Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase bank refused to review further or even approve my refund claim when someone hacked into my business account and made two an unauthorized transactions from my checking account through XXXX. They sended me into XXXX XXXX chase with XXXX and i was never able to speak to anyone that could help me. The reps at chase were : XXXX ( claims department ) and XXXX ( Supervisor with the claims department ) their number is XXXX XXXX
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX XXXX I received an offer in the mail from Chase for a Chase Slate credit card with a 0 % balance transfer interest rate for 21 months. I have 2 other Chase cards and had financed and paid off a vehicle through Chase with no issues. I was approved for the Slate card. When the documentation arrived in the mail, I saw the interest rate was 29.24 %, not the 0 % offered. I called customer service on XX/XX/2023. The call was recorded and I had a witness listening. I was told the account was updating and the interest would be 0 %. After one month of 0 % in XXXX XXXX, I went ahead and transferred a balance. After XXXX the interest went to 29.24 % and was not noticed by me until XXXX XXXX I immediately called, spoke to a representative, then her supervisor, to no avail. I asked that the complaint be escalated and a report was filed with XXXX XXXX. XXXX. I have attached their response. It does not appear as if they bothered to listen to the audio call from XX/XX/2023 when their representative told me the interest was updating and would be 0 %. I would NEVER have accepted a card with that rate. I would have canceled it on the XX/XX/2023 call to them if I had been informed that the rate was 29.24 %. I kept the card after that phone call based on their representation that the interest was 0 %, as I had applied for. This is extremely deceptive advertising and practice. I am seeking my interest reimbursed and will be transferring to another card.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I woke up to a digital letter stating my account is restricted and may be closed and when I called they told me my account would be closed within 10 business days, leaving my {$370.00} stranded, with no time frame on when I will receive my money.
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was called about a scammer using my debit card to verify I didnt make ca transaction. Them proceeded to say we had an active hack of XXXX and need to transfer money to protect the account. XXXX {$25000.00} transactions moved by Chase bank. I reported the fraud to chase and was explained that I was transferring the money to help a cousin with a down payment on a real estate transaction. Chase is refusing to replace the money scammed
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/year> I had my phone stolen. I had no passcode to enter my phone so they had easy accessibility to it. They somehow got into my XXXX and transferred {$5300.00} of my hard working money to a recipient Ive done business with in the past. Whoever broke into my car and stole my phone must have been linked to the recipient that received the money. I tried reaching out but I dont know his number since it was on my phone and he lives out of state so I cant even go to him. So I immediately reported it to my bank ( Chase Bank ) they opened up a claim and made me wait 10 business days and never gave me a credit. After the 10 days they said they denied it because the transaction was from the same phone all the other transactions were from in the past and I said of course, they stole my phone! They asked for proof it was stolen, so I went ahead and got a police report stating it. I sent it over, they looked it over and still denied it. Losing that money has caused severe hardship to where I almost got XXXX from my apartment because of the amount of money I loss. Its very hard to live life normally when they took almost all my money and the bank just not helping at all.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received an offer from Chase to open a saving and checking account which I did on XX/XX/XXXX. I was told from a Chase representative I could take a picture of my check and deposit it in my new account so I did that on XX/XX/XXXX in the amount {$2000.00}. After about and hour I received an email your deposit have been received and funds will be available on XX/XX/XXXX. Immediately I called and spoke with a representative who gave me false information. I called again about 5 to 6 times and got false information again. Finally I went to a local branch on XX/XX/XXXX. I showed the representative that the check had been cashed on XX/XX/XXXX from my bank. Now today XX/XX/XXXX and Chase is still holding my money with a restriction and refuse to release my money until XX/XX/XXXX. to mail a check to me which will take other 3 to 5 days to get to me. They have already verified that they have my {$2000.00} in there bank but is refusing to release my money to me.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
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: I sent a payment to XXXX Credit Card in XXXX. It was processed by JPMORGANCHASE and withdrawn from my checking account on XX/XX/XXXX. XXXX said I never made a payment so I sent them a copy of cancelled check and back of check for who and when they cashed it. XXXX said they would do nothing about it and I had to get it from JPMORGAN. After XXXX days and being on hold off and on for XXXX minutes they said they would not do anything because I don't have a card with them. So I asked her why they took my money then. JPMORGANCHASE owes me {$210.00}.
Company Response:
State: WI
Zip: 54751
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I have been working with Chase on a deferment for past mortgage payments and everything was complete. I was away for the holidays and they sent a property preservation company to inspect my property and do work. This was against everything we agreed upon and no one ever called me to see if the property was vacant or anything. Also my loan was never reported past due so this never should have happened. Chase refuses to compensate me or make this issue right.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My chase account with account number XXXX is closed on XX/XX/XXXX for no reason. I went to a branch and they told me I should be able to receive the check in around a month. On XX/XX/XXXX I called chase and they told me I can not get my money back. I received a checking summary that I still have {$8500.00} in my account but chase told me that my account is already closed and those money are zeroed.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, four transactions totaling {$570.00} ( {$210.00}, {$120.00}, {$130.00}, and {$96.00} ) were taken from my college account. Each transaction had the description of XXXX XXXX XXXX XXXX. After seeing the XX/XX/2023 transactions, I immediately called Chase Bank and reported the fraudulent activity. Chase indicated the fraudulent transactions and reversed them, putting the money back into my account. On XX/XX/XXXX, without warning, Chase reversed the reversal, taking the money back out of my account and creating a negative balance. I called to ask why they did this, and they said it was because of insufficient evidence. I then provided evidence of the fraud : screenshots of a scam message that I believed accessed my card information, as well as a notification sent by Chase that I had not previously seen, stating that my card had been added to an Apple wallet. On XX/XX/XXXX, Chase called me to say that my reversal appeal had been denied due to inconsistencies. I requested an explanation of the inconsistencies and was told they could not explain it to me. I asked who made that decision, and they told me the BACKROOM. I then requested to speak to the BACKROOM to discuss the inconsistencies and was told I was not allowed to speak with them. They also stated that only one phone was registered on their system. This directly conflicts with the text message sent by Chase stating my information was added to another phone. I asked what system was providing information that there was only one phone with my debit card on XXXX XXXX ( XXXX or Chase ), and they stated that only the people in the BACKROOM had that information. They said no when I asked to speak with them or if they could ask on my behalf. I received the same results when I went to a bank branch to discuss my case. With my reversal claim closed and my account still in the negatives, I was forced to pay the balance to avoid further overdraft fees. Im now at college without an active bank account. Chase Banks policy states : Purchases made with your Chase credit, debit, and/or Chase Liquid cards have Chase Zero Liability Protection for any unauthorized card transactions. This means you wont pay for any unauthorized transactions as long as they are reported promptly. Chase stated my debit card was only active on my XXXX XXXX, even though the notification to add the card to a new device conflicts with their statements. Further, since I had just registered my card on XXXX XXXX on my phone on XX/XX/2023, I would not have had to register the same card on the same phone again. Per Chases Zero Liability Protection, I promptly reported the fraudulent transactions the day I saw them ( XX/XX/2023, the day after they were posted ( XX/XX/2023 ). Chase is obstructing my ability to support my fraud case through their unwillingness to explain and discuss the reason for reversing and denying the fraud case, explain what they deem to be inconsistencies and refuse access to those in the BACKROOM who are allegedly making such decisions. Despite being aware of ongoing XXXX XXXX scams against their customers, Chase continues to deny fraud claims without supporting such decisions.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A