back to Chase XX/XX/XXXX showed that it was received in the mailroom at Chase XX/XX/XXXX ( the next business day ). She said they need to find out what happened between receipt of the final document and the booking team, as it was not showing as received by booking until a month after the mailroom ( XX/XX/XXXX ). Booking supposedly was reaching out to the lease side for a new payoff. XXXX told me she emailed XXXX ( XXXX? ) from Resolutions who is working on the case and appeared to be at lunch. She stated that she would call me back and recited my phone number to me. XXXX further told me this was not my fault since I had returned everything on time and they would work on trying to get it resolved. Once again, I stressed that this was a wrongful repossession and I wanted the vehicle returned today.
To summarize : I had a vehicle lease with Chase. I was approved by Chase for a new loan to convert from lease to purchase, and I supplied all documents within the requested time. I followed the instructions of the retail side and paid the next lease payment that came due, and it was accepted. Chase admits to receiving my paperwork on time, yet no one started processing it until a month after it was received. Due to the lack of controls and their improper practices, my vehicle was repossessed causing me great hardship, embarrassment, stress and consumed my time. As of this writing ( XX/XX/XXXX at XXXX XXXX ), I have not received a call back, and I still do not have my vehicle.
Company Response: Closed with monetary relief
2019-06-17
Durham, NC
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
Company Response: Closed with explanation
2019-06-16
Chicago, IL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: My card went missing and i didnt realize it until today, i checked my email and they said there has been deposits and money taken out again. I had {$400.00} in my bank account and its gone.
Company Response: Closed with explanation
2019-06-16
Aurora, CO
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation