Date Received: 2023-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Got scammed by a business in XXXX XXXX pretending to be the USPS selling discontinued Forever stamps at a discount. I DID and initial transaction for {$71.00} on XX/XX/XXXX for stamps. The quantity was not clear, but thought it was for XXXX stamps. No confirmation email was received. Stamps came about 10 days later. Checked my XXXX statement and there was a second charge for {$340.00} for the same day. Name on company on internet : foreverusps Name of company on printed statement : foreverusps XXXX Realized I'd been charged way more than the going rate for legit USPS forever stamps. Reported to USPS. Directed via their email response to return said stamps to my local post office, which I did on XX/XX/XXXX. Reported dispute with XXXX company ( Amazon XXXX XXXX ). There was not a category that exactly fit the description of what happened so reported that I was dissatisfied with the product. The {$71.00} transaction dispute has been declined and closed by XXXX XXXX, because I received goods and did not have them to return to the seller. The {$340.00} charge is still open, but I suspect they'll not honor my dispute on that one either. I have not contacted the seller because I can not find this organization on the internet, nor listed at the address from which the " product '' was purportedly sent.
Company Response:
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My debit card was in the process of being replaced when the new digital card they assigned me got suspended. I received a letter in the mail but it did not detail why my card was suspended just that they were investigating a fraud claim. I called the bank 3 times and was finally informed that my account was suspended without a reason why. There was no prior notice or an attempt to transfer my funds to another account, Chase just told me I would have to wait 7-10 business days for my money to be sent to me.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Back in time more than say 16 months ago, Chase would refund every small business overdraft that was issued. Then all the sudden they forced a one year moratorium on my refunds and then once the moratorium was over they changed policy and will now only refund 3 overdrafts in a calendar year because in the chase employee 's words my account was deemed a " low value account. '' I asked what criteria was I being devalued and they never would provide an answer. I do not dispute that Chase has the ability to change its account procedures. I believe it should be able to. However shouldn't it have to tell me of this change BEFORE i incur several XXXX dollars in overdraft fees? This is ludicrious.
Company Response:
State: CA
Zip: 924XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The overdraft was caused by a stolenphone from a robbery.There were robberies at my car and they took my phones ( 2 phones ) from my hand and ran away from my car. ( So, I reported it to the police and there is a police case # XXXX, XXXX XXXX XXXX, reported on XXXX ) And they hacked and opened the Chase bank app using the XXXX transaction. And They transfer several transactions ( without my authorization ). These are the transactions & withdrawns totaling {$4000.00} that I DID NOT AUTHORIZED. - {$1000.00} x 2 times - {$2000.00} x 1 time -Total of {$4000.00} So, During these fraud transactions, I reported thefraud transaction right away to Chase bank and reported it to the police. After all, Chase refunded {$4000.00} instantly but they pulled {$4000.00} back!, because they investigated and decided that was under my authorizations. So, now I had the - {$4000.00} OVERDRAFT resulton my account and XXXX closed my accountwith OVERDRAFT action. ( Of course, I never gave the authorizations it was robbery. ) **Reference numbers : -Chase claim number : XXXX -Fraud Chase Checking account # : XXXX -New Chase Checking account which has been overdraft and closed ( after fraud account ) : # XXXX XXXX XXXX Unauthorizedtransaction amount and date : {$4000.00}, XXXX XXXX XXXX Fraud ID name : XXXX -State by XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: A wire transfer was made from XXXX XXXX at XXXX XXXX to my Companys account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the Money was fully transferred. Chase bank refused to give me the money and they never returned the money to the sender. I have called and visited the bank so many times to retrieve the money but they claimed the money has already been sent back and there is nothing they can do. Moreover, the Sender has also tried so many times at his XXXX XXXX branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In early XX/XX/2023, a Chase Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX ) and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via XXXX XXXX. I promptly notified Chase and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. Chase opened the claim, investigated, and issued a credit for the stolen check amount {$1600.00} on XX/XX/2023. However, Chase reversed this credit in XX/XX/2023, removing {$1600.00} from my account without a clear reason. When I called Chase customer service to inquire, Chase representatives provided different and conflicting responses. One explanation I received is that Chase has repeatedly contacted XXXX XXXX ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Therefore Chase can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when Chase would assume responsibility to reimburse me if XXXX never respond at all. The initial credit that Chase provided for me is only a courtesy and expires after 90 days if Chase can not resolve the dispute with the other bank. Another reason that other Chase representatives have provided is that a Chase employee had revoked the {$1600.00} credit in XXXX because they thought my account had been credited twice ( I only received the credit once in XXXX ; this is easily verifiable from my account statements and activities ). After dozens of times contacting Chase without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. Chase can not offer me any clear timeline or pathway for this issue to be resolved if XXXX XXXX never responds to Chases multiple inquiries. In the last letter I received from Chase on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from XXXX XXXX.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: I am currently facing an issue wherein Chase Bank has placed a hold on my funds for a duration exceeding three months. Their stated reason is the need to verify the funds deposited through a check into my account. However, they are encountering difficulty in verifying the check due to their inability to establish contact with the deposit makers.
Company Response:
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposit from a property sold were deposited on my checking account XX/XX/XXXX. This funds are coming from an escrow account from a title company. Chase bank did not verified this funds after I tried many times to provide the information to them. The amount was {$50000.00}. No funds were available and today is day XXXX. I am using the money to do a treatment for my daughters XXXX and they have not provided even a partial release. I cant wait for the funds until XX/XX/XXXX.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received 2 hard inquiries on my XXXX credit card profile from one Chase credit card application. The XXXX inquiries are listed below : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. JPMCB CARD Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through Chase 's portal and docusign. Then no one from Chase would review the documentation until I called back. Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS EIN confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX XXXX. As a result, I should have been approved for the card within 30 days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls. I tried to resolve the matter directly with Chase, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). Chase also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, a washed check cleared the business account that we wrote through XXXX in the amount {$14000.00} on check XXXX. We did not notice this as when we checked online banking the criminal had not changed the amounts! On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. That statement was published on XX/XX/XXXX. On XX/XX/XXXX our vendor made it aware to us that they had not received payments, we then went to our local XXXX XXXX branch found these XXXX washed checks and made a fraud claim. Both checks were deposited online to Chase Bank under XXXX separate names and addresses. The checks were written to XXXX different individuals but the handwriting on the back of the checks is nearly identical. The XXXX checks were deposited into these XXXX individuals separate accounts online. ( Most likely, these checks were online deposited into stolen or fraudulently opened accounts ) The individuals appear to be seniors living in Florida at different addresses. The total amount of fraudulently cashed checks is {$27000.00}. Both checks deposited online to Chase Bank. XXXX fraud department is denying our credits for this fraud due to late reporting on the first check. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. They claim that they are working with Chase to resolve but I find a resolution unlikely. I found out on the phone on XX/XX/XXXX that Chase has sent XXXX a denial of funds on the first check claim and still has not responded on the second check. I am getting information third-hand through a representative of XXXX XXXX who says they are not able to give me details on why it was denied by Chase and that it is based on their internal policies. I have tried to contact Chase fraud department and they will not talk to me as the accounts were not mine and I do not have any deposit accounts at this bank. Basically, both banks are denying us our money due to this fraud. In my opinion Chase is ultimately the bank responsible for this damage as they allowed these washed checks to be deposited online at their bank. Again, likely on fraudulently opened online accounts. They have chosen to handle transactions online which has left them vulnerable to these types of thieves. I simply dont understand how Chase can deny our funds when they clearly have online procedures set up rife with fraudulent activity. We need someone to work on our behalf to get Chase to pay us back our stolen funds.
Company Response:
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A