Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX after many attempts to get all the fraudulent charges removed off closed cards. Chase reported to the Credit Agencies that I closed my credit cards, that fraudulent charges were valid, and said I have late payments. All XXXX cards were closed involuntarily by Chase with 5 lawyer retainers in dispute. XXXX XXXX and XXXX XXXX was removed when the card was closed and 3 reversed back XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX de la XXXX XXXX. All lawyers under investigation with the Florida Bar Association, I sent this information CERTIFIED MAIL to Chase with new information showing investigation #, contact information, court papers and emails that all attorneys withdrew and then when I called Corporate office XXXX they said not received. Then I was sent on a goose chase, where they said would not reopen unless I faxed in from a branch. So I drove to XXXX, faxed in over 30 pages and kept calling every week to remove {$22000.00} off my credit, I was told still investigating and then in XXXX received collection calls and texts missed payment, I called the credit agencies and was told my XXXX now XXXX when it was XXXX! Derrogatory reporting from Chase who said to XXXX, XXXX, and XXXX that it was not fraud and I closed the account and did not pay, So I consulted with Debt collection lawyers who advised me to file a police report and they will help me fix with the credit agencies, However Chase is suppose to remove the fraud charges from the closed accounts and report to the agencies that Chase closed the accounts due to fraud. I never volunteered to close my account, I used my business card for my property management company and had over XXXX vendors on autopay, so it was a painful experience and damaged my business as my Insurance company did not reinstate me and now my policy binder is higher without autopay, Also my XXXX has to be over XXXX or my credit lines decreased ( have over XXXX in credit ) and now when I want to do a flip charged XXXX % because of bad XXXX when I usually pay XXXX % so a business loan is costing me $ XXXX more a month in interest payments on my XXXX XXXX loan to flip. I need this corrected immediately and the derrogatory reporting removed because I never had a late payment with Chase or any of my other XXXX credit cards, On XX/XX/XXXX I emailed and faxed to Corporate Chase # XXXX XXXX XXXX CFPB XXXX FTC XXXX I told Corporate that my rights of FCRA is being violated, my business credit is damaging and I demanded the charges be removed permanently just as the other 2 were removed. I was told when the account was closed that all 5 charges were permanently removed and I paid the balance of the valid charges off when the card was closed over {$5000.00}. I am very upset that after XXXX years as a Private client that Chase would allow FRAUD charges to remain on my credit! Chase should have closed cards that had retainers ( whole foods was closed for no reason ) and have sent a letter stating I could no longer use credit cards to pay retainers. I was punished after being scammed and this is horrible how Chase has ignored my emails and correspondence, After I faxed in police reports and new information, a letter was mailed saying that they did not contact me because I put a cease and assist, which is false. I wrote a handwritten letter explaining I said stop collection texts and calls saying I owed money when there is not suppose to be a balance. I demanded the money taken off the closed cards and that Chase corporate could call me to tell me this is fixed. 
Again no response by email, phone or letter. Chase is horrible and now I have to get a lawyer to help me because I can not refinance, take out a loan, or do anything with credit until Chase takes this {$22000.00} off the closed cards, fixes the reporting to state balance was XXXX when closed in XX/XX/XXXX, and that I was never late. 
I want my XXXX back and I will never use Chase credit cards again, I dont have these problems with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase does not respect their clients and should pay me for the damage to my business as I suffered since XXXX fighting disputes from con artists, EMAIL TO CHASE XX/XX/XXXX BEGGING TO REMOVE CHARGES : I WILL FAX IN MY REQUEST TO CHASE TO FIX THE CREDIT REPORTING, REMOVE 3 CHARGES PERMANENTLY AND REMOVE LATE REPORTING AND DERROGATORY INFORMATION FROM ALL 3 CREDIT AGENCIES IMMEDIATELY! WILL FAX FRIDAY, XX/XX/XXXX FROM A CHASE BRANCH THIS EMAIL SIGNED TO : XXXX Documents sent to Chase certified mail, fax from branch XX/XX/XXXX, and letter from Florida Bar that lawyers are under investigation. Again no response or help from Chase Executive Office is ignoring my requests. 
I ATTACHED MY PROOF AGAIN. 

ALSO I DID MAKE A {$300.00} PAYMENT WHILE IN DISPUTE. According to the XXXX the cap is {$50.00} per charge so 3 charges are still on closed accounts : Federal law ( the Fair Credit Billing Act, or FCBA ) sets out a dispute process to help you get those mistakes fixed on credit cards and revolving charge accounts ( like open-end credit accounts ). Unauthorized charges. Federal law limits your responsibility for unauthorized charges to {$50.00}. 

Using Credit Cards and Disputing Charges | Consumer Advice The XXXX protects consumers from : Fraudulent charges Limits liability to {$50.00} if reported within 60 days of receiving the statement IT IS ILLEGAL TO DAMAGE MY CREDIT ON FRAUDULENT CHARGES. ALL OF THE LAWYERS ARE UNDER INVESTIGATION WHICH TAKES YEARS AND NOTHING WAS DONE REASONABLY WHEN I WAS TOLD LAST REVERSAL OF DISPUTE THAT ALL OF THE 5 CHARGES WOULD BE PERMANENTLY CREDITED AFTER SUBMITTED THIRD PARTY LETTER FROM ANOTHER LAWYER STATING A RETAINER WAS TAKEN AND SERVICES NOT DONE. 2 OF THE 5 CHARGES WERE CREDITED SO SOMEBODY MADE A MISTAKE IN THE BACK OFFICE, PLEASE LOOK AT THIS ARTICLE, THIS IS A SCAM THROUGHOUT FLORIDA : XXXX : XXXX Clients say ANOTHER XXXX lawyer disappeared, Florida Bar didnt warn them of his past : XXXX XXXX I consulted with him last year! Website still up after stealing {$80000.00} and going on a XXXX  XXXX. 
Clients say XXXX lawyer disappeared, Florida Bar didnt warn them of his past Clients say XXXX lawyer disappeared, Florida Bar didnt warn them of his past Clients say XXXX lawyer XXXX, XXXX 


Source : XXXX XXXX XXXX investigating 3 years, he still shows good standing!! 
XXXX XXXX XXXX XXXXXXXX And hes still on XXXX, still website up, taking others people money and not doing work.!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  - XXXX XXXX, FL HE HAS TAKEN XXXX  FROM CLIENTS AND FLORIDA BAR STILL SHOWS IN GOOD STANDING!! THE SYSTEM IS FLAWED! 


**CONSUMER FINANCIAL PROTECTION BUREAU IS NOT PROTECTING CONSUMERS AND I SHOULD NOT BE A VICTIM AGAIN AS THE BROKERS STOLE OVER {$130000.00} IN SAVINGS,, THEN COURT JUDGMENTS FROM DEFAULTS AND LAWYER NEGLECT OVER {$50000.00} IN SANCTIONS, AND NOW {$22000.00} IN FRAUD CHARGES RUINING MY STELLAR CREDIT AND MY BUSINESS RELIES ON MY CREDIT!! 

PLEASE REVIEW THE COURT DOCKETS AS YOU WILL SEE THE ATTORNEYS ALL WITHDREW AFTER TAKING RETAINER, IT IS A SCAM. 
Case Search - Public - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Public - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM SURE YOUR INHOUSE COUNSEL CAN CONFIRM ALL 5 LAWYERS WITHDREW OFF 5 CASES AND SEE THE SANCTIONS AND JUDGMENTS I RECEIVED FROM THEIR NEGLECT! 

XXXX- XXXX XXXX case lost {$8000.00} XXXX  XXXX XXXX XXXX XXXX - XXXX case lost {$60000.00} XXXX CA XXXX XXXX - XXXX XXXX  case lost {$22000.00} + title company forged release XXXX XXXX XXXX XXXX XXXX XXXX case lost {$7000.00} XXXX  cash lawyer never filed anything XXXX  XXXX XXXX XXXX - XXXX case lost $ XXXX XXXX XXXX, $ XXXX house Lender Malpractice was cleared to close XXXX XXXX THE DECISION FOR CHASE TO CREDIT 2 OUT OF 5 MAKES NO SENSE WHEN ALL 5 ATTORNEYS DID FRAUD. ALSO CHASE NEVER CONTACTED TO BAR ASSOCIATION TO CONFIRM THE LAWYERS UNDER INVESTIGATION. While I was fighting these disputes XXXX XXXX ( XXXX XXXX partner who charged my card on XX/XX/XXXX has his license revoked, and XXXX is next ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX PHONE NUMBER # XXXX FROM XXXX MONDAY TO FRIDAY INVESTIGATION NUMBERS : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX Florida Bar already had a disciplinary proceeding underway against the attorney that began more than XXXX years ago. XXXX XXXX XXXX The system is flawed. I am a victim of brokers kept deposits, Thereafter lawyers took money without getting deposits back, and then after those crimes Chase reverses fraud charges damaging credit! 3 times a victim from these crimes. Private client and Business with Chase over 30 years!! My first mortgage in XXXX with Chase to purchase XXXX XXXX XXXX XXXX NY XXXX which I paid off mortgage early in XXXX. 

I have never missed any payments with any of my loans or credit cards that i always paid balance in full every month. 
Before this fraud happened on my credit cards my XXXX was XXXX it IS NOW AT XXXX BELOW STANDARDS FOR ANY CREDIT OR LOANS!! 
I never had any missed payments and excellent credit. Now the only scar and derogatory reporting is from Chase. 

Credit reports state : Accounts closed by customer, THIS IS FALSE. XX/XX/XXXX Chase closed XXXX credit cards without notice due to Fraud. 

Second showing a balance, when cards closed disputed charges ALL 5 were suppose to be permanently credited. Cards were suppose to be closed with XXXX balances. In XXXX I paid over {$5000.00} for the other services charged to card. I did not pay to fraud reversed charges. 
XXXX XXXX {$5000.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$7000.00} All reversed twice and interest accruing since XX/XX/XXXX also alerts stating missed payments and collections calls. I told them to cease the texts and calls from collections NOT to stop the investigation. 

I NEVER STATED TO NOT CALL ME TO REMOVE DISPUTED CHARGES. I STATED I SHOULD NOT BE IN COLLECTIONS AS I HAVE NEVER MISSED ANY PAYMENTS AND DID PAY OFF THE OTHER VALID CHARGES THAT WAS NOT FRAUD, MY XXXX HAS DROPPED XXXX POINTS AND THIS MUST BE CORRECTED SO I CAN DO LOANS FOR MY BUSINESS!! THIS ERROR IS DAMAGING MY INCOME!! 

I REPORTED THIS CRIME AND FILED POLICE REPORTS. I HAVE BEEN A PRIVATE CLIENT AND BUSINESS CONSUMER WITH XXXX OVER 30 YEARS. I NEVER MISSED ANY PAYMENTS AND WHEN MY XXXX CARDS WERE OPEN WITH OVER XXXX IN CREDIT, I ALWAYS PAID BALANCE IN FULL EVERY MONTH. MY FIRST MORTGAGE WITH XXXX IN XXXX I PAID OFF EARLY AND NEVER HAD A LATE PAYMENT. THIS ERROR ON MY CREDIT REPORTS IS DEFAMATION OF MY CHARACTER AND REFLECTS BAD CREDIT! Section XXXX ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

CHASE NEVER SHOWED ME HOW THEY DETERMINE 3 FRAUD CHARGES OR VALID, WHEN ALL 5 CHARGES THE SAME. LAWYERS CHARGED AND PROMISED TO FILE MOTIONS, THEN WITHDREW WITHOUT DOING ANY MOTIONS TO RETRIEVE MY DEPOSITS ON ALL 5 CASES, CHASE DID NOT CHECK THE DOCKETS AND SEE THAT ALL 5 LAWYERS WITHDREW AFTER TAKING MY MONEY!! 
THERE IS NOTHING VALID OR REASONABLE TO DAMAGE MY CREDIT AND DEMAND I PAY FOR FRAUDULENT CHARGES!! 


PLEASE REMOVE THESE 3 CHARGES AND CORRECT REPORTING TO AGENCIES THAT I WAS NEVER LATE, THERE WAS FRAUD, AND I DID NOT CLOSE THE ACCOUNT. CHASE CLOSED THE ACCOUNTS INSTEAD OF JUST GIVING ME A NEW ACCOUNT NUMBER AND NOT CAUSING ME MORE FINANCIAL HARM. MY XXXX IS MY LIVELYHOOD. THIS IS DAMAGING MY ABILITY TO GET A LOAN AND MAKE MONEY WITH MY BUSINESS. 

XXXX XXXX XXXX XXXX loyal customer of XXXX years

Company response to consumer: Closed with explanation