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Shawn-Liu

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i reported a fraudulent charge and asked for the credit card to be closed but instead customer service closed my entire account now my credit age resetted and credit score dropped points

Credit card or prepaid card

i purchased my home with my first payment being due they sold my load to xxxx xxxx who is using jp morgan chase as the servicer of the loan i called immediately when i got their letter to advise that i wanted to pay my mortgage every two weeks so i could save on interest i was advised they had a new program that would accomplish that but it wouldnt be ready until xxxxxxxx and to call back i called back a couple days before xxxxxxxx to see if their program was ready and when i was speaking with the rep i told her i wanted to pay every two weeks to reduce the principle on my loan to save interest and she said as long as i paid the full amount before the xxxx of the month the payment would be considered on time and i would accomplish what i wanted after making the first months payment half on xxxxxxxx and half on xxxxxxxx i logged in to check to be sure all was applied as expected and found out they didnt apply my first half payment on xxxxxxxx until the second half was paid on xxxxxxxx i called to discuss this with them and was advised that if i signed up for their automatic biweekly payment program that i would accomplish what i wanted which led me to believe that my payments every two weeks would be applied when paid because i had to pay for xxxx by paying on xxxxxxxx and on xxxxxxxx i had to make a full payment for xxxxxxxx before xxxxxxxx so i paid my full payment on xxxxxxxx when they took out the first automatic payment on xxxxxxxx i logged in to make sure this time that it had applied as expected i found that they didnt apply my payment so once again i called that was when i found out that they wont apply the payment until the second one is received which was totally misleading to me because i made it clear numerous times that my issue with paying twice before the xxxx of each month was that they didnt apply the first half when received and was given the impression that this automatic program would accomplish this as it is all this program does is take my money and it sits there not saving me any interest on their end because its not applied to anything and not earning any interest on my end because its not in my savings account anymore at the end of the day jp morgan chase associates do not know how to advise consumers about how the program works they dont listen to the consumer because i was very clear in what my expectation was and i lost the interest i could have earned on the money they took and did nothing with their program is flawed and i believe there are more consumers out there who havent taken the time to make sure their payments are being applied as expected and who would be upset if they found this out this program was new in xxxxxxxx so there may not be a lot of victims at this time which makes it a perfect time to register a complaint in hopes that they can rectify the issue before it gets worse when i registered a complaint with jp morgan chase today xxxxxxxx they didnt understand what i was saying how it didnt benefit me in the way i had expected and was told so i dont feel like they plan to do anything to make their program better or at minimum accurately infor their consumers i feel that consumers need to be advised to check their mortgage payments online to ensure the servicers of their loans are processing the payments correctly if i hadnt checked every time i made a payment and just assumed they were applying it to my loan in the way i expected them to i may have continued on this program and continued to lose money on interest by giving my money to them to do nothing with when it could have been in my savings account earning interest i can save more on interest by paying an extra per month on the first of each month reducing my prinicple every month vs letting them take half the payment biweekly thereby reducing my principle only twice a year and im earning interest while the money is in my savings vs in their bank earning nothing because im not paying it ahead of time but instead when its due

Mortgage/Loan

chase marriott card caller left me a voicemail regarding a correspondence along with a phone number to call them back called phone number and spoke with agent she would not connect me with the other party nor provide details to what the original call pertained to representative kept repeating the same question and telling me i was being argumentative and unwilling to provide her with the details she needed to connect the call the correct party even though i provided a wordforword account of the message that was left for me representative then threatened to take immediate negative action on my account if i would not set up a payment plan

Mortgage/Loan

consumer financial protection bureau xxxx xxxx xxxx xxxx ia xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx ca xxxx xxxx xxxx dear consumer financial protection bureau my name is xxxx xxxx and i am filing a complaint against the chase bank on xxxxxxxx i xxxx xxxx decided to get a patent from xxxx xxxx xxxx xxxx xxxx xxxx said it would take about a year to get my idea patent i found out on xxxxxxxx after continuously calling xxxx xxxx xxxx that it was fraud the company is being investigated by the federal trade commission i know there is no statute of limitation for fraud i never got my patent i paid it using my chase account over the phone i called chase to tell them about this incident but they do not want to refund the money that i gave for my patent even though it was fraud the federal trade commission entered a preliminary injunction indefinitely freezing xxxx xxxx xxxx and xxxx xxxx xxxx is the receiver xxxx xxxx xxxx receiver telephone xxxx email xxxx my complaint is that chase says that it protects against fraud but i know that is not true because chase has not accepted my case to be fraud and reimburse me for the money that i paid which a total of on xxxxxxxx and on xxxxxxxx the xxxx was the first payment i made for research to start my patent where i only received a portfolio i received a portfolio which i took to a patent attorney who said it was not researched well sincerely xxxx xxxx have a blessed day

Theft/Dispute Reporting

i was the victim of fraud in xxxx using two of my chase cards one i contacted chase about assisting me in my fraud claims they just closed all my accounts with them i have been a loyal customer with them for over a decade and never paid a bill late and never had any problems with them pthere is absolutely no reason to just close my account

Bank Account services

i have been a credit card customer of chase since xxxxxxxx on xxxxxxxx i received notification that my credit card interest rate was increasing from to on purchases the reason for the increase was because your aprs are below the lowest apr we currently offer on similar accounts we also took into account your other chase relationships when making this change when i called customer service and asked what my options were they stated that if i did nt want to accept this change i could reject the change and then my account would be closed i would not be able to charge anything further and that i was responsible for paying back the outstanding balance chase had upgraded me to a chase sapphire card due to my excellent payment history and responsible use of the card please note that back in xxxxxxxx or xxxxxxxx my rate was changed to a higher rate due to a late payment i never again made a late payment from that point on we had recently gone abroad for vacation and i called to ask for a line increase just in case we needed it while on vacation and no one mentioned that this rate increase was coming and they added more of an increase than i even requested i asked for a xxxx increase to my line amount and instead they increased my line to xxxx so now the outstanding balance is very high and i feel like they are taking advantage of my high balance to gain more interest i signed an agreement and feel that i have lived up to my end of the bargain chase never stated to me that they could raise the interest rate because i did nt have other accounts with chase or because my rate and my agreement was better than what chase offers currently they offered me no alternatives to keep the rate that i have this can not be legal this rate increase will pose a significant hardship to me on paying off this balance does customer loyalty making payments on time and as agreed to not count for anything anymore why in the past years have i never experienced this kind of rate increase before the only large rate increase prior to this was my fault due to a late payment

Mortgage/Loan

i spoke to chase credit card and asked them to remove the late fees because i paid all my credit cards automatically i spoke to them about the late fee which they mentioned was in error and they took it off but now they are just leaving the lateness on my credit report which is wrong i called them and informed of the situation which no body is ready to resolve it

Credit card or prepaid card

i have filed a complaint before case xxxx i was hit with a double whammy yesterday xxxx with not but harassing letters from jp morganchase demanding that i pay them more money after i had sent them a check in the amount of along with a letter stating that this was payment in full and i would not pay anything else but jp morganchase is still harassing me for a mere if they had nt blocked my ability to pay online as they have they would have gotten that final payment the day the statement was received but no i had to send the payment vial snail mail arentca nt they be satisfied with the xxxx i sent them to pay off this debt this is nothing but harassment on their part what next they are going to foreclose on my house for a freaking it s their fault that they blocked my ability to pay online and to send them emails i ve had it with this fradulent banking corporation i totally refuse to pay this what then after i pay that amt they are going to come after me for more money for padded bogus fees whatever i ve had it and i m going to take a stand even if you are not i m so xxxx against them and have xxxx tired of their intimadaton harassment and threats it is nt funny this banking organization jp morganchase as i have found out has had numerous complaints against them and they have been accused of fradulent banking practices but your organization ignoresturns a blind eye to that why because they re a huge corporation and your afraid of taking them on i have been going through their xxxx for almost years and i m tired of it

Mortgage/Loan

hi there my name is xxxx xxxx on my credit report it shows that i do own credit card from chase bank which is incorrect due the fact that i never open teen or have a chase bank account clearly he seems like someone else using my identity to obtain a credit card under my name therefore i m writing to agency today to decline any responsibilities regarding this matter also asking your agency to assist me to identify who is the person that is using my name and releasing me from any responsibility related to this matter your maximum cooperation much appreciated thanks

Credit card or prepaid card

i receive a large amount of cash as a loan from a company to do a loan consolidation i went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance the transaction was initially declined due to the daily transaction limits immediately i received a call from chase s fraud department xxxx asking if the transaction was something that i was doing i explained the transaction and asked if i were to be charged any additional fees by processing this transaction and was told no they then increased my limit for this payment and i paid off the loan at the other bank days later i received a fee i called customer service xxxx and was advised that it was a bank error and that it was approved to be refunded and the money would be in my account today i began processing additional transactions later that night i called today after seeing the funds were not in my account and was told the transaction was declined because it was nt a bank error i called today to speak with a supervisor xxxx who was very unprofessional and confused about her processes or her job responsibilities i then asked to speak with her supervisor xxxx who informed me that this would be declined not understanding the seriousness of what transpired this is going to cause my nsf charges and without this money i will not be able to pay my rent and incur additional late fees etc because of that i m a good customer and have never had an issue with the bank or any bank for that matter and just want them to honor the information that i received and refund me immediately the money that they stole i will be looking for a new bank immediately

Theft/Dispute Reporting

on jpmcb card add a hard inquiry on my credit report per xxxx

Credit card or prepaid card

so i get this alert today from the credit bureaus that a new hard inquiry was added to my credit reports and im curious on how they got there because i have not applied for any kind of credit or credit card im flattered how the credit bureaus allowed this to hit my report when i have my credit reports locked i assure you the hard credit inquiry that hit my credit report today was not done by me and i will continue to file complaints until it is removed from all reports

Credit card or prepaid card

hi i am currently a working professional who went through a financial hardship while i was in college during the fall of xxxx i was accumulating credit card debt and was struggling to make some monthly payments i received day past due email notifications and daily phone calls of my credit card accounts going delinquent from chase bank of whom i had my credit cards issued from they suggested that i enroll in a debt repaymentconsolidation program through their third party xxxx xxxx to help alleviate the payment burden i enrolled and the chase rep informed me that this will bring your account current as long as i made payments through them from the onset of making the first payment via xxxx xxxx the late payment notifications stopped both via email and phone calls i continued to make payments for the next three years see attached via xxxx xxxx and never missed a payment a few months ago i ran a credit history report and saw that chase reported missed payments for the cards that i was enrolled through the program this shocked me as i was under the impression that i was up to date with paying down my debt having these missed payments on my credit report was detrimental to my goal of building back my credit there was a missed payment that was getting carried over month to month from which was hurting my credit score i was never notified of this from either chase or xxxxxxxx xxxx per chase policy missed payment of days or more chase will begin physical mail email and phone communication notifying consumer of a missed payment i received neither mail email or phone notification in addition to this the credit report for the missed payments shows days past due for over years which is a glitcherror since a true missed payment would upgrade into day status over that time period i contacted chase about this issue and even escalated it to their executive branch they insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments i even pointed out that i received no communication from them about my account not being current but my statement was ignored after the phone call had ended i magically received an email from chase for the first time in over years that my credit card payment for that account was past due this upset me even more but i made the payment to bring the account current today i paid off both cards via xxxx xxxx through a lump sum payoff

Mortgage/Loan

on or about xxxxxxxx i experienced fraudulent activity on my personal checking account and had to close the account and open a new account during this time i had to contact all of my creditors and inform them of the new account information and setup autodrafts all over again chase bank was one of these creditors i did not make any changes to my autodraft with chase bank freedom card because it did not have a balance and no amounts were being autodrafted at the time sometime in xxxx chase bank enrolled me in paperless statements without my consent or permission i have never opted into paperless statements because in past experiences the email that i received about my new statement would end up in the spam folder of my email in xxxx of xxxx i used my chase freedom card for a series of purchases totaling around i was under the assumption that the autodraft was still in place and that a statement would come in the mail but it never autodrafted and a statement never came sometime in xxxxxxxx i received a call from chase bank informing me that my credit card account was more than days past due i immediately made a payment to clear the matter up i then began investigating how this happened and why i found out after speaking with chase bank s executive team that my account was enrolled in paperless statements and that my autodraft had been cancelled by chase bank i did not cancel the autodraft chase bank cancelled it not only did they cancel it but the communication that it had been cancelled was sent via email due to the paperless statements that i was incorrectly enrolled in by chase bank chase informed me that i signed up for paperless statements however i did no such thing i informed chase bank of this and they simply ignored it they also ignored the fact that they cancelled the autodraft not me after completing some research i found out that chase bank incorporates a popup window on their website for my credit card account on this popup you must hit the continue button before hitting the continue button i noticed that there is a check box that is already checked before you hit continue what this means is that chase bank is forcing consumers to agree to paperless statements without the consumer knowing because this check box is already prechecked what this means is that the consumer must first look closely to see that the box is already checked and they must uncheck the box before hitting the continue button this is a major issue and will likely lead to a large class action lawsuit against chase bank if i can not get this issue resolved with chase bank i will be the one that initiates this class action lawsuit after bringing light of all of this to chase bank they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report i have been utilizing credit since i was xxxx xxxx xxxx and in my years of using credit i have never paid anything late ever

Bank Account services

re chase bank unlawful credit card debt collection practices due to a loophole through the court system and a chase bank credit card chargeoff in for i have been issued a wage garnishment now totaling through a debt company xxxx xxxx after a long effort to prove unlawful judgements deceptive affidavits debt flipping and az interest rate violations my motions to vacate the case have been denied xxxx xxxx had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and or ignored by the courts also some spreadsheets provided by xxxx resemble robosigned copies of uncollectable debt transfers the socalled debt was passed along through various debt collectors through incomplete bills of sale i have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies this has affected my ability to obtain credit financing and possible employment in the past years collection information about the debt left an impossible burden of challenging the errors now the a month garnishment has also caused financial hardship the successful debt collection lawsuit against chase bank proves wrongdoing by xxxx xxxx debt buyers and the bank the repeating many times over of resale of debt often for pennies on the dollar is excessive i will include in this complaint various court documentation unsuccessful debt verification and credit report documentation if any other documentation is needed i can supply this on demand

Credit card or prepaid card

to our surprise chase is being charging us on the credit card and when i called them they claimed that they had told me this when i signed up for the card which is nt true because i recalled the guy telling me then they said they wanted to check the recording and came back to tell me they did nt said when i said i was recording the call and they will provided it to the state attorney general office they suddenly left and came back to tell that they ca nt talk if i am recording

Credit card or prepaid card

chase xxxx credit card charged me xxxx service fee even when told them that i am not going to use this credit card and do not require their services for travel the chase representative refused to refund xxxx fee even i told them that i am not going to use this card

Theft/Dispute Reporting

i am filling a complaint against xxxx xxxx xxxxjpmorgan chase co i have four primary complaints xxxx xxxx xxxxjpmorgan chase co paid a ticket i told them not to because i was contesting the ticket in court loss xxxx xxxx xxxxjpmorgan chase co failed to offer me a free xxxx vehicle inspection when i was performing my end of lease buyout as is guaranteed in the lease agreement xxxx loss xxxx xxxx xxxxjpmorgan chase co took months to send me my title after i purchased my vehicle which resulted in the expiration of the xxxx vehicle inspection i paid for at the time i purchased my vehicle void expires after days requiring me to get another xxxx vehicle inspection before i can buy tags for my car loss xxxx xxxx xxxxjpmorgan chase co charged me in xxxx state taxes at the time i purchased my vehicle but failed to mail me a check for for me to purchase my title or transfer my title to xxxx for me causing me to have to pay another to get my vehicle titled loss in total xxxx xxxx xxxxjpmorgan chase co have caused a net loss of xxxx now i will provide details for each issue above i moved to xxxx xxxxxxxx i had renewed my tags in xxxx in xxxxxxxx on xxxxxxxx i was parked on my street and ticketed for expired tags again i must emphasize i had renewed my tags in xxxxxxxx so the ticket was erroneous therefore i followed the instructions on the back of the ticket to contest it and immediately mailed the ticket to the indicated address the next day xxxxxxxx i should also note that the fine was if paid within days and if paid after days but before days in xxxxxxxx i saw a charge for a ticket appear on my xxxx xxxx xxxxjpmorgan chase co account i immediately xxxx xxxx xxxxjpmorgan chase co they informed me that they received a copy of the ticket and that they were going to pay it i explained that the ticket was erroneous that i had contested the ticket and that i was awaiting a court date xxxx xxxx xxxxjpmorgan chase co acknowledged understood my situation and said they would not remit payment for the ticket additionally a note about this conversation appears on my account with xxxx xxxx xxxxjpmorgan chase co i received notification that my court date was scheduled for xxxxxxxx when i was called in court the judge asked me to explain why i was contesting the ticket i showed the judge that my registration had been renewed in xxxxxxxx as the date of renewal was indicated on my registration he agreed the ticket should not have been issued but when he went to dismiss the ticket he saw that the ticket had already been paid by xxxx xxxx xxxxjpmorgan chase co the judge told me that by xxxx xxxx xxxxjpmorgan chase co paying the ticket it was an admission of guilt on my part that the court doesnt issue refunds and that i should contact xxxx xxxx xxxxjpmorgan chase co for reimbursement therefore i called xxxx xxxx xxxxjpmorgan chase co and explained what happened in court the representative opened a case for me and said the case should be resolved within three weeks however a month went by and i received no notification therefore i called xxxx xxxx xxxxjpmorgan chase co again went through the same process with a new representative and was again told the case should be resolved in three weeks however another month went by and i again received no notification so i called a third time again i explained my situation to a new representative and was told my case should be resolved within weeks but once again a month went by and i received no notification but when i called xxxx xxxx xxxxjpmorgan chase co this time the representative informed me xxxx had reviewed my case but simply never informed me of the result with the result being that xxxx refused to reimburse me the because as they put it they pay tickets so the car doesnt get towed this point is completely invalid as i had requested a court date the day after receiving the ticket despite having days to do so summary received erroneous ticket on xxxxxxxx contested ticket requested court date and returned ticket to appropriate office xxxxxxxx told xxxx xxxx xxxxjpmorgan chase co in xxxxxxxx that i was contesting the ticket and to not pay it appeared in court in xxxxxxxx the judge was going to throw dismiss the ticket but was unable to because xxxx xxxx xxxxjpmorgan chase co had gone against my instructions and paid the ticket loss and hours from repeated calls and a wasted court appearance i only recently found out that xxxx xxxx xxxxjpmorgan chase co offers a complimentary state vehicle inspection if the customer wants to purchase their vehicle at the time their lease expires specifically days before lease maturity however xxxx xxxx xxxxjpmorgan chase co never offered me this service despite the fact i was going through the vehicle purchase process beginning xxxxxxxx and my lease was due to end on xxxxxxxx as an aside xxxx xxxx xxxxjpmorgan chase co failed to sign an odometer certification form before the form expired this paperwork required me to go to the bank financing my vehicle purchase therefore i had to take another couple of hours out of my day to go back to my financing company and fill out the odometer certification form again summary xxxx xxxx xxxxjpmorgan chase co did not inform me of my free xxxx vehicle inspection at the time of my lease buyout xxxx failed to complete forms in a timely manner costing me hours out of my workday loss xxxx depending on where inspection takes place and hours due to a repeat visit to my financing company in xxxxxxxx i attempted to get xxxx tags however i first needed to transfer my title from xxxx to xxxx therefore i contacted xxxx xxxx xxxxjpmorgan chase co informed them i needed my title so i could transfer it to xxxx thus enabling me to get xxxx tags shortly thereafter but still in xxxxxxxx i purchased a xxxx vehicle inspection for so that i could purchase my vehicle required by the financing company and obtain xxxx tags after the title was transferred into my name xxxx xxxx xxxxjpmorgan chase co did not send me my title until the middle of xxxxxxxx however the title was not sent to me because i purchased my vehicle month earlier at this point but from my original request stemming from early xxxxxxxx therefore the title had not been signed over to me thus i sent the title back and informed xxxx xxxx xxxxjpmorgan chase co that i needed my title back after it had been signed over to me i still had not received my title as of middle of xxxxxxxx so i called xxxx xxxx xxxxjpmorgan chase co spoke with a representative informed them i was still waiting on my title and was informed theyd immediately send it out however i still had not received my title as of late xxxxxxxxearly xxxxxxxx so i called xxxx xxxx xxxxjpmorgan chase co spoke with a representative informed them i was still waiting on my title and was informed theyd immediately send it out as of the middle of xxxxxxxx i still had not received my title and i was receiving letters from my financing company that if i didnt get the title in my name and list my financing company as the lien holder in a timely manner that my vehicle would be repossessed so i called xxxx xxxx xxxxjpmorgan chase co spoke with a representative informed them i was still waiting on my title and was informed theyd immediately send it out finally on xxxxxxxx i received my title however this was well past days rendering my xxxx vehicle inspection expired and required i get a new xxxx vehicle inspection so that i could purchase xxxx tags summary i had to purchase a xxxx vehicle inspection in xxxxxxxx for this should have been provided by xxxx xxxx xxxxjpmorgan chase co see complaint xxxx xxxx xxxxjpmorgan chase co failed to send me my vehicle title until months after i purchased my vehicle approximately a month after my xxxx vehicle inspection expired thereby requiring i purchase another xxxx vehicle inspection so that i can buy xxxx tags loss and approximately hours due to repeated phone calls requesting my title and another xxxx vehicle inspection before i finally received my title in xxxxxxxx xxxx xxxx xxxxjpmorgan chase co told me my package would include my title a bill of sale and a check to pay for the taxes once i titled my vehicle these taxes were factored into my buyout price for this purpose however when my package arrived there was no check thus i once again called xxxx xxxx xxxxjpmorgan chase co and told explained the issue the representative apologized for not including the check and said the check would immediately be sent out two weeks later another package arrived instead of receiving a check i received a letter stating that xxxx xxxx xxxxjpmorgan chase co doesnt issue a check for taxes but instead remits the taxes directly to xxxx using their tax id number note that the tax id listed on this new document differed from the one they included on my bill of sale the letter went on to say that i should simply take this letter my bill of sale and my title to the xxxx to transfer the title to my name assuming this letter was true but admittedly skeptical of the situation due to my experiences to this point i went to the xxxx in xxxxxxxx the first representative i spoke with had no idea what the letter was indicating and said that she had never heard of taxes for a title being handled in this way so she passed me along to a supervisor the supervisor gave the same confused look said he had never heard of this that there was no way to verify that xxxx xxxx xxxxjpmorgan chase co had remitted sales tax using of the two tax ids they provided and that nothing indicating my car had sales tax for it remitted appeared anywhere in their system he checked my vin number and a variety of other identifiers the supervisor then disappeared for approximately minutes to call the state headquarters once the supervisor returned he said the state headquarters definitively stated that titles are never handled in this way and he has no idea what xxxx xxxx xxxxjpmorgan chase co were referring to with their letter thus i once again called xxxx xxxx xxxxjpmorgan chase co while at the xxxx and spoke with a representative the representative said xxxx xxxx xxxxjpmorgan chase co doesnt distribute sales tax checks directly contrary to the first two reps i spoke with concerning this issue but consistent with the letters xxxx xxxx xxxxjpmorgan chase co sent but that she could fax a letter to the xxxx stating that sales tax was directly remitted to the state i explained to her that i already had two letters stating this and that everybody in the xxxx from a clerk to the state headquarters said that things do not work that way and that the letter is referring to something that doesnt exist so i put her on the phone with the supervisor the xxxx xxxx xxxxjpmorgan chase co rep told the supervisor xxxx xxxx xxxxjpmorgan chase co had remitted sales tax directly to the state to which the supervisor responded that this is not how things work theres no way to verify that and that nothing appears in their system indicating that at this point i walked away to finish my conversation with the xxxx xxxx xxxxjpmorgan chase co rep she indicated she would open a case investigating what happened to the money i paid to xxxx xxxx xxxxjpmorgan chase co for my xxxx sales tax to this i asked if she could guarantee that i would be reimburse for the title i had to purchase that date and she said no thus i simply had to be satisfied with the fact they were opening a case investigating what happened to the i paid to xxxx xxxx xxxxjpmorgan chase co for my xxxx state taxes see the above complaints for proof on how well xxxx xxxx xxxxjpmorgan chase co investigations work out consequently i had to pay another at the xxxx so i could purchase my title additionally i called xxxx xxxx xxxxjpmorgan chase co back and asked for proof they had remitted sales tax to xxxx even if this was not the process for how things should have proceeded but xxxx xxxx xxxxjpmorgan chase co said they could provide no proof at that time thus the i paid to xxxx xxxx xxxxjpmorgan chase co for my xxxx sales tax has magically disappeared and i subsequently had to pay the amount at the xxxx i should also note that i had to use a credit card since i was not expecting to pay this charge and am thus also accruing interest on my payment summary xxxx xxxx xxxxjpmorgan chase co collected from me to later be used for xxxx sales taxes which are collected at the time of title transfer xxxx xxxx xxxxjpmorgan chase co originally told me a check for would be included in my lease buyout package that contained my title and bill of sale xxxx xxxx xxxxjpmorgan chase co did not include the check for in the original package said it was a mistake and indicated they would send out the check xxxx xxxx xxxxjpmorgan chase co instead sent a letter saying they do not issue a check back for the taxes but instead directly remit sales tax to the state of xxxx and that my letters would serve as proof of this so i didnt get charged again when obtaining my title no one in the xxxx xxxx at any level has ever heard of remitting sales tax in the way described above and insists it doesnt exist xxxx xxxx xxxxjpmorgan chase co can provide no proof they remitted sales tax to the state of xxxx despite paying to xxxx xxxx xxxxjpmorgan chase co for xxxx sales tax to be used to transfer my title to my name at the time i purchased my vehicle i again had to pay to the xxxx because they indicated they had no idea what xxxx xxxx xxxxjpmorgan chase co was talking about with how they remitted sales tax loss and hours for phone calls and extra time spent at the xxxx

Others

i have a chase bank account and they have blocked my account and debit card i called numerous times and they are unable to verify me by my name social secruity number and driver lciencse number they always say i am not in their system i always get the message when logging in to provide my ssn but they always reject me

Bank Account services

i had an incident regarding a bank robbery at a chase bank atm about months ago a man outside the bank followed me inside and demanded i cash his fake check and give him the amount on it i was fearful for my life and did whatever was asked of me as this was late out and i was alone i spoke to the police and gave the police report to chase bank after they asked for it but they still rejected the claim

Bank Account services

the primary reason for my complaint is that chase mortgage who is the servicer for my loan xxxx is in violation of dual tracking chase has notified me of a foreclosure date of xxxx xxxx while i am in active consideration for a modification i have submitted my full application for a modification on xxxx xxxx they requested additional information which i sent to them on xxxx xxxx i received a letter on xxxx xxxx notifying me of a foreclosure sale date of xxxx xxxx i called and spoke to a customer assistance specialist at chase on the xxxx of xxxx they explained that the information i submitted needed to be resubmitted with some corrections which i immediately corrected and faxed back to them on xxxx xxxx i also questioned why a foreclosure sale had been scheduled when i am in active consideration for a modification the specialist told me that once they had everything the application would be submitted to underwriting and that at that time the sale could be postponed i have submitted several modification applications with this lender they have repeatedly made errors in processing the modification and in calculating my income the lender is a private lender xxxx xxxx xxxx bank of xxxx xxxx ca and does not participate in hamp they do however supposedly have their own modification program my goal is to avoid foreclosure and to secure a modification if that is not possible then i would like to have time to pursue a short sale

Others

i have a credit card through chase on about the xxxx of xxxx i logged on to the chase website to check my account and noticed there was an additional credit card listed which i had not signed up for i sent chase card services a message through the website asking about the card as it was not requested they spun up their fraud department asked me a bunch of questions told me to let them know if i saw any activity on the account etc i responded that they should simply shut down the card immediately as i did not order another credit card they indicated they did this on monday of this week xxxx xxxx my new unrequested xxxx rewards card showed up in my mail box with a host of welcome to your new credit card material i called chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi i should immediately inform xxxx of the credit monitoring agencies and be diligent with my statements to me it feels more like someone at chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled i find it odd that someone would steal my identity chase indicated they would only issue a card with the appropriate ssn only to send the card and all the documentation associated with the card to my home address

Credit card or prepaid card

xxxx and xxxx xxxx xxxx xxxx xxxx xxxx fl xxxx xxxx xxxx chase mortgage acc xxxx in xxxxxxxx my wife and i filed bankruptcy chapter xxxx in united states bankruptcy xxxx district of florida the document was approved on xxxxxxxx at that time we were current on our mortgage chase bank and our personal vehicle xxxx xxxx financed by xxxx xxxx xxxx both items house and car were not included in the bankruptcy and we paid a separate fee for what it is called reaffirmation agreement i must mention these monies were paid to xxxx xxxx xxxx xxxx xxxx xxxx whom represented us prepared and filed all documentation before the court i will include documents as necessary to prove our complain chase bank got ride of the loan and sold it to xxxx xxxx xxxx after fraudulent foreclosure process that has not been resolved until today earlier on xxxxxxxx it was discovered on court that only one item xxxx xxxx xxxx xxxx was accepted in a timely date through the reaffirmation agreement xxxxxxxx and the mortgage was not even though they were paid and filed about the same dates or close by therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy despite all of our allegations and showing proves of receipts and been over five years and the none jurisdiction of the court in the bankruptcy case the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else please we need chase bank to provide the exact time and date of receipt for the reaffirmation agreement sent by our lawyer xxxx xxxx xxxx xxxx of xxxx florida back in xxxxxxxx excluding the house in the such call bankruptcy case also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter xxxx on xxxxxxxx chase bank kept collection mortgage payments until xxxxxxxxwe are requesting chase to reimburse us all the payments collected after xxxxxxxx when chase knew the house was included in bankruptcy thank you for your help

Others

i have two accounts old accounts listed from chase appearing on my credit report as a charge off the accounts and charge offs are over years old they should be deleted from my report the company refuses to verify any of the information as well

Credit card or prepaid card

on i purchase an airline ticket from xxxx xxxx with chase credit card for the amount of for my father the flights got cancelled and on i called the airline company for a refund so that i can purchase another ticket through another airline they assured me that i would get a refund they also requested me to submit a feedback survey for the refund which i did i never heard back andor received a refund so i disputed the charge with chase on letting them know this exact situation one my last statement on my chase credit card dated chase recharged my card i called asking why this happened and they told me that this was a valid charge i asked that these flights had been cancelled and that the merchant had promised a refund they told me to fax in a letter and any supporting documents to redispute this charge i still dont have this charge removed andor redisputed on my card

Theft/Dispute Reporting

i am a former xxxx xxxx with one of the largest financial software companies i am chase sapphire reserve and chase mileageplus explorer credit card customer and continue to be fully opted out on all privacy preferrences ie creditworthiness nonaffiliates affiliates and given we are located in california chase companies and chase affiliate companies chase sapphire recently sent us an offer with balance transfer checks preprinted with our names and addresses this offer was sent from mr xxxx xxxx general manager chase card services this is a privacy violation in that i we are fully opted out and ii balance transfer checks are not suppressed in their optouts

Credit card or prepaid card

purchase interest charge fees adjustments chase magnet card ending in xxxx this interest fee charge is from a statement balance the card company chase was called three times today each time i got disconnected they told me they have phone problems and have been unable to explain why this charge is as high as it is they told me they do not have a virtual chat i can take this further chase private client says i have to call back their card team this is not working and this interest payment seems to be about months worth of interest for the given statement balance please take a look at this

Theft/Dispute Reporting

consumer justice xxxx xxxx and case bank on i flew xxxx xxxx to xxxx az to visit my uncle who was battling xxxx at the airport i was approached by a representative of xxxx xxxx and case bank promised me xxxx points if i signed up for and was approved for their xxxx xxxx visa card planning for the future when i would need to return i agreed and signed up i was approved then they said oh you dont get the points now you have to spend in the next days to get the points so i did that in less than days even i have spent more than on their card for qualified purchases even as of i have spent now they say oh no you cant have the bonus now you have to wait till the end of the billing cycle which is xxxxxxxx and even then it could take weeks for the points to transfer my uncle passed the memorial will be i only signed up for the card so i could go back for the funeral i talked for hours to chase customer service reps xxxx and xxxx and supervisors xxxx xxxx and xxxx and xxxx xxxx csr xxxx and while they assure me they are sorry for my loss they will not honor the original agreement they promised me xxxx travel points as a bonus for signing up i did my part they wont find or even look for another way to accomplish the same goal all i have gotten are excuses and policy quotes the will not accept responsibility for their representative and honor our agreement xxxx point for singing up and getting approved even though i went beyond and met their extra requirement of spending i even found another version of the same program with lower conditions xxxx instead of xxxx reward points for spending vs xxxx i did that within the first billing cycle so they could just change me to the lower program and i would have met all the requirements and they could get me to xxxx there is no help from either company i can not afford in plane fare the initial promise from the man who signed my up constitutes fraud why can people not just own up to their responsibility and do what they say i dont care i just want to go to my uncles funeral can you do anything to help get me to xxxx the funeral is xxxxxxxx thank you in advance xxxx xxxx

Theft/Dispute Reporting

i see multiple days late marks which is a clear violation of my right under the fcra the company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Bank Account services

i just applied for a home loan joint with my husband my credit score info your credit score is not available from any consumer reporting agency because they may not have enough information about your credit history to calculate a score i have always had an excellent credit score but last checked it about months ago with chasefree with my credit card account i have a home auto loan in my name as well as several revolving charge cards all with excellent credit history i went to the chase site last night i could not log in i went to xxxx xxxx no information is available at this time i am sick to my stomach as what has happened

Credit card or prepaid card

a company debited my account without permission iao of xxxx i contacted the bank to advise of the transaction and was asked did i contact the merchant directly i contacted the merchant who did not followup on the claim xxxxxxxx after no refund from the merchant i filed a claim with the bank i was advised a few weeks later that it was declined as previous business occurred i was not happy with that response because it was not authorized therefore i called the bank again spoke to upper level management and was advised statue of limitations expired i contact the bank a week later spoke to another manager and was advised day statue of limitations in the meantime my account was closed and i know have a xxxx account that has turned into over worth of fees i run a business and need my account i have been a longtime customer with chase bank

Bank Account services

chase strikes again my wife and i were at xxxx and tried to reload our xxxx cards with through our xxxx apps her using the main account we have and me using our joint account we ve been doing this for a year and a half now on these same accounts and same cards nothing has changed well the app kept giving us an error that the system was not available so we each tried to load funds times because it sounded like a connection error we could nt get it to work and finally paid with cash right after we leave i check on my chase app and we each have xxxx pending transactions for xxxx dollars each but there are no funds available to either of us on our xxxx card we immediatley called chase customer service they feed us the bs line that it s for our protection and convenience how is it convenient for us to not be able to use our money and have them deduct money from xxxx of our accounts without us getting the good or services and having to spend hours with them on the phone waiting for our in cash to be returned to us we have had it with chase we ve opened another account and will empty these accounts and then never use them again they are despicable and xxxx

Bank Account services

unauthorized debit on my business account was done electronically unknown and i noticed and same date went to the bank and with the branch manager we filled a signed report we completed our research on the transaction and we determined that its a businesstobusiness electronic payment as a result we can not remove the transactions from your account please contact the business that initiated the transaction to resolve this problem my complaint is the bank does not cooperating at least to release the name please let me know of your advise

Bank Account services

chase suddenly charged us a service fee for our checking account we have had this checking account for years when called and questioned a chase representative finally advised that we will be charged a service charge since we paid off our mortgage

Theft/Dispute Reporting

my new travel card united explorer chase visa was declined while on vacation in another country i called customer services at least times throughout the week to try to verify purchases and confirm my identity via text confirmation and answering security questions additionally i contacting customer support through the secure online portal linked to my account multiple times to resolve the issue after an excessive number of attempts to resolve the problem my card was still not accepted anywhere every support agent from chase gave assurances that my card would no longer be declined i even kept agents on phone and attempted purchases multiple times so they could troubleshoot issues numerous support agents a support manager and online support representatives gave assurances that my card would be accepted for the remainder of my vacation during my call with phone support the agent guaranteed my card would work i informed the chase cardmember representative that if my card was declined again i would file formal complaints with xxxx and cfpb my next purchase was declined chase bank united airlines and visa are branded on the card and responsible for the unacceptable customer support and service

Theft/Dispute Reporting

due to countless xxxx issue and my being on xxxx we were offered a loan modification in the and instead of helping lower our monthly payment they attempted to raise it by a month and said it was a very good deal and i should sign it of course i refused to sign papers and they without permission held my xxxx payment so we would be in arrears and they could proceed with the modification in spite of my declining it we want them to lower our payments by reducing our loan and reducing the rate we do nt qualify for harp and i know they have programs available they wo nt tell anyone about

Others

check was cashed on my account i did not write the check check was stolen and used fraudulently bank states i did not report check stole but bank was told checks were lost since moved into new address

Bank Account services

this is the last info on the j p morgan credit card that fema and home land security gave me the auto recording that j p morgan had on said that i owed them xxxx i only had xxxx so i gave the jp morgan bank back in thinking that these apartments that i stayed in had not been paid i did talk to the apartments in xxxx fl they use xxxx and they informed me that they were paid in full then the auto machine came up with a xxxx credit for me i said i do not need a credit and the staff member said that they would send me the xxxx it never came jp morgan sent xxxx instead and my bank took back the xxxx that was in the credit file for me for nothing so that is and i am closing this case now and jp morgan has xxxx in my credit file and i hope they send me that also thank you cfpb for all your help

Credit card or prepaid card

had a residential mortgage with xxxx xxxx xxxx which was transferred to chase bank when xxxx xxxx xxxx failed about ten years ago in xxxxxxxx chase bank agreed to refinance the mortgage and claimed that they had lost the original mortgage and note and stated that they would issue a new mortgage i closed on the refinance on xxxxxxxx to date the satisfaction of the former washington mutualchase mortgage has not been recorded chase has recorded the new mortgage and now there are two open mortgages of record against my home i requested that chase supply me with an indemnification for the lost mortgage and note and they have not responded this transaction involved property in ny state and chase is obligated to pay a penalty for late filing or in this case the nonfiling of my mortgage satisfaction and for the failure to deliver the original note and mortgage at this time the county records show both the new chase mortgage and the old washington mutual mortgage if i try to sell my property there will be a problem because the washington mutual mortgage is still showing as of record i also want to be paid the ny statutory penalties for late filing and the failure of chase to provide the lost note and mortgage

Others

on xxxxxxxx i began an online application to refinance an existing mortgage with jp morgan chase the mortgage is for a duplex that is an investment property and for which chase holds the current mortgage i intended to refinance and take cash out so i could pay off a heloc on my primary residence on xxxxxxxx i received and email from xxxx xxxx the loan officer assigned to the application i accessed the online portal and began uploading documents i clearly stated to xxxx and this will be documented in recorded phone calls that the property was a duplex and old house converted to units and provided all documents including two rental agreements that confirmed it was units xxxx stated that it would still be considered a single family home because it was a single physical house on xxxxxxxx i received confirmation that the loan was submitted to underwriting on xxxxxxxx i logged into the online portal to check the status and saw a note stating that the underwriter needed additional information about the second unit and that the second unit was not disclosed on my application i immediately emailed xxxx cc to xxxx xxxx who had sometimes stepped in on my application to ask about why i was receiving this note when i had clearly disclosed the information xxxx stated in email and in a phone call that he was the one who made the mistake he did not understand how a property should be handled and that he would work with his team to resolve the issue he stated that the lending estimate that i had been given would now be wrong because a loan would have higher rates and fees at this time i began asking xxxx to provide a new a new loan estimate so that i could review and decide if i wanted to move forward with the loan on repeated phone calls and emails he assured me that he would get these to me asap but i never received them in early xxxx the appraisal on the house also came back slightly lower than our initial estimate in a lengthy phone call xxxx explained that the max ltv for a property was also lower than a single family property so i would no longer be able to take out enough cash to pay off my heloc unless i brought significant cash to closing i told him that i would be interested in taking out the max cash possible paying off the bulk of the heloc and that i would still be able to cover the remaining heloc payment my own personal debt to income ratio is quite low i was not at risk of disqualifying because of that he said that he understand and would rerun the loan that way and send me new disclosures i never received them on xxxxxxxx i emailed xxxx and his supervisor xxxx xxxx to formally complain about the delay in the application i received the following response you have been very understanding for this i have submitted a request to refund your good faith funds at this time in an attempt to make things right do be aware that since the funds were used for the appraisal the refund may have tax implications i will keep you posted and notify you of the results of the request i emailed in response asking if this meant my application was being cancelled i received no response that day or at any time since then on xxxxxxxx i received a form letter letter from chase a statement of credit denial termination or change it notes that my application was denied because of value type place or condition of collateral insufficient or unacceptable insufficient funds to consummate the transition neither circumstance is accurate i have also not yet received a refund of the application fee this loan as it was originally disclosed would have cost tens of thousands less than my current mortgage i am now out the application fee countless hours of time and thousands of dollars in future interest because chase provided inaccurate information ignored repeated requests to provide updated and accurate information wrongly denied my loan application and failed to remedy the situation when i tried to work with them directly

Others

as a credit card owner of a xxxx chase card i wanted to pay my credit through the bank i was told that i could and that i could use the single standing atm to pay instead of waiting for the payment to go through online which takes longer it has been two days and i can not pay my credit card i work from at an office minutes away due to traffic from the nearest branch so it is never open on weekdays and i live about hour away from that same branch because it is the only branch close to me on weekends so i know it is near impossible now to pay my card at the branch location so i try to pay it at their atms instead but the atms i have used dont work i have called their customer service which wont let me talk to a representative because im not a chase debit card holder so i have to go through the xxxx side in order to let them know their atm is not working the problem keeps rising because yesterday i was told that these machines have a sensor that lets them know when they are broken but today i was told they do not i was also sent to someone who could probably pass the information along but they hung up on me this company says they are for their customers but i have been hung up on and not called back and also ignored because i have made the right decision to not open anything further than my credit card

Credit card or prepaid card

i discovered what i believe to be an unlawful increase in my annual percentage rate somewhere between the dates of xxxxxxxxxxxx and xxxxxxxxxxxx two things occurred during this time first a large payment of was made and second the impending sale of washington mutual to chase i was never notified of any increase to my apr by washington mutual or chase if i had i certainly would have cancelled the credit line immediately and paid off the remaining balance i continued to pay my bill each month but unfortunately i was not aware of any change till xxxx of xxxx at which point i made several calls to chase in these conversations i informed chase i would no longer make payments till this error was fixed and all interest collected recalculated at this point the balance on the account was and the total interest accumulated since the increase to my apr was i informed chase i would gladly pay the total less the interest cancel the card and move on chase s customer service could not answer any questions regarding the matter and i was essentially at a dead end with my dealings with chase since i refused to pay until chase either cooperated in answering questions regarding the change in apr or come to an agreement to settle the account the account went on collecting interest and fees and at some point the balance reached and i believe they charged off the account i ve since had a few correspondences with xxxx xxxx in the executive offices of chase and here is the gist of those she said they washington mutual were justified in raising the interest rate to a default apr under section xxxx you fail to pay any amount due to us under this agreement or any other agreement there are two things i would like to point out i did not fail to pay the payment was made it was late by a couple weeks however nowhere does it say that i ca nt make a late payment note that it was nt even days late and never was the second thing i would like to point out to you is under section xxxx if a change is made that increases the apr or aprs that apply to your account you will be given an opportunity to avoid the change by closing your account and paying off any existing balance under the terms in effect prior to the change washington mutual did not give me the opportunity to do either of these things chase continues to report negative information to the credit bureaus which has cost me thousands of dollars due to increased interest rates on things such as my mortgages and car loans

Mortgage/Loan

on xxxx xxxx i called chase bank asking to use th e stop payment service on two incoming charges of and from xxxx an online service company i was worried about the money because i saw some negative reviews about xxxx and could nt find a way to contact them the chase representative reaffirmed me that as long as i gave them the correct amount chase would reject any payments matching that amount regardless what other names xxxx might use p on xxxx xxxx i called chase to cancel the stop payment and if i could get a refund for the stop payment fee that was charged the representative refunded the fee and i was aware that even if stop payment is canceled it would still be effective for one day so the two p ayments would nt be charged until xxxx xxxx and just to be safe i deposited an additional at xxxx xxxx into my account for any unexpected issues however i found out later that my account had an overdraft fee of because of the two payments of and if the payments were charged like what was promised on xxxx xxxx there would be no overdraft p on xxxx xxxx i spoke to chase they refused to refund the entire due to the courtesy limit and insisted that no mistake was made on their part i explained my situation t o xxxx t he supervisor she was just as frustrated as i was and told me that they will listen to the types to see if i was telling the truth p i feel extremely disappointed in chase used to think that chase was the better bank now or maybe i was just wrong chase like the others will look for ways to reach in your pockets for fees i really want to know what happened to the overdraft fee ban can a bank just be a bank and not act like a government entity constantly seeking ways to punish people financially

Mortgage/Loan

i had applied for chase xxxx card business account in xxxx of under promotion offer of xxxx xxxx xxxx if i make purchase of as per my recollection within first months i was issued the card on and had met the requirement to get bonus miles even before required months period every time i made the payment over the phone i was assured by chase representatives that i have met the requirements and i should see the bonus points next cycle as it may take up to days for the miles to show up on the account i was assured by several representatives that there was absolutely no issue they can see regarding me getting those miles this issue continued for several months until when i was making xxxx payment when i insisted that i need to speak with the supervisor to get a specific time line on when i will be receiving bonus miles on speaking with the supervisor i was informed that since i had received bonus miles under a different company i was not eligible for the bonus miles supervisor apologized for misinformation given by his several agents and stated that he will address this with them all he had to offer was his apology and expressed his lack of authority to offer the miles despite him agreeing with me that his agents should have told me about this when i first enquired about it despite my requesting for a phone number for corporate office i was told that only way to contact them was to either email or send my complaint via postal service i researched the contact number for corporate office on internet and finally found it on xxxx xxxx i spoke with xxxx xxxx in executive office who listened to my issue and transferred me to xxxx xxxx in executive office for credit card xxxx xxxx did not sound helpful at all repeated the same thing that his agents should have informed me about the policy sooner and that he will look into the issue further and get back with me in days i explained to him clearly that the current company which i am an officer of has not applied or gotten the bonus mile and has nothing to do with bonus mile for another company where i was xxxx of the managers i also argued my point that the xxxx companies have xxxx different tax id numbers they are xxxx different corporations and since companies do not have a social security number the officer of the company has no choice but to put hisher social security number i also reasoned that if you apply for a business credit card as an employee of xxxx company and if you change your job then it does not make sense that you are barred from availing bonus offer as an employee applying for a card for a totally different company i also reiterated that since all the conversations were recorded he can listen to the conversation of last months when i was assured that there was no issue and i will be receiving the miles offered at the time of application i asked xxxx xxxx for the case number to which he stated that you can reference phone number xxxx ext xxxx i received a call back from xxxx xxxx in days he stated that i had applied for credit card on line i should have read the fine prints which states that the bonus points do not apply if credit card is applied within years i asked for the copy but he told me to look on line i asked if that fine print stated same business or clearly specified even if it were xxxx different unrelated business xxxx xxxx paused chose not to answer my question he concluded the conversation stating that he apologizes for his representatives not letting me know this issue earlier and will make sure that they are trained i am intrigued that despite acknowledging the mistake of his agents he is not willing to make concessions for his customer as a customer i believe chase should recognize their mistake and honor the offer

Credit card or prepaid card

despite more than one month and a half calling them directly using the numbers furnished back of the cards and on printed letters phone numbers printed in the back of their own documents they do not fix the the mistake and are trying for all possible ways to make me sign docs in that way i would be responsible for those exactly amounts that i am proving are not my liabilities cards and accounts fraudullentlly open on my name without my consent i mean come on how many times is it really necessary to say that i am a victim my identity was stolen by mr xxxx xxxx xxxx also known as xxxx xxxx fraud also xxxx xxxx xxxx xxxx fraud xxxx xxxx fraud fraud to mr j p morgan and chase to mr xxxx xxxx when are you going to press charges and pursue jail time to this individual that is stealing from me my family stealing his employees stealing his suppliers stealing from the state of florida and strelinfg from the federal government to whoever that might be interested i xxxx xxxx xxxx one of his victms i have the proo of all of his crimes including but not limited the bad treatment to cats called xxxx xxxx xxxx and xxxx that are left alone in a place that is disgusting nasty unfit for the animal to live in thanks xxxx xxxx xxxx

Theft/Dispute Reporting

i saw several charges on my chase bank credit card i wrote the company to validate these debts chase did not respond i wrote another letter chase refused to investigate fraud i contacted the credit bureaus and the account was removed from my credit chase bank reported the invalid debt to the irs

Credit card or prepaid card

i have been a member with chase bank almost a year they forced me to open an account with them due to a organization that helped me with my daughters funeral arrangement last year the amount was xxxx so i took it to the bank that the organization banked with they told me unless i was a member they told me that unless i go to that organization and get turn into two checks they were not going to be able to help me so i opened the account reluctantly but i stay there because i knew it was a good bank i recently open a business and they put on my account that they were offering me a line of credit a credit card or a loan they only do that when they feel that you are qualified to receive these items so i apply for credit card that they were going to approve me for and it because they would check and my balance was low and i had no idea that it was below the balance they denied me when i called the reconsideration line i explain he explained to me that it was because i had a negative balance and i told him there was no way upon looking further i find that xxxx i had placed on the xxxx to stop a payment in the company from pulling any more money out of my account was not done properly by chase bank so they fix the problem and the same guy who told me what the problem was told me to call them back as soon as they fix the problem so they can help me apartments fixing the problem i called back and they found more reasons that they could not approve my application stating that i had a account from xxxx xxxx xxxx that ive already filed a complaint with yall for now after i spoke to that guy and he was being very rude i asked to speak to a supervisor i questioned him about the bee products that were offered to me on my account that they had presented to me for being such a good client and member when i told him about this he told me they did not have it on there that is not true when i look backat the offer that they produced to me they had taken it off of my page as if it was never there and placed a pig with some coins saying that if i hustled members to come to them i can receive up to and thats all they had for me this is not only a slap in the face but a complete insult when speaking to the supervisor of overriding it would first name was xxxx he said that they had never placed any offers up there and that my account was too new and i said you would have possibly you would know that before you place the offer there at that time he was helping xxxx which was the one who took it off cover this up and said that no one updated anything he askedhe asked me what did i want him to do i said to reconsider the fact that your first agent told me what to do i did it and you still are refusing to give me a line of credit i have a business to run i trust yall i have banked with yall and yall have let me down repeatedly i have been an overdraft so many times for them letting something go through that i told them not to when asked why did they let certain items like a light bill and inbox loans and several others go through their simple explanation was because you are a valued customer so i stated if im such a valued customer and you trust me enough to let items go through because you know im going to pay them then why are you not trusting me with a line of credit i dont have credit nor do i have working capital and if i cant go to my own bank to receive some help then where is it that i am supposed to start to obtain any type of credit if i cant get help from the peace people that i bank with i own a business now and i would like for them to stand by their word instead of covering things up and i need them to give me the line of credit that they told me i could any phone record or pulling up of my bank statements will show that they did offer me credit xxxx run my credit or times running my credit score to the floor then deny me they absolutely weighted to say that i was in default when i applied and each time it was through no fault of my own it was chase that allows something i specifically told them not to go through i asked to speak to xxxx s manager and he said that there was nobody above him that i could speak to so he refused to give me anybody else s number and i asked him was he the president because i know that he has to answer to somebody but he stated that he was the head of the overriding of chase and no matter if i spoke to someone else the denial will still be the same because thats just what he said and i guess nobody was going to override what he said i am highly insulted and i want them to change the decision because i plan on taking a legal matter if i cant come to a resolution or in get the credit that they absolutely offered me

Credit card or prepaid card

chase is reporting xxxx missed payments and charge off on name as authorized user i never put myself on an acct please have them remove from that acct asap thank you

Mortgage/Loan

ive been a loyal customer with chase bank since xxxx in xxxx i opened a credit card account with them xxxx xxxx xxxx ive paid on time every month since then except in recent months theyve started charging me what seems to be a very high interest rate fees for a xxxx xxxx and anything else they can think of plus what are now late fees because the fees they are charging have become too high for me to afford ive called them two times in an attempt to get me on a payment plan to bring the account current and continue to pay off my debt you know the kind of things a responsible consumer would do i offered to get a loan from a relative to get caught up and they rejected me i have had my hours cut at work resulting in a loss of income i am a single parent trying to do the right thing here chase is unwilling to assist the customers who have kept them in business for many years i do not think the fees they are charging are even legal or allowed per law i do not agree that they could charge me a cash transaction fee for a xxxx xxxx paid with my credit card complete unfairness i would ask that your agency review their business practices as i plan to challenge them in any way possible ive attached the latest credit card statement for your review i hope you will help me further as to my checking account i called to have my debt card replaced because the magnetic strip was worn out i never received after a month i called to follow up and they said they would send another card out what they did not tell me is they were going to close out the card in my possession this is my main checking account i did not find out my card was useless until i went to purchase groceries and my card was declined the same day when i called them to find out the issue that is when they informed me of what theyd done i was unable to buy food for my child that day and for several days later i had no access to my funds because at the time i was out of state and they do not have branches there they caused several interruptions to autodebit payments that were linked to that card causing the payments to bounce or be declined giving me a bad name they have caused me tremendous grief inconvenience and outrage i demand justice

Theft/Dispute Reporting

a chase visa through amazon was opened under my name not by me i mistakenly paid the first charge for a nominal amount of money thereafter charges totaling over showed up on the bill i called chase and they put me on with amazon who tole me that the charges were fraudulent chase asked me to sign a statement which i did i did not hear again for over a year after which time chase told me that since i paid one bill that shows that the charges were mine and i owe them i asked them on numerous occasions to tell me what was ordered and where it was delivered they told me that it was too old and they could not provide me with that information i then got a letter from chase indicating that i owed nothing and my statement would reflect that since that time i have received another bill with late fees

Theft/Dispute Reporting

back in xxxxxxxx i tried opening up a checking account with another back and noticed that xxxx xxxx had information that i owed jp morgan chase and undisclosed amount of money i had tried on several occasions to explain that the signature on the checks deposited to my last account did not belong to me as well as they should have photos at the atm to show who deposited and withdrew the money from the atm at the time of the depositsi explained that my debit card was misplaced or stolen but still no favorable results just copies of deposited checks with a bogus signature as of xxxxxxxx jp morgan chase or xxxx xxxx will not removed the information allowing me to open accounts with other banks regards xxxx xxxx xxxx

Bank Account services

in xxxxxxxx i applied for a loan modification from my mortgage bank chase bank chase bank took over my original bank washington mutual bank went to a chase mortgage office who only does the paper work for load modification the paper work was submitted and i was on a mortgage trial from chase spoke to the person who was handling my case the about twice during the first month after that i was paying my trial payment on time went to the bank and made my payments keep making my payments the one day went to make my payments and was told the bank no longer accepting my payments i must bring the account up to date when i called the xxxx number to speak to the person who was handling my accountme i was told she is not to be found and no one knew my account and did not believe i was on a trial i was told that i am eligible to apply for a loan modification i kept applying then xxxxxxxx i was serve papers to foreclose after keep applying and help from people and a none prophet organization finally got a loan modification i was then told by chase bank because they add some xxxx as interest to my loan i no longer qualify for the go government harp loan modification my original loan modification was now its a xxxxmore and a interest i had no choice to take the loan a few months later i found out chase the same the with many other people and there was a class action law suit and chase lost it appears chase bank started loan modification with many others and never gave them the final paper work

Others

i was logged into my xxxx xxxx account and saw a preapproval offer for a credit card i filled in my name and address only and clicked to the next screen i was not notified at all that i was filling out a credit card application there was no warning or no disclosure now i have a hard inquiry on my credit report that i would not otherwise have ever asked for this was very misleading

Credit card or prepaid card

i was charged a monthly service fee on xxxx of my chase checking accounts in xxxx i complained to the xxxx because i was being charged these same exact fees despite the fact that chase states they will not charge these fees if you have a balance across all your chase accounts of at least during the same month i was charged this fee i had a balance in xxxx of my other checking accounts of which is well over in xxxx chase apologised and said that they linked my accounts and i would no longer be charged a service fee but i am now being charged the fee again i want them to reverse the fee to stop charging me the fees in the future and to be reported for this illegal practice

Theft/Dispute Reporting

i overdrafted my account seberl times now chase has restricted my acount wont give me my direct deposit which is almost xxxx dollars and its going on a month now they took their money and keep telling me that the system will close it but drawing intrest on it

Bank Account services

my car is financed with chase i bought the car on and my first payment was made on i went into xxxx xxxx xxxx xxxx xxxx to open a secured loan and credit card in an attempt to rebuild my credit the manager told me the car was not on my credit report and advised me to go contact them to get them to report the car i went into the xxxx branch xxxx and they called the credit department with auto and i spoke to someone and he assured me it would be taken care of in no later than weeks i called after the new year to check on the status and spoke to xxxx xxxx xxxx ext xxxx went thru the whole story to explain she told me the problem was with xxxx and i was to call them and get it put on the credit report she gave me all xxxx reporting agencies phone numbers i called xxxx xxxx and was told it they could nt do anything about it it was chase s responsibility to put on my credit report and they were the only xxxx that could i called chase back and spoke to xxxx she said she would look into it and call me back she called me back and said they could not put the trade line on xxxx xxxx and that they pulled it off of all the bureau s i did nt know it was on any so now i requested her manager and was told xxxx xxxx would be calling me i waited days and no one called me so i went into the chase branch at xxxx xxxx xxxx xxxx la xxxx and spoke to xxxx xxxx branch manager and explained again she called credit department and after several departments she had to speak with we got xxxx xxxx on the phone the same person that never called me she said there was something defective with getting it reported to xxxx xxxx and said chase decided to pull the remaining agencies i requested all xxxx to be reinstated and she said it would not because i had requested the corp office address of chase and i could call themi did tell xxxx that i have never heard of this happening and asked for the xxxx address to report it to and ftc and the consumer protection agency due to i pay my loan on time every month and can prove it i feel as a consumer my rights are being deniedi am a single person trying to rebuild my credit from foreclosure and bankruptcy i am in the process of opening a new business and this is very important to my credit score this car was bought after the bankruptcy

Credit card or prepaid card

i rented a vehicle from xxxx in xxxx xxxx on xxxxxxxx the rental was for two days with the vehicle due back before xxxx xxxx on sunday xxxx xxxx i returned the vehicle at approx xxxx xxxx on xxxx xxxx and later that day received an ereceipt from xxxx the bill was incorrect as they showed a return time for the vehicle of xxxx xxxx i contacted the xxxx contact center the next day to complain i was told that it would take six weeks to resolve the issue as the team had no ability to see or resolve international reservations i eventually got through to an xxxx customer service manager who identified herself at xxxx floor supervisor in xxxx employee no xxxx xxxx was wholly unhelpful and told me i had no option than to wait i was given no complaint number and no resolution status i have used xxxx for many years and regularly drop off my rented vehicle at airports without any issues my complaint xxxx xxxx xxxx team did not book in the car at the time it was returned proof of this is my return flight from xxxx xxxx to xxxx xxxx i sent copies of this to both xxxx and chase my credit card provider xxxx did not provide a response to my complaint i disputed this charge with my credit card provider chase they issued a temporary credit on the charge while they took time to investigate the dispute i cooperated with all inquiries made to me by chase bank i noticed that this temporary credit was still appearing on my credit card bill in xxxxxxxx ie nearly two years after the initial dispute i raised the issue with chase via their online portal after several weeks i received an electronic response to say that chase had found in the merchant s favor by virtue of the excess time that the dispute was open this despite the fact that i have received no communication from wither chase or xxxx in more than months i called chase to complain i feel i was misled by their operator xxxx xxxx and her supervisor xxxx who stated that it was normal chase practice to leave open disputes until such time as either the cardholder or merchant called i played back an example in which i purchased of good then disputed the transaction the next day xxxx insisted that the charge would be held in dispute in perpetuity if chase was waiting for a response from either the cardholder or the merchant with no limitation on time i feel that this is a gross mischaracterization of the actual dispute process and was offered as a diversion to chase s failing in executing my original dispute transaction chase has agreed to credit my account with the approximate amount of the disputed charge however it is their poor processes and deceptive explanations that i wish to highlight

Theft/Dispute Reporting

this is in response to my initial complaint xxxx regarding mortgage discrimination by chase despite writing to the executive board nothing was done other than get some random person to call me and say they received my complaint nothing was done and they still refused my loan no review of their practices of discrimination no accountability not even the bare minimum of refunding the charge they made for conducting an appraisal the bank lied to the cfpb when they said they were looking into the matter loan manager xxxx called me two weeks ago and said they could not honor the loan terms they provided me in writing they are still demanding months of reserves despite other big banks and credit unions confirming that months was the industry norm for someone with my credit score and financial situation i have a document from them with loan disclosures they have agreed to but now refuse to provide nothing has changed in my financial situation why do banks get to behave like xxxx with no accountability

Others

i was closing on my condo on on xxxxxxxx i received an email from what i thought was my real estate agent saying i needed to wire transfer my closing funds to the title company i was provided with instructions to wire the money to an account with the address of the title company and an individual s name my mortgage broker said this is normal and i could send the funds or wait a little longer thinking that i would get the overages back at closing i sent the funds upon closing i discovered that my funds were never received and i was unable to close chase bank never questioned the wire transfer or asked for a transaction number from the title company or even the title company s name

Bank Account services

this involves a chase advantage checking account its like a credit card but used by checks only the account was under my husband s name only contractually person i as his spouse was authorized user my husband passed away xxxx xxxx xxxx i went to chase bank with death certificate and they refused to write account off no explanation as why the refusal i was forced to change account to my name so i did at time of death the balance was i faithfully paid on account but xxxx xxxx i paid account off as it was unusable since xxxxxxxx chase no longer honored this type account i paid with a no interest credit card till xxxx interest billed in xxxx i read an article in xxxx bulletin about death debt and it stated that an authorized user may not be responsible for debt balance due at death so i wrote a letter to chase requesting that they please consider paying me back what was owed at time of my husband s death and gave it to branch manager on xxxxxxxx and i have not had one response to my letter which is really very frustrating i may be a xxxx year old widow but thats not an excuse to completely ignore my request i have consulted an attorney and he was the one who gave me this information about your website i will forward the letter that i wrote to chase as it has lots of detail in it i hope this information is helpful to start process

Bank Account services

transactions were placed using my chase credit card the dates were xxxxxxxx xxxxxxxx xxxxxxxx xxxxxxxx i have reported this times to amazon and reported that packages i did not want or request were sent to me i explained that the card used for the transactions was not the card associated with my amazon account i was directed to chase bank to dispute the charges and claim it as fraud my chase card has a zero liability benefit that is one of the main reasons i kept my account with chase i have tried working with chase bank to resolve this since i have had my investigation reopened twice and i am being told that i will am responsible for those charges made so i am guessing that whoever made these charges will be allowed to keep making them and i just get to front the bill then this also means that the zero liability benefit is not a valid benefit either i contacted amazon on xxxxxxxx i had chatted a representative about transactions that were unauthorized she had agreed that the account did not match my information and had a different phone number she told me she would refund the charges i had told her that i received packages and gave her the order numbers because i could not verify the account details i was unable to file anything or send back the packages xxxxxxxx a new recurring charge was charged by amazon i called and was told that they would not be opening an investigation nor would they be able to report the fraud account i would need to dispute it with my bank xxxxxxxx i called again and spoke to a supervisor xxxx who explained the same thing as the representative on xxxxxxxx i asked the supervisor for contact information where i could file a complaint i then sent an email to xxxx i spoke to chase xxxxxxxx received an email about a fraud charge i then checked my statement and noticed multiple charges that were unauthorized i spoke to a representative who disputed the charges and closed the card i was issued a new card xxxxxxxx noticed another charge for an amazon prime account i had canceled my prime account on xxxxxxxx so there would be no charge for xxxxxxxx xxxxxxxx i had received a notice on my account stating that the investigation was closed and because amazon confirmed that the packages were sent to my address that it must have been me who ordered it so i was being told to pay the balance i spoke to a representative who reopened the investigation i sent in proof that it was not from my account xxxxxxxx i logged onto the chase website and saw a new notice it stated that the transactions are valid so i am being required to pay for four different transactions equalling close to at this time chase is not abiding by their zero liability benefit and is requiring that i pay money i did not authorize to be spent no one else has access to my bank accounts amazon will not let me send back the packages because i can not request a refund from an account that is not mine

Theft/Dispute Reporting

in xxxx xxxx i entered into a loan agreement with washington mutual bank fa jpmorgan chase allegedly started to service the loan after washington mutual collapse on xxxx xxxx on xxxx xxxx xxxx i sent to chase registered return receipt a detailed xxxx page qualified written request qwr regarding this loan chase did not provide the information as was requested other than a form letter indicating that they are investigating issues and will work to provide a complete and accurate response on xxxx xxxx xxxx i sent jpmorgan chase a rescission letter indicating my wish desire and right to cancel the loan originated by wamu under the truth in lending act tila i further sent xxxx xxxx on xxxx xxxx xxxx a copy of the letter that was sent to chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of tila neither chase or xxxx has complied instead chase and xxxx has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was xxxx xxxx chase and xxxx also deployed the services of xxxx xxxx to achieve their endeavor chase and xxxx has now filed papers in circuit court on xxxx xxxx xxxx to schedule a sale date on my home i have been forced to defend these collection practices by chase xxxx xxxx and xxxx even though to date chase has not produced one scintilla of evidence that they are the owner and holder of this loan or their right to enforce the note instead chase and its lawyers named have continued to violate my rights under tila and the consumer protection that such regulation affords me

Others

indemnity bond with the department of the treasury not being honored to discharge debts by chase bank

Bank Account services

throughout the entire first month of xxxx i noticed an issue with chase rearranging my transactions i get paid on friday and would notice any transaction that would be deducted from my available balance over the weekend would be rearranged and charged that following tuesday or wednesday they would rearrange certain pending transactions and this would then lead to an overdraft because it looked like the money wasnt in the bank when i made my purchases

Theft/Dispute Reporting

i have been using chase freedom credit card since xxxxxxxx however my transaction on existing magnetic tape card without the chip was declined xxxxxxxx and was given the reason that i needed to use the chip enabled card which i have nt received from chase neither have i received any communication for the closure of existing card there are two points which i would like to when i called the chase customer service xxxxxxxx i was told that i activated the new chip enabled card xxxxxxxx however i have not done that and which was later acknowledged by another customer service representative i asked to formally lodge a complaint against why i was provided wrong information which was declined and was told a letter will be sent to me stating my existing card has been xxxx and i would not be able to make transaction when i use the new chip enabled until and unless i receive the new chip enabled card how am i suppose to use the new card which should have been verified by chase before declining transactions on my existing card i was embarrassed today morning when i tried using my existing card which got declined and could not shop as i just had chase freedom card with me i do understand the enhanced security function of chip enabled card but the customer be notified and consumer should have verified the receipt of the new before implicitly declining transactions i would urge cfpb to look into it and take appropriate action against banks to implement the new chip technology in proper method where the consumer does nt suffer

Theft/Dispute Reporting

i applied for xxxx cards from chase xxxx and amazon xxxx cards were approved i used my amazon card to make a purchase the account number was loaded into my amazon card about a week later i called to activate my card and was told that the account was closed i called customer service they stated that i needed to speak with the lending department this morning i spoke with lending who stated that they closed my accounts due to the number of accounts that have been opened within the last months i explained to the female that i have some accounts that belong to my father that some how got attached to my report xxxx vs xxxx she was unwilling to reopen the account i find this a terrible business practice as xxxx accounts i had to go through fraud verification and they saw the accounts on the credit file on the account at that time so why open the account to just turn around and close it makes no sense

Bank Account services

my sister and i booked a trip through xxxx itinerary number xxxx on the total amount charged was i cancelled the trip on xxxxxxxx and was informed that my credit card would be refunded i received email correspondence from the xxxx representative showing this amount that would be refunded after cancelled itinerary however only which was for the hotel was refunded i disputed the amount of with chase united credit card my credit card company initially refunded but then rebilled the amount stating the charges were valid i contacted customer service at chase united credit card and was informed that xxxx issued me a credit in the amount of and that disclosures and terms of service were sent to me i filed another dispute requesting my credit card company to reopen the case and provided documentation that contradicts the merchant response chase credit card did not investigate further nor did they even look at the correspondence provided they simple rebilled the and i have nothing to show for it xxxx doesnt have a xxxx credit for travel although their response to chase credit card was i did on xxxx s booking confirmation it says we do not charge a cancel or change fee so im confused as to the information chase credit card received from them to validate the disputed amount i am not in a financial position to just walk away from without anything to show for it whether it be my refund or travel credit xxxx has tied up my funds with promises from one their representatives of refunding but my credit card company has done the most damage by not properly investigating the matter after email correspondence was given

Credit card or prepaid card

on jpmcb card add a hard inquiry on my credit report per xxxx on jpmcb card add a hard inquiry on my credit report per xxxx on jpmcb card add a hard inquiry on my credit report per xxxx to my knowledge i have not signed any documents authorizing your organization to view my credit history therefore your inquiry into my credit report violates the fair credit reporting act section c transactions not initiated by consumer

Credit card or prepaid card

jp morgan chase bank is accusing me and my daughter of doing fraud with my credit card that i used to have chase close my credit cards and for an unauthorized transactions the investigations where not conducted and processed with sustainable evidence i requested to see the evidences they have and never send me any prove i request to have a copy of my rights as a client and they couldnt give it to me when i ask if my credit card will be open they told me that it was deny and didnt allow me to have it back neither apply for a new credit card my balance was almost ceros still they deny it

Credit card or prepaid card

i have had a chase mortgage without an escrow account for fifteen years through a series of miscommunications chase set up an escrow for tax payments with my town of xxxx ma xxxx which i have paid to chase claims that the tax dept reported my account late while town of xxxx says that they do not report late payments chase has set up an escrow which after numerous communications chase has closed with a balance of xxxx the town of xxxx has in prepaid tax payments which i have asked chase to repay to escrow on to reduce escrow which i want to pay off after numerous communications with chase bank and attempts to reach my relationship manager i can not find out whether chase has gotten the tax payment back into pay down on escrow this has been going on for three months i have requested that chase get the money from xxxx xxxx the treasurer has said that he would expedite the process once he received the chase request i have had no response from my relationship manager xxxx xxxx xxxx xxxx xxxx

Mortgage/Loan

i requested my mortgage payoff amount on xxxxxxxxxxxx and was told that i should receive payoff amount in days i called again on xxxxxxxxxxxx and was told that the payoff quote has not been generated and that a request was put in on xxxxxxxxxxxx i called the bank again on xxxx xxxx xxxx they told me that my payoff quote was mailed out on xxxx xxxx xxxx and i should receive payoff quote on xxxx xxxx or xxxx xxxx as of today s date xxxx xxxx xxxx it has not been received i asked for payoff quote to be verbally given over the phone and was denied the request

Others

i added my sister as an authorized user to my chase credit card back in xxxxxxxx and they are not reporting to her credit report

Credit card or prepaid card

i applied to refi an existing loan in early xxxx i submitted all the forms and paperwork promptly since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times i have left messages and sent emails and received no response and had to escalate to the mortgage banker s boss who simply referred me back to the original person who was not getting back to me a few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward he gave me a list of documentation the bank needed i went over the list with him and referred him to the emails and dates i had supplied the documentation to my previous contact he asked me to sign the same irs form i had previously signed which had been filled out by his company incorrectly i offered to send more documentation and he said no we needed to wait for the transcripts from the irs today i received an email from him asking for yet more information most of it already supplied a key point in this situation is that i am a current customer of this lender i am refinancing less than xxxx the appraised value of the house my annual income is equal to the value of the house i have virtually no debt and a xxxx score of xxxx this refi should be simple but it has been nothing but a series of frustrations since early xxxx we are now into days and i am concerned my locked in rate will be gone it appears that i am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service

Others

first of all this is not about an issued card as far as i know but a fraudulent application for a card for the last several months i have received a letter from chase bank telling me that they have not been able to issue a credit card in my name since i have frozen my credit the letters asks me to lift my credit freeze the problem is i have never applied for a chase bank credit card or the amazoncomvisasignature card they refer to each month i call chase bank to tell them the application is fraudulent yet the letters keep coming today i called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent he said someone is reapplying each month in my name the odd thing is that they are using my correct name and address which means the credit card would come to me the only other person living in my home with me is my husband of years and he has not applied for the cards either please help me stop chase bank from sending these letters

Credit card or prepaid card

this is in response to chase banks choice to close my case with out compensation i will first reiterate that a local branch notice and showed me that the second money order was fake and voided it out so no one could cash itso how can chase executives lie and say they cant tell if a money order is fake also your atms these days are select on what it accepts and can register if bills are fake or not so how is it that a trusted serves of money order can not be detected i am no lawyer cant afford one and i now feel pushed aside and lied to for a second time because they know so by going over my account information and then deciding to treat me like trash and sweeping me under the rug i dont know your articles of law all i know is i was shown by one of chase branch workers that the money order was fake wich executives say they cant do and was shown how to tell when a money order fake wich executives say they cant do so what the point of stating legal chapters if they just lied to me and dont follow there own stipulations i have kept names to myself in hopes they treated me like they customer i thought i was at the branch but soon as i get handed over to executives im treated as if im a bum holding a card board sign ps again why lie about the help i already recieved in destiguising how to tell if a money order is fake and why does a local branch offer more help than the executives

Bank Account services

this account is now closed and was reported days late on xxxx xxxx it is impossible to report as on time for xxxx xxxx xxxx xxxx xxxx of xxxx and then days late for xxxx xxxx

Bank Account services

i have the same name as my father there are inquiries not mine as well as accountstradelines that are there when i was xxxx years old sometimes items from him get onto my report i also have had my computerphone hacked before

Credit card or prepaid card

chase bank has been making me to make my mortgage payment in cash on loan number xxxx i was told that i had to pay in cash because i was xxxx and had a previous check nsf which i tried to explain to them that my vehicle been broken into and my check book was stolen and that i had to close the checking account due to attempted fraud on the checking account no where in my loan documents does it state at any time or regardless for any reason do i have to make my mortgage payment in cash only

Others

subject xxxx xxxx i deposited a check for in xxxx xxxx on friday xxxxxxxx then i wrote a business check for to my chase bank business account ending in xxxx xxxx xxxx check cleared on xxxxxxxx chase is still holding this check i have deposited over in chase in xxxxxxxx xxxx check was cleared to chase on xxxxxxxx i have proof from xxxx xxxx today is friday xxxxxxxx the day the cleared check is still not available to me from chase bank chase said that yes the check cleared but funds have not been released to me yet for my use has chase been receiving interest on this check from overnight deposits with the federal reserve banks have a lot of reasons and loop holes and a lot of lawyers to tell me that the can hold my money as long as they can what s my recourse xxxx

Bank Account services

this is a total false statement and i can prove i was not in california for the date that i cancelled my xxxx xxxx reservation how dare chase lie on me how dare chase lie this reservation was cancelled as stated with xxxx xxxx cancellatin policy and it should not have been charged since i followed protocal and canxelled shame on the chase analyst that threw this bogus statement together after the numerous numerous numerous phone calls made to discuss and not once did chase answer or respond and the letter chase said they sent the above stated lie was never sent to me ever not to mention as someone who travels often chase cancelled my card upon the complaint filing and i was without a debit card until the replacement arrived moving forward when i called to discuss additional reversals these were charges that some smart chase person deemed to be duplicates but thry were not duplicate appletunes charges they were the same amount for already filed claims for different dates unacceptable unauthorized disclaimer i give jp morgan chase permission to share my information with the cfpbgov i have also filed a claim against chase with the bbb however chase has refused to answer the claim and thus i am filing with the cfpb which chase has to respond issue several unauthorized charges were claimed and credited and by some miraculous mistake chase has reversed my claims i have tried every attempt possible and chase is not responding to communicate and rectify

Theft/Dispute Reporting

hello we received a check from someone who we thought wanted to stay in our rental unit that individual claimed that the check came from their place of business and that they accidentally sent too much money as some was intended for their travel agent they asked us to refund a portion of the check to their travel agent we waited until chase confirmed that the deposit was accepted and then refunded a portion of the check to the individual via chase xxxx xxxx the individual then stated that a work obligation came up and they would no longer be able to stay in our rental unit we then refunded them an additional portion of the check via chase xxxx as chase had shown the funds were available and i never received a message from chase that there was a bounced check unfortunately i now come to discover that the check had bounced i am shocked disappointed and angry that chase did not immediately notify me that the check had bounced as someone who has never bounced a check this should have been setting off alarms at chase and they should have contacted me via phone email text or anything to notify me i did not even receive an internal message when i log in that the check had bounced i called chase s fraud claims department and they were not willing to assist me at all i spoke with xxxx and he was not helpful or sympathetic to my matter in total we were defrauded out of between payments via chase xxxx chase s current policies and customer service will continue to help criminals while hurting and angering their loyal customers chase should have immediately warned me that the check had bounced and i would have been able to help prevent additional fraudulent activity chase also should not have shown the check s funds as available only to have it bounce later on is not a material amount of money to chase but to my wife and i who are loyal chase customers it is

Bank Account services

my lender j p morgan chase has coerced and intimidated me through the threat of impending foreclosure to agree to a modified replacement of my existing mortgage with them which is highly predatory and inherently illegal since the monthly payment exceeds the amount we discussed during the trial process and since the payment exceeds my total gross income a situation of which they were and are completely aware they have refused to do anything which would make my mortgage affordable or to concede that this modification was handled improperly it is called streamlined hamp wherein the a in hamp stands for affordable which it undeniably is not in addition they are defrauding the xxxx and taxpayers by collecting compensation as both servicer and investor for setting up and administering a mortgage which clearly violates the intent of the xxxx program if not the actual letter of regulations since the mortgage amount exceeds my total income it is absolutely impossible for me to satisfy it and i will unavoidably be in foreclosure in a matter of just a few months and will then be both homeless and destitute at age xxxx and in failing health

Others

on xxxxxxxx three credit cards were stolen from me while i was at the gym upon realizing i was missing the cards i immediately reported them stolen and cancelled the cards i also filed a police report with the xxxx co police dept my chase united explorer card was used for a charge at the xxxx xxxx in xxxx co in xxxx i received a call from chase fraud dept telling me that since my personal information was on the sales draft they received from xxxx that i authorized the charge and would be expected to pay the i have been calling weekly and keep being told that it will be sent to rebilling but never hear anything on xxxxxxxx i received a letter dated xxxx xxxx stating that i would be responsible for paying the and the charge reappeared on my account on xxxx xxxx i did call the xxxx xxxx and was told that if a card is attached to a xxxx account or has been used in the store before it will autofill sales drafts i have had this account for years and have never been late in paying

Theft/Dispute Reporting

xxxxxxxx i upgraded my chase sapphire preferred card to chase sapphire reserve card one of their big advertising benefits was that you get an annual travel credit to use on most travel purchases every annual calendar year as soon as i receive the card i spent booking flights for my family the purchases were made xxxxxxxx i received the travel credit to my account even before my first statement closing date i received the first statement on xxxxxxxx i emailed chase customer service to verify that i did all the annual spending properly for xxxxxxxx and to confirm that any spending i did during xxxxxxxx calendar year will go towards the xxxxxxxx credit they replied that was correct that any spending i did after xxxxxxxx would count towards the xxxxxxxx credit on xxxxxxxx i made more travel purchases that was over and was expecting of the annual credit back from the chase sapphire reserve card however the credits never came i emailed chase again and they reconfirmed that any travel spending after xxxxxxxx will count for the xxxxxxxx when i called for the credit for the xxxxxxxx purchase i was told by phone customer service agent that i had already spent my xxxxxxxx credit he told me that the spending i did xxxxxxxx counted as the xxxxxxxx credit because my chase sapphire preferred card statement closed on xxxxxxxx and anything after that was counted as xxxxxxxx i told the rep that there must be some kind of mistake because i did not have a chase sapphire reserve card until xxxxxxxx and i did not receive my first statement for the reserve card until xxxxxxxx the xxxxxxxx statement was for the preferred card therefore it should be irrelevant i then spoke to the supervisor who said that there was nothing she could do because their system counts xxxxxxxx purchase as xxxxxxxx as a long time customer of chase i was extremely disappointed by their lack of assistance even their terms and conditions state that the annual credit is good till the first statement xxxxxxxx which technically was xxxxxxxx and not xxxxxxxx as they claim i also have multiple email correspondence from other chase customer service agents saying that any spending i do after xxxxxxxx would count towards the xxxxxxxx credit i would like chase to honor their terms and conditions and the promises made by their email customer service agents by crediting me the xxxx credit to my account

Credit card or prepaid card

my wife and i have had a traditional xxxx yr mortgage with chase account xxxx since xxxx we were never delinquent on a payment each month chase sends me a monthly statement with a coupon for the next payment in xxxxxxxx i never recieved their statement or coupon and i did not send in my xxxx mortgage payment i recieved the statement coupon for xxxx and xxxx was paid on time the first week of xxxx i was contacted by chase telling me our mortgage was delinquent i looked into it and agreed that i missed xxxx s payment and made payments in the next week to catch up now we are trying to apply for a line of credit but were denied as chase reported we were delinquent x payments i say we were delinquent for payment as when i was notified that our xxxx payment was never made i paid it plus our regular xxxx payment in the next few days now due to this error we have been denied a line of credit we need for expenses for an upcoming child s wedding not to mention the negative impact this has had on our credit score

Mortgage/Loan

i booked a xxxx vacation for my boyfriend and me for our twoyear anniversary using my chase xxxx xxxx card as it is marketed as the best card for travel with point benefits and travel insurance we were supposed to leave on xxxxxxxx but two nights before that our dog experienced xxxx as my boyfriend was trying to calm the dog down and the dog was coming out of the xxxx he was very disoriented and scared and bit my boyfriend in the face we spent the next hours taking my boyfriend to the hospital and then our dog to the vet needless to say given the gashes on my boyfriend s face and the possibility of the dog having recurring xxxx we decided to cancel our trip i called chase on xxxxxxxx to ask what action i should take to start filing for trip insurance i was advised to cancel with xxxx please remember this part as its important and then to file a claim thru xxxx i immediately spent hours going back and forth with xxxx on xxxxxxxx getting all the information they requested proof that we had visited the vet that night for my dog proof of our visit to the hospital for my boyfriend s face wounds proof that xxxx did not reimburse or refund my money proof of xxxx s terms and conditions when a vacation package is cancelled the full card benefits guide and a personal letter to the claim reviewer stating my situation and where in the guide am i referring to when i say i believe my entire purchase should be covered etc after a few days i received a prompt via email that xxxx wanted me to prove xxxx partnership with my boyfriend otherwise only my portion of the trip would be covered so only would be recouped and i would lose the for my boyfriend s portion of the vacation package i called chase s benefits department and two different representatives disagreed with this they were horrified at my situation and read through the benefits guide and believed i should be covered as it was my purchase however xxxx disagreed because they said only the cardholder and cardholder s immediate family would be covered they told me that if i can not prove that my boyfriend and i are in a xxxx partnership then only my half of the trip would be covered this is extremely misleading because i am the cardholder and i purchased the trip as a gift it is solely my purchase so in the event that i have cancel the trip for whatever reason my full purchase should be insured half of my purchases are things that my boyfriend and i share groceries transportation etc this trip was a gift to him and i wasnt going to go on it alone it is so misleading to consumers that chase markets all these lavish benefits but when it comes to the interpretation of the benefits none of that lies with chase and it is solely up to the discretion of xxxx and their sole objective is of course to prevent payout to customers as it is in their best interest i called chase again in late xxxx and the benefits representative said there wasnt anything she could do for me and supervisors are all tied up as well due to and a huge increase in call volume she did offer to pass me to the charge dispute team and i accepted as i felt like i had no other options left that team told me that because i had cancelled the trip instead of xxxx doing it on their end that there was no recourse for me so the very first instruction chase gave me to kick off the trip insurance claim also ended up being the very thing that prevented me from getting my money back i also dont see how xxxx would be able to cancel on their end because its not like the package was suddenly unavailable i doubt they would cancel on my behalf just so i would be able to file for trip insurance as there are probably ramifications on their end as well at this point in late xxxx i have spent literally hours either waiting on hold or speaking with chase representatives with the frustration bringing me to tears of which said they strongly believe i should be covered of which said they could not advise on the matter and i needed to speak with xxxx directly this goes to show you the disorganization at chase and the fact that their representatives dont even know what is covered it also makes clear that they do not value customers business their marketing and the claims process are completely disconnected chase can promise customers the world when it comes to their card benefits but will not even raise a pinky to help a customer because they outsource the dirty work of the trip claims process to xxxx

Theft/Dispute Reporting

this is my second complaint with chase bank this is additional information from a previous complaint re xxxx i applied for the home loan modification program xxxxxxxx due to financial hardship and job loss the first application chase incorrectly calculated my monthly gross and net income i was denied then i repeatedly completed over xxxx applications for a modification and i have not had any success with the hope assistance program recommended by chase during my unemployment from xxxxxxxx xxxxxxxx chase appeared to be working with me to avoid foreclosure however throughout the process i was repeatedly denied any homeowner assistance for a interest rate modification or alternative option i resumed paying my monthly mortgage xxxxxxxx and i am currently months delinquent i understand my loan is insured by usda but i do not understand why i do not qualify for any loan modification my applications stated that i do not meet the minimum financial requirements of the investor or insurer of my loan i understand it s all about the numbers but it is not clear what would be the minmax standard for chase or the investor to reevaluate my interest rate modification what are the minimum requirements what does chase need to calculate a proposed post modification debt to income ratio that is within the acceptable range of the program

Others

jp morgan chase bank xxxxxxxx updated my credit reports to reflect inaccurate dates and inaccurate name on my account account was opened in xxxx xxxx xxxxxxxx xxxx regularly updates my credit report to reflect inaccurate dates and inaccurate name on my account account was opened in xxxx both companies refuse to acknowledge my xxxx xxxx military status and apply my benefit of the servicemembers civil relief acxxxx both companies refuse to correct my legal name the customer service representatives of both companies were rude disrespectful and unprofessional military personnel beware for both companies are not military friendly

Credit card or prepaid card

dear sirmadam our flood insurance policy was rewritten by the insurance company due to late payment as a result the insurance premium has increased our mortgage company chase is responsible for paying our insurance premiums on time however the payment was received late causing the policy to lapse our insurance agent claimed that the insurance renewal notice was sent to chase our mortgage company with the due date of the payment was not received until which was days past the grace period chase the mortgage company claimed that the insurance payment was issued on however it was returned on they called the insurance company and was told the payment was sent back in error chase then issued another payment on however its two days past the grace period and the insurance company considered the policy had lapsed and rewrote the policy it seems that both chase and the insurance company are not willing to take responsibility for the mistake and are pointing fingers at each other as a consumer we just know that its not our mistake that this happened we are the victim of the bureaucracy between two companies please help

Mortgage/Loan

chase bank has violated usc by continuing collection activity after a cease and desist and usc by failing to report complete and accurate information to credit reporting bureaus

Credit card or prepaid card

chase credit card does not pay off the higher apr when you make a credit card payment so a cash out transaction i got years ago has accrued interest to where my entire credit card balance is now considered all cash out at an apr of

Credit card or prepaid card

unauthorized inquiryinquiries

Bank Account services

jp morgan chase erroneously charged me for end of lease even more i traded my xxxx xxxx xxxx xxxx in on a pull ahead program with xxxx xxxx at the dealer no one at the dealer advised me of damage or the opportunity to have a pre inspection therefore i disputed this transaction immediately after receiving a xxxx statement i heard nothing from them until xxxxxxxx which was a reduced bill for lease liability i then sent another lease dispute letter for i wanted pictures and when i made a lease deal for my new xxxx xxxx xxxx xxxx the dealer stated this was a total deal and i took advantage of the manufacturer s pull ahead program the monthly payments were to be absorbed and the excess wear and tear was not documented once again i asked for pictures and did not receive them and on top of that i was told by xxxx xxxx that this was a clean all inclusive transaction this is very shady however the most damaging thing is that it has been reported to my credit as i attempted to prequalify for a home this is insane i was on the phone with chase and spoke to two reps and the credit counselor there and they said there is nothing i can do they can not remove the credit ding even if i paid in full although i know i dont owe the money i asked for a letter to show to the mortgage company from chase to show that this is in dispute and it has been reduced and still they wont help me they said that i had to pay it in full to stay off my credit what a hoax and an awful way to treat a current customer please aid me in this and i know chase has had complaints they provide no remedy or supervisor to speak to meanwhile i can not get a loan thank you xxxx xxxx

Others

chase auto finance is reporting to my xxxx report as a balance of is still due and is being shown as a charge off this information is incorrect as the loan was paid off in full through my chxxxx bankruptcy in xxxx in the amount of this satisfied the loan and the title at that time was released this should be reported the same as my other two credit reports as paid through chxxxx account satisfied and closed i have disputed this with xxxx and chase numerous times with the standard response of everything is accurate and up to date i filed a letter of validation with chase on xxxxxxxx with no response as of xxxxxxxx

Others

on i made a withdrawal of from my xxxx xxxx account to my chase business account in the form of a teller s check i have copies of the statements along with a copy of the teller s check approximately days later chase closed my business account the money from the teller s check was never sent after the account closed i first attempted to get my money on xxxxxxxx when i called chase at xxxx at that time they told me a check should arrive within a week the following week on xxxxxxxx at xxxx i called chase to confirm that i was receiving a check the lady on the phone informed me that the check needed to be verified at that time she said to go to xxxx xxxx and confirm that the check payment was sent over i scheduled an appointment with xxxx bank and on xxxxxxxx i went to the xxxx xxxx branch at xxxx xxxx xxxx to check the status after a half an hour they confirmed the funds were moved to chase bank on xxxxxxxx deposit amount was listed on the chase statement in the documents with this information i went over to chase bank at xxxx xxxx xxxx at that branch they said their systems were unable to verify the check despite me having a phone number for them to call and verify they asked me to try again the following day xxxxxxxx with the same results they finally stated they will try to verify on friday and that if i did not hear from them by the weekend than that would indicate they were unable to solve the issue if you need the call logs i am happy to submit them as well

Bank Account services

i received a letter from chase dated informing me they were closing three of my credit card accounts i was traveling at the time this letter arrived at my home and first learned about the cancellations when a business did not accept one of my credit cards for payment when i called chase at that time all they could tell me was read the letter we sent you we can not provide any other information to you when i got home the only reason for the cancellations stated in chase s letter was our affiliate is ending their banking relationship with you i never understood what this means since i dont know what affiliate they are referring to since i had no luck getting information from their customer service call center i sent secure email messages on the chase website to see if this would help answer my questions one of the customer service phone reps recommended this after a few chase email replies suggesting to call customer service and not getting any responses there i realized i wasnt getting anywhere the company switched from you must talk to someone on the phone to get this information to we can only answer you in a secure email and back again i have a credit score of about and have always paid my bills over xxxxmo on time for several years i am concerned that they have canceled my account because i have just recently become xxxx years old or some other unfairunlawful reason and dont want to share this information with me please help

Credit card or prepaid card

this is so unfair its also unacceptable and unconscionable the three nsf fees charged on xxxxxxxx were all for transactions that were completed when the account was positive right after my payroll deposit was made on the xxxx of xxxx but due to a banking holiday labor day chase accounted was pushed back by a day and i have to pay the price if any nsf fee should have been charged it should have been for the transaction to xxxx xxxx only this is highway robbery

Theft/Dispute Reporting

how the xxxx do we allow these rental companies specifically in my case xxxx to put some mysterious hold charge on my checking account that takes the price of car for a week plus deposit which is subtracted from my account then magically disappears some days later when i return car and applies real charges how does chase allow this and where the xxxx is the traceability this is total xxxx my account has overdrawn due to this incredible xxxx arrangement that chase and xxxx have it s the century how can a transaction disappear also why the xxxx does xxxx get to charge me right away but when car is returned actual billing takes days this kind on non real time arrangement sucks and should not be allowed

Theft/Dispute Reporting

i missed a payment because i was hooked up to a xxxx in the hospital with xxxx xxxx i have called the lender and detailed the situation several times they have said that i dont qualify for forbearance or a good faith forgiveness however while i was in the hospital hooked up to a xxxx there was no way i could make payments since the missed payment i have continued to make all other payments timely the lender chase has essentially told me too bad and that they do not care about their customers xxxx was very hard to beat however i beat it and it is not right that now my credit score is point lower than it used to be and i cant qualify to buy my family a house the attached document shows a due date change that i made the payment by not only are the falsely reporting i was late but they also wont acknowledge that i was sick heartless

Mortgage/Loan

on my chase sapphire credit card received a charge in the amount of from xxxx which i did not authorize on i immediately opened a dispute in the local chase branch at that time chase gave me a temporary credit for the charge a few days later i canceled the card to refrain from my credit card being charged again fraudulently however on the unauthorized charge reappeared on my card again in addition on i received a letter from chase written advising that they received verification of the charge yet it was a fraudulent charge that i did not authorize therefore it is impossible for their verification to be accurate and i should not be held responsible for the charge chase has closed the dispute and rebilled the charge amount of to my card plus interest i am not happy with the way this matter has been handled as a result i do not appreciate the security measures that chase offers in protecting my account from unauthorized usage

Theft/Dispute Reporting