JPMORGAN CHASE CO.

2019-06-12

NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-12

Las Vegas, NV

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV [ XXXX ] Account Number : XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2019 RE : Fraudulent Information Sent to Credit Bureaus & Rejecting Binding Arbitration On XX/XX/2019 Chase Bank received a lawful Tender of Payment from me. i then started receiving harassing phone calls from Chase Bank to collect a debt. i filed a complaint with the CFPB stating that Chase Bank was violating the Fair Debt Collection Act. In the response Chase Bank told the CFPB that they were within their policies. What policies? Do your policies override that of the Fair Debt Collection Act? Are your policies above the law? Chase Bank then went to the credit bureaus and changed the name from Chase Card to JPMCB card. Chase provided this name change without my consent or acknowledgment. On XX/XX/2019 i receive a letter through USPS from chase notifying me that my agreement was assigned to JPMorgan Chase Bank as successor by merger to Chase Bank USA. Within this document Chase Bank or JPMorgan Chase Bank is attempting to re-contract me after they closed my credit card account again without my consent. In the document under ARBITRATION AGREEMENT it states This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURT ( except for matters that may be taken to a small claims court ). Arbitration will proceed on an INDIVIDUAL BASIS, so class actions and similar proceedings will NOT be available to you. It goes on to say, In arbitration, your right will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY. The Procedures in arbitration are simpler and more limited than rules applicable in court. Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT. Does a bank have the authority to contract me, a women of flesh and blood, XXXX XXXX into giving up my constitutional right? Are you, Chase Bank/JP Morgan Chase Bank claiming to be above the constitution? If so, provide me with the law that states a bank is allowed to contract we the people into giving up our constitutional rights. Provide me with the law that states a bank is above the constitution. Provide me with the law that states a bank is above we the people. Furthermore, can a bank create a binding agreement/contract with no signatures? Currently i am in a dispute with Chase Bank/JP Morgan Chase Bank. i paid Chase Bank in full back in XX/XX/2019 yet they continue to tell the credit bureaus otherwise. After filing a complaint with the CFPB Chase Bank told the CFPB that the payment i provided was not legal. This is a false statement. By telling the CFPB that what i provided is not legal Chase Bank is stating that i am in some way breaking the law. i believe this is Chase Banks attempt to instill fear in me by making me believe that i am doing something wrong when in fact the Tender of Payment i provided is lawful and supported by The Federal Emergency Relief Act of XXXX. Not only is the payment i provided to Chase Bank lawful but Chase Bank accepts the payment as shown in the back of their billing statement. If the Tender of Payment is rejected then it must be submitted back to me within five [ 5 ] days with legal reason as to why it is being rejected. Chase Bank also states in the back of their billing statement that if a payment is rejected they will send it back to me and not cash it or destroy it. It has been 75 days and the Tender Of Payment has not been returned. If the Tender of Payment is rejected then the debt must be discharged. Therefore if the payment was not returned, and the payment is lawful, and Chase Bank accepts the payment then there is no debt. So why are you providing false information to the credit bureaus? Why did you tell the CFPB that the payment was not legal when in fact it is? What am i in debt to you for? According to XXXX XXXX XXXX XXXX XXXX vs XXXX XXXX, 284 Minn.567, 171 N.W.2d 818 ( XXXX ) a bank can not be a lender for a bank has no money so where did the money come from? Is the reason you want to contract me into giving up my right to take you to court due to the fact that you are knowingly breaking the law and you want to prevent me from taking action against you, that is guaranteed by the constitution? Honor the law, and honor the Tender Of Payment, discharge the debt and provide the credit bureaus with accurate information and i will not take legal action. What rights exactly are you trying to take away from me with the arbitration binding? Why have you given yourself the power to chose the arbitration settings? Must i remind you JP Morgan Chase Bank that you are a bank and have no authority over me. Must i remind you that it is you who is under oath to uphold the Constitution of the United States and of Nevada. I XXXX XXXX XXXX, woman of flesh and blood, XXXX XXXX, do not waive any of my rights. I reject your arbitration agreement. I deny any of your accusations that I am an indentured servant to you, you are the one under oath to uphold the Nevada Constitution and the United States Constitution. XXXX XXXX XXXX NOTICE - the address you submitted the paperwork to is not my address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV [ XXXX ] ). My mailing address is the one presented above.
Company Response: Closed with explanation

Timely Response

2019-06-12

La Habra, CA

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-06-12

Haverhill, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-06-12

Federal Way, WA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Someone used my debit card to withdraw {$60.00} from my account. I repotyed this as fraud, my bank later decided this was a valid transaction made by me. It was not.
Company Response: Closed with explanation

Timely Response

2019-06-12

Baltimore, MD

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with non-monetary relief

Timely Response

2019-06-12

IL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: XXXX XXXX XXXX AND XXXX XXXX XXXX DECEASED, WE ARE THE EXECUTOR 's FOR BOTH. XXXX XXXX XXXX XXXX STOLE MY PARENTS FUNDS AND WANT ALL MONIES IN CHASE BACK OR WILL SUE DAMAGES FROM YOU ALLOWING FRAUDULENT CONDUCT. SEE ATTACHED INFO
Company Response: Closed with explanation

Timely Response

2019-06-12

Oxford, GA

Fraud or scam

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

Complaint: On XX/XX/2019 I went to tour a home for rent. I liked the home got the lease and paid deposit through XXXX at my bank Chase. I was frauded. I contacted my bank Chase the same day and was told that my money was just gone and they couldnt help. I gave XXXX. XXXX application fee and XXXX deposit. How can the bank support a problem that has no security. The money was sent to XXXX ( XXXX ) XXXX Through Chase XXXX the fraud person name is XXXX XXXX. I filed a police report with the XXXX Police Department in Georgia. My bank just left me hanging, wouldnt provide me with any information concerning where my money went
Company Response: Closed with explanation

Timely Response

2019-06-12

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I was de-frauded while traveling XXXX in XXXX by deceptive practices. In XX/XX/XXXX, I traveled to XXXX with the tour company XXXX XXXX. They took us to a silk factory called " XXXX XXXX XXXX XXXX '' and encouraged us to purchase large amounts of silk goods and clothing with the promise these goods would be shipped home to us in America. As of this date, I still have not received my purchases. Thank you so much for giving me some recourse. No person in their right mind would pay for goods not received. Chase Sapphire can easily remove these disputed charges, as the charges for this purchase have proven to be fradulent per all my documentation Chase has on file. I am confident one of the biggest banks in the world has adequate insurance for this type of dispute. I trused the XXXX XXXX tour company guide, I trusted the Silk Factory, and I trusted Chase Sapphire to protect me from fradulent activity such as this. Chase has numerous documents on file proving the goods were never shipped and/or received by me. I have spent many thousands of dollars on this credit card since XXXX, and earnestly believed Chase would protect me against fraud of this type, expecially when traveling overseas, with a language and culture barrier. I was given no other choice by the XXXX XXXX Tour company and factory but to have these goods shipped to me, and as stated in my complaint, as of this date I still have not received them. I was not offered or given the option to mail them by air. I need JP Morgan Chase Sapphire Credit Card services to remove the fradulent charge of {$2800.00} so my credit will not be ruined, and my ability to refinace be affected. With appreciation for your services and help in resolving this matter, I remain sincerely XXXX & XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )
Company Response: Closed with explanation

Timely Response

2019-06-12

Cheverly, MD

Problem with a purchase or transfer

Credit card or prepaid card: Gift card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: Hello this is in re : to Amazon {$16.00} Leg Loose Jumpsuit Romper due on XX/XX/2019 Amazon canceled my order for nothing, I paid for XXXX for XX/XX/2019 so Amazon needs to refund me the money back, -Amazon is going down because now they have resorted to underhanded things like selling my debit info to others companies-sad. Amazon claims to have {$30.00} in return funds in return products for me- I would need them just to send to me, most of their new workers can not speak English -this creates a new problem with billing if your staff can not understand, Once -I ask when the product was coming and the staff person - said if you don't like it-just return it. I knew then it was a language barrier going on.
Company Response: Closed with explanation

Timely Response

2019-06-12

Oro Valley, AZ

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-06-12

Oro Valley, AZ

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2019-06-12

Brooklyn, NY

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
Company Response: Closed with explanation

Timely Response

2019-06-12

Oro Valley, AZ

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2019-06-12

Oro Valley, AZ

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-06-11

Auburn, WA

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-06-11

Auburn, WA

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-06-11

Bowie, MD

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
Company Response: Closed with monetary relief

Timely Response

2019-06-11

Los Angeles, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-11

E Palo Alto, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-06-11

Plano, TX

Closing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-11

Richland, WA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with monetary relief

Timely Response

2019-06-11

Rockwall, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-06-11

Vauxhall, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-06-11

1000 Palms, CA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response