JPMORGAN CHASE CO.

2019-03-28

Chicago, IL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-03-28

Compton, 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

2019-03-28

San Antonio, TX

Incorrect information on your report

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

Account status incorrect
Complaint: The date of last activity for a Chase Auto account is incorrect on my credit report. It was erroneously reported as XX/XX/XXXX when in fact it was XX/XX/XXXX when it was closed. We had an automobile accident and while waiting for insurance to pay they did report late payments, which we are not disputing ; however, since the date of last activity was somehow updated incorrectly, it's having a negative impact on my credit score and ultimately preventing me from purchasing a home at this time. When I called to try to correct the problem all I got was a run around. No one seemed willing or able to take this matter seriously.
Company Response: Closed with explanation

Timely Response

2019-03-28

Three Bridges, NJ

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Per your letter dated XX/XX/2019 in regards to the Consumer Financial Protection Bureau Complaint ID : XXXX, I am writing this letter of request and attaching a copy of the death certificate concerning XXXX XXXX XXXX. Please close out the above captioned accounts. Specifically, the sapphire checking account XXXX has a balance of {$5.00} and the premier savings account XXXX was charged a service fee of {$2.00} on XX/XX/2019 that should not have been charged on a deceased account.
Company Response: Closed with explanation

Timely Response

2019-03-28

Chicago, IL

Improper use of your report

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

Reporting company used your report improperly
Complaint: Unauthorized inquiry/inquiries.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-28

Scottsdale, AZ

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: I received a 30-59 day late reporting to my credit for a missed payment on XX/XX/XXXX. I was not given a courtesy phone call nor letter stating I had missed a payment during that month. I was told that the reason I did not receive notification was due to the fact that I was a paperless customer and if I were to look over my statement I would have known I was past due. I sent a certified letter to the executive office advising there were extenuating circumstances that led to the missed payment and that as soon as I realized I rectified my account on XX/XX/19. I have always paid over and above the minimum due and been an outstanding customer. I was contacted on XX/XX/19 by Chase in response to my letter stating they would investigate. I called back on Monday XX/XX/19 and spoke with a representative by the name of XXXX XXXX. I informed Ms. XXXX that I believed I should be given a goodwill adjustment and have the late reporting removed from my credit as it did not reflect my credit worthiness nor my ability to repay my debt. She did not once ask what my extenuating circumstances were and offered a resolution of contacting the bureaus myself. I told her that, that would not do anything and if there were someone else I could speak with. She then appointmented herself as the highest authority due to the fact that I called the executive office and stated that if I were to write another letter she would be sure to respond to it with the same resolution. At this point in the conversation I was completely distraught and actually crying - she shouted over me then stated she would notate my account and have a supervisor contact me. This late payment will potentially hinder me from purchasing my first home and do not believe I have been treated fairly by this institution.
Company Response: Closed with explanation

Timely Response

2019-03-28

Cocoa, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I filed a claim on a fraudulent charge with XXXX and they deemed it not fraud. It most certainly is fraud. XXXX has scammers on their site selling listings that are not real. I showed up to check in and it was not the purchased unit. I complained to XXXX and they did not care so I turned to my bank to help me with this. They reversed the charge and now Chase is fraudulent in reversing the charge on a fraudulent transition. Neither company did their due diligence.
Company Response: Closed with explanation

Timely Response

2019-03-28

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: I relinquished my rights to a house and gave the house to my ex, I made sure in the divorce decree it started I am not responsible for any charges. The home went into foreclosure in 2014 and XXXX has reported late payment activity against me. I have try to dispute it many times. I need help removing this from my XXXX, it is keeping me from accessing the equity I have in the current home I own. My credit is excellent except for that. I hope you can help.
Company Response: Closed with explanation

Timely Response

2019-03-28

Locust Grove, GA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-03-28

Boston, MA

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-03-28

Nyc, NY

Fraud or scam

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

Complaint: I was scammed on XX/XX/2019 for XXXX dollars through XXXX XXXX and it put me in debt and made me overdraft so now I have to pay overdraft fees as well. I contacted chase bank and they refunded the initial amount then the claim closed and said they couldn't get the money back. I have talked to the police for the scam but more so than likely nothing will change so I'm hoping this can help return my money.
Company Response: Closed with explanation

Timely Response

2019-03-28

Washington, DC

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

2019-03-28

Maumelle, AR

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 non-monetary relief

Timely Response

2019-03-28

Palos Park, IL

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with monetary relief

Timely Response

2019-03-28

Robinson, TX

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-28

Senecaville, OH

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-03-28

New Orleans, LA

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 signed a contract for a timeshare/vacation club with a XXXX based company doing business in XXXX. The next day, XX/XX/XXXX, I tried to use the benefits that I was told that I had and was told that the customer service agent didn't see said benefits. I knew that I had a 5 day window to cancel so I tried again the next day, XX/XX/XXXX, to no avail. On XX/XX/XXXX, I went to the sales office and requested to cancel the membership. I was told that they could not because they have no consumer cancellation clause within their contract. On the same day, XX/XX/XXXX, I went on the membership page top contact customer support in order to get email information of speaking with someone to handle cancellations. I was given various email addresses to which I sent the cancellation request to each. On the same date, XX/XX/XXXX, I received a reply stating that someone would contact me within 72 to discuss. From there, I contacted Chase, the issuer of my credit card, to file a dispute. On that call I asked if I needed to provide anything and was told that if anything was needed that someone would contact me. About 31 days later I received a call from a dispute rep stating that they were handling my account and they asked for clarification on the case which I provided. I had not heard anything else until XX/XX/XXXX when I received a call from a customer support specialist named XXXX who advised me that Chase had found the charge to be valid. I was dumbfounded. I asked for explanation and she told me that the merchant mentioned not receiving a request for cancellation, as well as, the contract not have a consumer cancellation clause. From there I told XXXX that the law within the jurisdiction that is mentioned in the contract states that a consumer cancellation clause MUST be included in any timeshare/vacation club contracts and that the company committed fraud. I also explained that I had proof that I provided the merchant with a cancellation request. She suggested that I send a request to reopen the case one the actual document was received in the mail. On XX/XX/XXXX, I received the notice from Chase in the mail once I got home from work and immediately sent the request to reopen the case to the email address provided, along with documents labeled " Chase Document, '' Exhibit A, '' Exhibit B, '' and " Exhibit C '' for review. I called to see it the documents were received and was told that they were not and to wait a few days. I did and called back but still nothing so I resent the info. Waited and still no word. I sent it again and two days later, the documents were in my file. From there I wanted for a status but got nothing. On XX/XX/XXXX, I called to obtain a status update and was told that it was solved and that they deemed the charge valid again. I asked for the reason yet again and was told that the notice cited " no new information that could be used. '' This confused me since everything that I submitted was new and the laws are clearly outlined and highlighted so no one had to search for anything. I asked to speak to a manager and was transferred to the disputes supervisor, XXXX. XXXX was rude, overtalked me and when I asked her to slow down so that I can understand her and ask specific question, she got frustrated and even more rude. She informed me that my cardmember agreement states that I have 60 days to file a dispute for errors on my account and that those 60 days had passed. I explained to her that I filed the original dispute 3 days after the charge was made. She responded stating that the time does not stop once I file the dispute so it is pass time to compel the merchant to return the funds. I mentioned to her that it was over 90 days before the original dispute was resolved and that I was told that I can request to have the same case reopened. She was frustrated and so was I. I hung up and called back hoping to speak with someone new. The original representative transferred me right back to her and she was even more rude than before. I asked for the number to a corporate office and was denied, I asked who I could speak with that was above her and was denied. I asked is there anyone that can explain the reasoning to me and was denied. I then asked XXXX if the 60 day time period that she told he has lapsed, was mentioned in the notice. She would not answer directly and finally after some back and forth she mentioned that it was in the notes and not the notice. I then called Chase customer service and asked if there was a way to escalate my plight and was given an address and email address. Once I arrived home, I did some research on this 60 day clause mentioned by XXXX and found that I actually have 60 days after the billing cycle to file. I did so before the billing cycle on XX/XX/XXXX ( Billing cycle ended on XX/XX/XXXX ). I also found that, according to the Federal Trade Commission ( FTC ), Chase has to resole the issue within 2 billing cycles, not to exceed 90 days. Chase took 3 billing cycles ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The notice that I received on XX/XX/XXXX from Chase is dated XX/XX/XXXX ( 92 days since my original complaint. According to the FTC website, ( XXXX XXXX XXXX ), " The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' It also states that, " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period. '' I believe that due to both the merchant, as well as, Chase not following regulation, I should be refunded the {$15000.00} charge that was initiated on XX/XX/XXXX. I have attached all documents for review.
Company Response: Closed with monetary relief

Timely Response

2019-03-28

Quartzsite, AZ

Loan payment wasn't credited to your account

Payday loan, title loan, or personal loan: Payday loan

Complaint: The phone number for XXXX XXXX went dark after they deposited a check deducting {$1400.00} from my account. Chase said the check was fraudulent and closed my account while still accepting my funds to cover the insufficient funds. Chase said I can dispute everything after the check has cleared, but how can that be if it is fraudulent? I was told by XXXX I can open a new account but at the bank I was denied that chance due to a negative balance from all the fees Chase charged. They treated me like I was a criminal when I was the one who was hacked!
Company Response: Closed with explanation

Timely Response

2019-03-28

Encino, 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

Timely Response

2019-03-28

IL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: This happened in XX/XX/2017. I received a quickpay from someone ( " XXXX XXXX XXXX '' ) who wanted me to buy XXXX Giftcards which got flagged by Chase. I later called them to tell them that the person whom I received the money from is a scammer. However, they decided to make it such that my account would be locked unless the person who sent the quickpay calls Chase and confirms the quickpay. But the problem is I don't know the person and I couldn't contact him after that. A few weeks later, XXXX forced me to close my checking account and suspended my internet banking access. This makes me paying my credit card bills extremely inconvenient as I have to make phone payments. I tried complaining to the XXXX back in XX/XX/2017 which got my internet banking access reinstated for about 2 weeks. However, Chase once again shut that down. I'm only making this complaint now as I didn't know the CFPB is another avenue I can try to get back my internet banking access.
Company Response: Closed with explanation

Timely Response

2019-03-28

Hollywood, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-03-28

Dulac, LA

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-03-27

Desoto, 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

2019-03-27

Farmingtn Hls, MI

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-03-27

Tucson, AZ

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response