JPMORGAN CHASE CO.

2019-05-13

San Diego, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I did buy some items thru XXXX, I got I chase card obtain thru XXXX promotional, between XXXX XX/XX/18, I did return some items and XXXX XXXX to my in this card, Chase card start to sent to me bills to paid the amount credited by XXXX because I returned those items, Chase card insist to collect payment of this items amout. I sent via mail and fax 4 times in lapse of 14 months and Chase still don't revise my case and sent to me to collection agence ruining my credit.
Company Response: Closed with explanation

Timely Response

2019-05-13

Buchanan, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-13

El Sobrante, CA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

Philatelic Center, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX XXXX XXXX XXXX reportedly was paid in points and loan closing cost to refinancing my home on XX/XX/2019 that included the next payment process will not be due after 45 days after the loan closed the payment would not be due. On XX/XX/2019 chase report that the loan were transferred over to chase who is currently the new services provider and requested a payment for XXXX. I disagree with paying the XXXX Payment for the following reasons : ( 1 ) XXXX XXXX Report they were the servicers for XXXX and ( 2 ) Chase report they also was the servicer for XXXX ( 3 ) On XX/XX/2019 I called Chase and reported to the Customer Service Department the discrepancy and to investigate the XXXX Payment being applied to XXXX XXXX doing closing and no payment for XXXX will be paid to Chase until further investigation. On XX/XX/2019 Chase Applied {$2200.00} the XXXX payment to XXXX when they were not the server for the loan. I would like for chase to correct there records and my credit report and apply to reflect correct payment history.
Company Response: Closed with explanation

Timely Response

2019-05-13

Bronx, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-13

San Antonio, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-05-13

Arlington, TN

Closing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-13

Oakland, CA

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-05-12

Chicago, IL

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-12

Knoxville, AR

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-12

Houston, TX

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: On XX/XX/2019 I purchased two pieces of furniture and the service to have them assembled and installed. In the course of installation the technician caused intentional and extension damage to the wood floor of the bedroom where the work took place. It was apparently out of frustration for having to work alone on the day in question, whereas he typically has an assistant to support. The cost of replacing the wood floor exceeds the value of the furniture and services purchased. The merchant was unhelpful and refused to acknowledge the behavior of their employee. I disputed the charge with my credit card provider in order to recover the funds and use them towards the replacement of the wood flooring. The credit card provider, Chase Bank, concluded in favor of the merchant without performing a proper investigation. On XX/XX/2019 Chase informed that they had completed the 'investigation ' and determined that the charge was valid because " We can't confirm you're due a credit because we don't have a 2nd opinion letter from a different merchant showing how much it would cost to repair your damaged wood flooring. '' Chase had never requested such information in the course of the 'investigation '. I called Chase to inform the Disputes Department of that fact, and I was told that the case would be re-opened so that a proper investigation be performed. Subsequently, on XX/XX/2019 I received a letter stating once again that the investigation had been concluded, but the reason had simply been adjusted to remove the claim of 'missing information ' that had never been sought. ( All relevant letters are attached to this statement. ) This is highly concerning that a major credit card provider is feigning the handling of dispute investigations and finding in favor of retailers without seeking the necessary facts from the consumer. I have made repeated requests to Chase to re-open the dispute and receive the information needed to make a reasoned judgement. Chase has refused to do so, and does not appear prepared to receive information on the consumer side of a dispute.
Company Response: Closed with explanation

Timely Response

2019-05-12

Palos Park, 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: this company approved me for a XXXX limit. then 3 weeks after card was mailed out to me. the company closed my account for no logical reason. also i accumulated reward points XXXXpts. in which the company will no longer let me used becuase of the closed account. i also called this bank to confirm purchases that i would be making in which they approved me to make the purchases. however once trying to purchase at store card was declined. i called this bank many times to get an understanding for these reasons.
Company Response: Closed with explanation

Timely Response

2019-05-12

Jacksonville, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Company Response: Closed with explanation

Timely Response

2019-05-12

Jacksonville, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Company Response: Closed with explanation

Timely Response

2019-05-12

Wichita, KS

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

2019-05-12

Louisville, KY

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 non-monetary relief

Timely Response

2019-05-12

Wichita, KS

Closing your account

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

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2019-05-12

Galena, OH

Fraud or scam

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

Complaint: I thought I was buying concert tickets from a private seller and felt comfortable doing so thru Chase bank as they promote XXXX as a quick pay option. On XX/XX/19 I sent {$100.00} to a seller. I never received the tickets. I called Chase 4 times that same evening and got 4 different responses. In the end evn though it still shows pending in my account they are saying there's nothing they can do.
Company Response: Closed with explanation

Timely Response

2019-05-11

Boston, MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I didn't receive the advised XXXX UR bonus for opening sapphire checking account after meeting all the requirements.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-11

Country Club Hills, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-05-11

Oak Grove, MO

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-05-11

Oak Grove, MO

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-05-11

San Jacinto, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: My dad tried depositing cash to my account on XX/XX/2019. He was told that cash can not be deposited to my account by Chase. He tried then depositing with his debit card and was told this is not allowed either and that it must be a check, money order or cashiers check. He then got a cashiers check and deposited to my account. Chase put a hold on my account that will potentially cause me a late fee and/or credit reporting issue. Had they accepted the cash I wouldnt have incurred these issues. Cash is legal tender and not accepting cash as a payment is illegal, how is this policy okay?
Company Response: Closed with explanation

Timely Response

2019-05-11

Hinsdale, IL

Other transaction problem

Money transfer, virtual currency, or money service: Virtual currency

Complaint: My brother-in-law sent me {$420.00} through the XXXX app to my chase account. The transaction shows as being completed from his bank and the funds were withdrawn from his account. The funds never came to my account. We have had numerous detailed calls over the course of 6 months with XXXX and Chase. XXXX has provided transaction numbers showing that the funds were transferred to Chase. Chase has given mixed messages, first telling me they see the transaction and then telling me no transaction ever occurred. I am still without {$420.00} and it is on Chase to provide me with a resolution. XXXX has also reached out to them without any response back.
Company Response: Closed with explanation

Timely Response

2019-05-11

MI

Other features, terms, or problems

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

Other problem
Complaint: On XX/XX/19, shortly after using my credit card for a purchase, I received a text message from XXXX stating " Notice XXXX from Chase-Bank Code : Card temporary locked. Please call us now at XXXX " When I called, I was asked to enter my " debit card number, '' and immediately hung up. I don't have a debit card with Chase Bank, and I realized my credit card was with another bank. I called the number on the back of my card, and there was no lock on my account. I also called Chase Bank to report it. They had not made the call. I have since heard from someone else in my geographical area who received the same message from Chase-Bank. I just wanted to report this possible scam.
Company Response: Closed with explanation

Timely Response