Date Received: 2023-12-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, XXXX fraudulent charges were made to my Chase credit card to XXXX XXXX without my authorization or knowledge. The six charges were in the amounts of {$200.00}, {$200.00}, {$200.00}, {$210.00}, {$200.00}, and {$210.00}. On XX/XX/2023, an additional fraudulent charge was made to my credit card to XXXX XXXXXXXX XXXX XXXX. This charge was caught by the credit card and I received a fraud alert. I marked it unauthorized. I have included a PDF of this email. Upon seeing that my card number was being used in an unauthorized fashion from this fraud alert, I saw the other six fraudulent charges and immediately reported my card stolen, locked the account, and disputed the charges. Additional information was requested by Chase on each of the charges, which I provided. I have included a PDF of this form. I also called the Chase fraud department on XX/XX/2023 ; however, they were unable to discuss the matter over the phone at that time. I requested that they call me back, which they agreed to do. I never received a phone call. On XX/XX/2023, the review of the unauthorized charges removed XXXX out of the XXXX transactions from my account ; however, XXXX transaction ( for the amount of {$210.00} ) was determined by Chase to be my responsibility : Chase claims that I notified [ them ] that the transaction is valid. I did nothing of the sort. I have included a PDF of the review report. I attempted to contact Chase about this investigation and why/how this determination was made on this particular transaction when the other nearly identical transactions were determined not to be my responsibility, but I have yet to receive a response.
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My auto pays were being declined, I phoned the bank the Wednesday before XXXX and was told that I needed to go to a branch with ID, and if I failed to do so, my account would be closed in 8 days. When I asked for the reason, I was told the account had fraudulent activity. I asked what kind of fraudulent activity I was told that was all the info they would give me. On XX/XX/2023 I went to a Chase branch with ID and was told the account would be accessible in 48 hours. It is XXXX XXXX, XXXX and I am unable to get cash or pay bills. I explained that I am XXXX and my husband is XXXX and we need these assets to live on, that I now live 1.5 hours away from a Chase bank. And according to NYS ELDER LAW, it is a felony to withhold assets from a vulnerable, elderly person who needs those assets to live on. They have lied consistently about when my account will be unfrozen, and refused to give me an additional information.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This request is in reference to a transaction with XXXX XXXX posted to my XXXX credit card on XX/XX/XXXX this year. Having attempted to get justice on XXXX previous credit card disputes without the correct resolution, I have to use this method to obtain a truthful and just solution to an extremely sleazy and unlawful attempt to charge me, a Senior citizen ( who has contributed to the forward progress of this country during numerous times of need, although my way of doing it, usually is behind the scenes ) for a service that I never authorized. The transaction with XXXX occured after I had already made XXXX true purchase for a XXXX XXXX XXXX that was {$290.00}. During this real purchase I was required to supply my credit card number and security code thus allowing XXXX to possess this information with a XXXX XXXX intention. During the real transaction process, I became suspicious as although you had to create a username and password there were no instructions as to how and when to use it in relation to the XXXX. In fact I went thru the entire process and even at the end they still never instructed you how to access and proceed to use your pass. This made me think that it was some kinda scam but I figured out you probably had to login under the username and password. Once logged in you still didnt know if they were going to in fact honor what you had paid for. During the process you were never advised of additional charges of XXXX cent plus taxes until you paid for the pass and figured out you should login. After completing the process and booking a single trip for me alone, I decided it would not be fair on this type of trip to not take my wife. I immediately thought that I should purchase another pass for her as my initial thought was its should be more economical. I initiated an additional application and realized prior to supplying the credit card information that it may be cheaper to pay full price for her ticket instead of buying a pass for {$290.00} and the additional XXXX cent plus taxes. I then closed out of the app, erased my cookies and proceeded to research the full price and see if we could get on the same plane. After doing this I noticed that it was in fact cheaper as she was only going on the XXXX trip as the layovers were long and demanding. After this I then went back to the website and purchased a full price ticket for her. My hyphosiss is that I was either hacked or someone in XXXX went into the server and pulled up the incomplete application and filled in the credit card information. In the supporting documentation that was supplied by XXXX I have highlighted areas on page XXXX that shows, Booking closed, payment completed and the amount owed is XXXX ( in XXXX different areas ) As with XXXX XXXX, the other party is easily able to come up with a false answer to justify their argument after the fact since they have had time to think up a counter after I supplied the flaw. Information impactedness comes into play as I have unequal access to their server and the time stamp on my transaction. More details are supplied in the supporting letter to XXXX and highlights in the rejection letter on page XXXX. Please also let me point out that on that same page XXXX of the rejection letter at the very top it says : Invalid dispute. Accepted transaction is also disputed. This tells that I had accepted the XXXX true transaction so why would I open a dispute on something that I already had admitted was true and used during XXXX. The statement is truly biased and is paradoxical. No login credentials were created or no transactions were ever attempted on this phantom account although I did in good faith take another trip to XXXX via XXXX XXXX and XXXX on XX/XX/23. If I had gotten another pass, my wife could have gone with me for taxes and XXXX cent. That would have been an offer that I couldnt refuse as she did successfully manage the long layovers because of non direct flights on her full price ticket to XXXX via XXXX in XXXX. Having worked in Customer Service, Claims, including Management at XXXX XXXX companies, it is really hard to believe that no one in Frontier or XXXX ever considered that I might actually be telling the truth and never even realized how unreasonable it would have been for me to pay {$290.00} for a pass plus a full price ticket. To compound the situation, on page XXXX of XXXX rejection letter, in the passengers section it shows that I was already a member. Normally online this would trigger a prompt telling you that you are duplicating a transaction and do you want to continue. No such prompt. Hated to have to go this route, but the people analyzing this seem to not want to accept that this is the truth.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It shows a hard inquiry on my XXXX credit report with JPMCB - CARD SERVICES since XX/XX/ and I have never owed an account with them.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a credit card in early XX/XX/2023. The advertised perks included : XXXX. XXXX XXXX Nights credited to my XXXX XXXX Account within 60 days of opening the card. XXXX. XXXX XXXX Nights ( XXXX points equivalent ) if I spent {$5000.00} on the card within the first three months of opening the card. I called both XXXX and Chase when I noticed I was not receiving either perk, nor was I receiving the normal points just for spending on the card every statement. To date, I have not received a single reward point, nor have I received my XXXX Elite Nights and it is now going on 90 days since I opened the card. I called Chase Bank on the following dates/times, and am including the length of my calls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time I was given differing information. I was first told it would be after two billing cycles. I confirmed verbally my Chase and XXXX XXXX accounts were linked and was informed that yes- I was ( XX/XX/XXXX ). On XX/XX/XXXX, I received an electronic notice from Chase Bank that ( summarized ) stated the accounts were not linked so I was not receiving my rewards. It stated I needed to take the following steps : " Log into your XXXX XXXX account at www.marriott.com to update your information ( e.g. name and physical address to match your Chase account ), or contact a XXXX representative at XXXX to assist you in this process. Once your information is updated on your existing XXXX XXXX loyalty account, please contact Chase at the number on the back of your credit card with that information and we will complete the linking process. '' I did the steps to confirm. My address has not changed, nor has my name. I reconfirmed with XXXX XXXX and then called Chase Bank to re-confirm. I was told I would have a " ticket '' issued to have this resolved within XXXX business days. I still received no rewards. I called twice on XX/XX/XXXX, and was informed on the second call this was escalated and expedited and would see it resolved within XXXX business days. I also confirmed I had already reached the {$5000.00} spend threshold to receive my reward points and " free nights '' in addition to the Elite Nights I should automaticall receive within 60 days of opening the card per the cardmember agreement. To date, I have still not received any points credited to my account. I have not received my XXXX XXXX Nights. I have received no follow ups from Chase Bank for my " expedited tickets '' to resolve this issue. I am now heading into the holidays and holiday travel with no updates and no information on how to receive rewards relating to travel. I have done my due diligence to resolve this with Chase Bank, but am not receiving what is promised in the cardmember agreement - or any guidance on any possible issues on any phone calls with their cardmember services. I hope the FTC can help resolve this issue and have the bank uphold their obligations to issue the rewards noted in the cardmember agreement.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I was hired for creative photography services by my client, XXXX XXXX. I was paid in full prior to the travel photo shoot, traveled XXXX hours round trip to perform the shoot for a group of XXXX people. I completed the services I was paid to do - despite pouring rain during our entire session. After the session, the client 's father came out to tip me for " going above and beyond '' as he put it. I edited the photos, sent them to the client, she said she loved them ( I have this in writing ) and that she couldn't wait to share what we captured with her family. She proceeded to download all of the images on that same day ( I have download activity and emails to prove this ). After client had downloaded and shared all images, she filed a dispute with her bank for the charge with the reason of " product not received ''. In shock, I immediately disputed this claim and followed the instructions to upload all evidence I could proving she did in fact receive the images she paid for and downloaded and shared them. Despite providing tons of evidence proving this allegation false, her bank ( JP Morgan Chase ) ruled the dispute in her favor and permanently withdrew funds from my Stripe merchant account that is connected to my business checking account with XXXX XXXX. When I read the notes within the dispute from her bank, they had noted their reason for ruling in their customer 's favor was that I failed to provide evidence to show that I had delivered the files to their customer. This is a complete lie, and their customer committed credit card fraud against a small business owner to get something for free. In the evidence I uploaded, I even included a screen shot of XXXX XXXX ' portrait gallery, providing all of the hundreds of images she received. I uploaded download activity and even her XXXX address, the same XXXX used when she made her payments. I included our contract stating what she received and proof on so many levels that she received all that she paid for and then some. I sent an email to XXXX XXXX within the dispute claim per the email in the documents attached to the claim. XXXX works at Chase bank so I sent her emails regarding this matter to which she did not respond. I have tried to resolve this directly now XXXX times before taking this step. To no avail, I've been ignored and received canned responses from XXXX saying that resolutions for disputes are final and nothing can be done. This is credit card fraud. Chase 's notes are inaccurate and state the reason for ruling in their customer 's favor was " XXXX failed to provide proof that they send all of the photographs. '' This isn't even written in proper XXXX so I'm guessing care wasn't taken at all in this matter and they didn't even look into it. I even emailed XXXX XXXX more times with a screen shot of XXXX XXXX XXXX full portrait gallery with over XXXX portraits in it and no response. The same screen shot that was supplied as evidence along with everything else they asked for - contract, invoice, estimate, signatures, email communication from the client stating she received the images and that she loved them, etc. What's more is this client has done this before. During our session, she continued to tell me about " photographer drama '' with other photographers she's hired in the past. Multiple stories. I feel this is how she operates and she needs to be reported for credit card fraud and a police report needs to be filed. I would like the bank to re-open this case and actually READ the evidence that I submitted, because if they did, there is without a doubt no way they could rule in their customer 's favor. I have supplied so much evidence to the contrary.
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I mobile deposited a check in the amount of {$6400.00} addressed to my XXXX as I am XXXX XXXX XXXX XXXX XXXX XXXX I previously had a business checking account with Chase and was unaware it was closed due to inactivity so the check went to my personal account. Once the check was deposited I received an alert that hold was placed on the check due to the payee name and was advised if the issuer confirmed the check could be paid to me as well the funds would be released into my account. The fraud specialist found the phone number of the issuer on their website and contacted the accounting department to verify the check can be paid to me as well. The account department confirmed it can be paid to me and my business. The fraud specialist stated a note would be sent to back office team and the restriction would be lifted same day within XXXX minutes. I attempted to use my account the next day and the restriction was still on the account. I called Chase fraud department again and they said back office would not remove it because the phone number was not verified in their system. They asked for another verified phone number and I gave them my clients corporate phone number to verify the check and they advised that was not a good number as well. I was advised to go into a branch and show proof that this is my business in order for the restriction to be lifted. On XX/XX/2023 I went into the branch and the branch manager verified my business from Secretary of State and verified my XXXX name that was on the check. I was told to reopen a new business account in order for the restriction to be lifted. I opened the new business account. On XX/XX/2023 I called and was told the restriction still will not be lifted because Chase still has to verify the check with issuer through a verifiable phone number not on google or the client website even after I went into the branch and provided all documentation. I advised these were the only phone numbers my client provided me with and this is my business and that a previous specialist has already verified with accounting. My client advised me that the check cleared their account on XX/XX/2023 which means Chase has been holding my funds for more than 14 days with no explanation and no sense of urgency to release my funds. I have provided all documents and phone numbers and this issue is still not resolved.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Greetings, I had a large amount distributed into my XXXX account from my college refund check from my college and I tried to withdrawal it at the ATM but I was able to withdrawal some but not all of it because theres a limit on withdrawing on XXXX. I cashed out the rest of my money into my chase so I can withdrawal it all at once. When I went up there to the branch for some I wanted to withdrawal the money out but they said they cant help me because I didnt remember my pin at the time and I didnt have my 2 proof of ID verification but I came the next day and had my 2 proof ID than they told me my account was suspended out of no where and than I asked them why than they said they need proof on where I got the money from I went to my college and provided all the documents they needed they was able to reopen my account but my money was never able to be received and with out my money I will be in debt.
Company Response:
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a credit card with XXXX XXXX XXXX in XXXX of XXXX. I attempted to make a payment to my account electronically, and it was returned, even though there was far more money in the account than the payment I made. I checked the account numbers and tried again, and the payment did not go through. I changed the account it was drafting from and tried again and it did not go through. I called XXXX XXXX XXXX and was told that their payments are handled by a clearinghouse, and they couldn't help me. I had a deadline coming up, so I mailed them a check. I wrote the check on XX/XX/XXXX, and mailed it XX/XX/XXXX or XX/XX/XXXX. I mailed it to the address on my bank statement, XXXX XXXX XXXX, XXXX, TX, XXXX. The check was written out to XXXX XXXX XXXXXXXX, in the amount of {$550.00}. The check did not clear by the payment due date of XX/XX/XXXX, so I had to pull money out of the meager savings I have to attempt to move. I called them and was able to make an electronic transfer over the phone, in the amount of {$35.00}. The check cleared my bank on Monday XX/XX/XXXX. I eagerly checked my XXXX XXXX XXXX app, and saw that my balance had not gone down. I checked it again on Tuesday, and on Wednesday. By Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX I called XXXX XXXX XXXX to find out why it had not gone down. I was told it could take 7-10 days for the check to finish going through *their* system and be reflected in my balance. About 2 weeks later it still had not gone down and I checked my bank again. It had been endorsed by machine, by JPMORGANCHASE. I didn't realize that that was Chase Bank, I assumed it was XXXX XXXX XXXX XXXX clearinghouse. So I called XXXX XXXX XXXX to see what was up, only to be told that they handle transactions directly and they did not use a clearinghouse and she didn't even know what a clearinghouse was. So someone there is lying to me, for starters. She refused to help me in any way. I called my bank again now that I understood that the money had been stolen, and they repeated that there was nothing they could do about it. She emailed me a copy of the scans of my check, front and back, showing the endorsement. I finally understood the endorsement, and I called Chase Bank. I explained that they had cashed a large check made out to another banking institution, and that was a federal crime. I wanted to give them the strings of numbers printed on the back of my check so that they could do an internal audit, see who deposited it, and get me my money back. He claimed he could not help me because I did not have an account there. He refused to listen, even loudly speaking over me when I tried to read him the numbers, and also refused to tell me where I could send the image that my bank had provided me. Now that I also know that credit card companies have fraud departments, I notice that he also did not transfer me to their fraud department. I called XXXX XXXX XXXX AGAIN, and they opened an investigation. A few weeks later I got a letter saying I needed to fax them proof of the payment I claim I made that they didn't credit me with. I printed the scan of the check that my credit union had sent me and faxed it back to them. A few weeks after that ( XXXX by now! ), they sent me back a letter saying they didn't cash it, so they can't do anything to help me. They should be contacting Chase and getting it settled between them! Nobody is helping me, from any of the 3 banking institutions, and as a private citizen, I can not possibly go up against a bank, even if I could afford a lawyer, which I can not. I have filed a complaint with the Oregon DOJ, and am going to do so at the federal level as well. I am also going to contact the USPS investigator 's department, as it is almost certainly a postal worker who stole it, since my outgoing mailbox is locked and only USPS employees have keys, the apartment manager doesn't even have the key. I don't know what else to do. That money was from a XXXX XXXX XXXX to help get me a XXXX mobility aid. It was donated by my friends to help me with my XXXX. I feel so awful that THEIR money was stolen from me! PLEASE help me!
Company Response:
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I, XXXX XXXX, received a phone call from chase stating my business bank account has been compromised and a wire transfer for {$5000.00} has been made. After receiving that phone call, I told them let me call chase since chase never calls clients. I called the number on the back of my chase banking card, at this point I noticed the number that called me was the same number as the number on the back of my bank card. After being connected to a chase representative due to calling the number on the back of my bank card, they did inform me that a wire transfer was done for {$5000.00}. The person who is a chase representative then told me that in order to avoid over drafts you need to transfer money from my personal account to business account. Once that is completed we can do a wire recall to get the {$5000.00} back. After completing the recall I was told to wait XXXX hours and check my bank account the next day. On XX/XX/XXXX I went back into my bank account and noticed another wire transfer for {$4200.00} went out. This {$4200.00} was transferred into my business account to cover my upcoming bills which I was told to do by the chase representative. Now with {$9200.00} gone I went to the chase branch and spoke with the branch manager to resolve this issue. I was told by the branch manager since its a wire transfer, we have to contact the recipient bank to get your money back but the recipient bank may not give it back. After completing claims with chases fraud and scam department they kept telling me it will take XXXX business days to hear anything from the recipient bank. It has been 7 months now and I still don't have the funds back. I have filled complaints with the Office of the California General Attorney, FBI, and had a lawyer send chase a letter to responded back to. Took Chase a month to respond to these complaints. Chase response was that I was scammed and there is nothing I can do about it. Chase said I approved these wire transfers which is not correct. These wire transfers were not authorized by me and the scammer took over chases phone system, text message system, and duplicated chases phone numbers. I have documentation showing that the scammers duplicated chases system by text messages and phone calls. I even have claim numbers with the fraud and scam department I will attach to this document. I have information of the recipient bank which was XXXX XXXX out in Texas and account numbers of the recipient. Once I found out it was XXXX XXXX who received the funds I went down to the branch because I was told the Wire Transfer was made in my name to a XXXX XXXX bank account in my name. I do not have a XXXX XXXX bank account and when going to the branch to have them look into that account they told me I do not have an account with XXXX XXXX. Therefore, the result I am looking for is to get my funds back in order to keep my business up and running.
Company Response:
State: CA
Zip: 92860
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A