JPMORGAN CHASE CO.

2019-05-01

Santa Ana, 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: This is an official grievance against JPMorgan Chase & Co. situated in XXXX XXXX XXXX XXXX XXXX, NY XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, JPMorgan Chase & Co has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Below is the account I had Disputed earlier : CHASE CARD, Account # XXXX, Date Opened XX/XX/2014. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Company Response: Closed with explanation

Timely Response

2019-05-01

Brooklyn, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-04-30

Manhattan, NY

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-04-30

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-30

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-30

Alta Loma, CA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-04-30

Parkrose, OR

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-30

Morro Bay, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-04-30

Grover Beach, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with monetary relief

Timely Response

2019-04-30

PA

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Today XX/XX/2019 Chase bank closed my account, when I called to figure out what was going on and why they closed my account they said they didn't have to give me a reason. I live 100 miles plus from a Chase bank all the money I have was in that account. I tried to talk to several people and they all said the same thing.
Company Response: Closed with explanation

Timely Response

2019-04-30

Bremen, GA

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: A victim of identity theft. Tried to handle it through the bank they said they have no history with me having an account or anything even given my ssn and still no trace of me next you thing I go into the bank and they said my account is closed
Company Response: Closed with explanation

Timely Response

2019-04-30

Hinkley, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: Deposited settlement check from former employer for approximately {$40000.00} a large amount so not unexpectedly a hold of 3 days was placed. On day funds were to be avail ( today ) I get a new email saying five more days ate needed. I called and told Chase Bank could not confirm check hence an additional hold. I asked if anything I can do, like contact the company who signed the check a, which is Fortune 500 company, and therefore shouldnt be hard to validate check. I wonder if hold is due to my XXXX? I have been a member of Chase for at least 2 years and NOT A New Customers. Why the hold up and changing reasons??? Is Chase not comfortable with an XXXX XXXX trying to deposit their hard earned paychecks!!!! Im upset!! ( Told section that has hold is operating loss prevention is this where XXXX XXXX deposits are held??? Cant be legal!!! And
Company Response: Closed with explanation

Timely Response

2019-04-30

CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I opened a new checking and savings account with Chase. I tried to deposit money from my old account, but Chase canceled the deposit and locked my account 3 times. They are doing this to avoid paying the signup bonus and charging me low balance fees. I have been to a branch to complete this transaction and was told that they could not make the deposit. I have called in where at one point they expected me to give my social security number over a conference call. They refuse to unlock my account.
Company Response: Closed with explanation

Timely Response

2019-04-30

Nyc, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I tried to log into chase from a new device, but put in the wrong username. They locked me out as " suspicious ''. They had some phone numbers to call on the site. All numbers are inactive/defunct ( XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) ; TTY support : XXXX-XXXX-XXXX-XXXX TTY support : XXXX-XXXX-XXXX-XXXX ). I called them through the number on my credit card and there was no option to talk to a person. Somehow, I got a person, and was on hold for 30 minutes. They transferred me to 4 other people, and each put me on hold for 10+ minutes. All asked personal questions. Last person wanted to text my old phone ( which I no longer have ) a confirmation message. When it was made clear that that number wouldn't work, they told me there was nothing they can do to unlock my account, and that I had to " find a banker '' to do it for me.
Company Response: Closed with explanation

Timely Response

2019-04-30

Houston, TX

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
Complaint: I bought a new XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX. I paid the loan in XX/XX/XXXXbut chase financial never release the title. I contacted chase several time with no resolution. Each time they told me they will release it but nothing was done. Now I moved to another state and I can not get the registration in the other state because I do not have the title. I will be obliged to rent a car since I can not use my car
Company Response: Closed with explanation

Timely Response

2019-04-30

Bellaire, TX

Other service problem

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

Complaint: DID A BALANCE TRASFER WITH CHASE. THE TERMS WERE NO INTERST ON THE TRANSFER. AND PAY YOUR REGULAR CHARGES. I DID. THEY STILL CHARGE ME INSTREST. THIS IS A FRAUD COMPANY THAT LIES TO CONSUMERS
Company Response: Closed with explanation

Timely Response

2019-04-30

Coconut Grove, FL

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

2019-04-30

Morgan Hill, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-30

VA

Other features, terms, or problems

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

Problem with customer service
Complaint: Date/Time of event : Tuesday, XX/XX/2019. Approx. XXXX XXXX Tried to access my credit card account with JPMorganChase online. Site responded that it did not recognize the computer I was using and needed to send a temporary code to validate the computer ( same computer I've been using to access site for almost 5 years ). Went though the notification routine multiple times first trying to initiate an email to my email address multiple times -- no email with temporary code ever received. Then went to telephone option to initiate call with temporary code. No callback with code ever received. Tried this numerous times with same result -- nothing. Clearly a problem with the system that generates and/or sends the codes to customers in this situation. Called customer service who indicated they could send me a text message with the temporary code. I told them I only have a landline and not a cellphone to receive a text message so they would have to send me the code someone other way -- like email -- or by sharing code with me on the phone ( the very landline and presumably they have caller ID to validate I was calling from the same number ). They said they could not do this, but that I could go to a JPMC branch ( many, many miles away and I only have an online credit card account with JPMC ). To all this I replied that they were making their system problems my problem and were preventing me from accessing my account. I indicated this would be against the terms of the account and that I wanted to speak with their General Counsel 's office, to which they replied they could not provide a bank attorney to speak to but I could always contact my own attorney. I reconfirmed that we were being recorded so the tape could be pulled if necessary, then told them I would report it to CFPB instead and that they had extremely poor customer service. I suggested that if their CEO XXXX XXXX knew the facts of the situation and how their customer service responded so illogically to a customer, he would not be happy and invited them to share the tape with him ( expletives and all ) As of XXXX XXXX ET, I still do not have online access to my credit card account at JPMC.
Company Response: Closed with explanation

Timely Response

2019-04-30

WV

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/XXXX I booked a airline flight with United airline by using my United airline card from chase bank.. when I change the flight the online submission said I would be getting a refund of my purchase flight Then when I called them to see whats going on they said they are not going to give me a refund so I paid XXXX with no service. Because I book another flight and and flew out one day earlier. So basically XXXX of my money that I have to pay the credit card company back is going. It feels like I was rob of my money .i file a dispute with the card company under the fair credit billing act under the reason I been charge for services I didnt receive, I file all the disputes on XXXX the XXXX and in XX/XX/XXXX. I feel like since the card company chase United explore card is affiliated with United airline they will take they side. I never missed a payment with this company can you please help me get my refund. The attached pictures are the pictures of the flights they charge me with that I didnt use. And my boarding passes of the flight I used
Company Response: Closed with explanation

Timely Response

2019-04-30

Cheverly, MD

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I have been in review forever with Chase. My mom passed away and I have provided everything to the lender trying to save the house and assume the loan. They now have placed a sale date on my house and I am afraid I am going to lose my home.
Company Response: Closed with explanation

Timely Response

2019-04-30

Chandler, AZ

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-04-30

San Gabriel, 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
Complaint: Multiple large online transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00}. Filed fraud claim with Chase Bank as soon as I noticed these charges. Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and later sent me a letter notifying me that these unauthorized transactions were valid because I received benefit from these transactions???? Around mid XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud XXXX XXXX XXXX. After calling the number, the XXXX said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. They did not provide me with information on what products or services were purchased/provided, nor could they tell me anything about the charging merchant ( only that they had my information such as name, email, phone number, etc ) and they want ME to PROVE I did not make these FRAUDULENT ONLINE transactions???? I filed a police report, I contacted the charging merchant who would not give me any information about anything, and now Im stuck with over {$12000.00} of credit card charges that I didnt do!!!!
Company Response: Closed with explanation

Timely Response

2019-04-30

San Gabriel, 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
Complaint: Multiple large transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00} Filed fraud claim with Chase Bank as soon as I noticed these charges. Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and sent me a letter notifying me that these unauthorized transactions were authorized???? On XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud Analyst. After calling the number, the associate said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. They did not provide me with what products or services were purchased/provided, nor could they tell me anything about the charging merchant. I am now stuck with over {$12000.00} of extra credit card debt that I did not make with no help from my bank!
Company Response: Closed with explanation

Timely Response

2019-04-30

Spring Hill, FL

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: Made a purchase from Amazon XXXX XX/XX/18 for $ XXXX..Chase Bank..Fax # XXXX.Product arrived missing a part and tried to work with amazon just for the part ... after days of written correspondence with amazon staff that could hardly speak English.. ( I have Copys of Everything ) it was determined I Had to return the whole Product ... Which I did and Amazon confirmed..Amazon said it would have to conduct an investigation . after delay after delay, I called Chase and the Staff recommended I file a Dispute Immediately..Which I did. Soon after Amazon confirmed receipt of the return and issued a refund.My Chase account Balance returned to {$0.00}. Reflected in 2 statements.A month or 2 went buy and I got a Statement with A balance of {$160.00}. When I called Chase ... They said Amazon Had re posted the {$140.00} now {$160.00} charge noting they had not received the return ... This was Amazons ONLY argument.I let Chase Know I had my XXXX Tracking Data an Confirmation and receipt dated XX/XX/18 which I promptly faxed to Chase and they confirmed Receipt. After being passed around for Days by Chase..I get a letter saying they Had Sided with Amazon. After more wasted Phone calls to Chase..So after almost half a YEAR ... .Here I am.
Company Response: Closed with explanation

Timely Response