Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Date - XX/XX/XXXX Claim number XXXX Debit card ending in XXXX Claim related to account ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX XXXX a charge of XXXX for ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) was made to my Chase debit card linked to my Chase checking account. This was a fraudulent charge and was reported to chase the next morning. Chase immediately reversed the charge and started their investigation into this. Upon completing their investigation, they found this charge to be valid and removed the amount of XXXX from my checking account. Chase told me that this debit card was added to a mobile wallet a few months back before the charge has been made and assumed that it was a legit charge. But I do not use any virtual/mobile wallets. I have never used a debit card to make any online payments.This debit card was not saved to any online website or even had the details entered online anywhere. I only used this card 3-5 times to withdraw small amounts of cash from only Chase ATMs inside of the Chase bank. It never left the home other than those few times. I do not keep a debit card in my wallet on me. I have not added this debit card in any mobile/virtual wallet as I do not use Debit card at all. Chase is unable to give me details of when this card was added to a mobile wallet or who added it. Since I do not have my own amazon prime, there are no records of this to prove that I did not make the charge. Amazon does not recognize the charge as they would need an account to pull up this information. This seems like a case of a BIN attack or some hackers cracking my debit card without it leaving the home or having the info entered online anywhere. It is absolute incompetence on the chase fraud team on having recognized a fraud charge as a legit transaction. Chase stole XXXX from my checking account and is refusing to revert those charges back. I have reopened the case 2 times and still they are not being helpful at all. The reps who I spoke with were not helpful either. They said they can not do anything about it as it is the fraud team who makes the decisions. I am not being transferred to their back end team who makes these decisions. I even went to the bank branch nearby and even the people at the bank were unable to help me with this. Chase should be held accountable for this. It is absolutely disgraceful on their end.
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I went for an auto loan about 1 year ago on XX/XX/2022, it was 5 hard credit checks that should just count as one.
Company Response:
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: We have had a Chase bank account for the last 23 years. I am XXXX XXXX XXXX and have created a website XXXX. The XXXX who has a XXXX XXXX in XXXX XXXX and partner lives in XXXX. The costs of building this website could have never been completed here in the US based on the skill level of my colleague. I send money to him via XXXX when he sends an invoice through XXXX and have been paying him for the last two years. This XXXX project started in XXXX and basically took two years to build the content, and another two years to build the website that is free to everyone who wants to learn English as an ( XXXX ) student around the world. My deep concern and frustration regarding the recent closure of our business account with Chase Bank. I spoke to the current branch manager in XXXX and she stated leave enough money to avoid fees. We did that. Two weeks ago, XXXX sent a letter stating we need to close XXXX XXXX our bank account since XXXX. In addition, we have saving, checking and another business account with Chase. Calling Chase did not provide any information as to why the account must be closed. The person said we do not have to tell you why. Investigating this, an article in the XXXX XXXX XXXXXXXX has delivered a partial answer surrounding the suspicious activity report ( SAR ) has been filed. Further, discovering XXXX is not a legislative body but is a group on the government that investigates money laundering. However, being extremely concerned that our tiny company is being affected by suspicious activity report ( SAR ). Honestly, I do not know who to contact for assistance on the matter. I feel like our bank account has been singled out for something under the suspicious activity report ( SAR ) and there is no one person to answer questions. Now we are launching our website and I need to find a new bank. The lack of transparency and communication surrounding this decision has not only caused significant inconvenience but has also raised serious questions about the need for legislation to protect all consumers from arbitrary bank account closures. Not sure if this note will reach anyone who cares, but it sure would be nice to know someone cares.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/, I was notified by Chase Credit Journey with the a message stating card over limit. I logged into my Chase account and reviewed the message, which includes current balance, account number, and credit limit. I didnt recognize the charges plus I dont have any credit cards with the limit stated. To confirm, I reviewed my account versus my credit card number, which didnt match. I immediately called Chase and reported fraudulent activity. After calling Chase, I called Chase Credit Journey and reported fraudulent activity. I was transferred to XXXX XXXX and fraud department who shared that account was opened and I was selected as an authorized user. I confirmed that I have not shared my social security number nor have I authorized anyone to open credit of any kind. After the call, I changed all my passwords on my financial apps, put a credit freeze and added alerts through XXXX, XXXX, and XXXX.
Company Response:
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: That was the name given to me, they reached out asking for my consent to use my pictures on my XXXX account for a painting for the " XXXX XXXX XXXX XXXX XXXX '' and said I would receive a cut of the profits, which would have been {$850.00} out of a {$3000.00} total they were gon na be paid for said painting. First they sent me XXXX checks for {$500.00} each totaling {$1000.00}. They instructed me to send this money to their " painting supplier '' via XXXX. At this point I tried sending the original money back wanting to back out but they refused. The " painting supplier '' was XXXX XXXX to whom I have the phone number of, also of the original scammer. Afterwards they made me send {$500.00} through XXXX XXXX for more " painting supplies. This is where I started to find suspicion and attempted to send their money back but they kept telling me to send more money to a different person named XXXX XXXX XXXX, who's email and phone number I also have. After blocking them on XXXX and continuing our conversation via text messages, they accused me of trying to steal their {$1000.00}. They threatened to get their " uncle that works for the FBI '' involved to get me detained. After that they kept harassing me to send their money to the XXXX XXXX XXXX when I had already sent it. The next day I had to contact my bank to confirm with them that I was trying to make those payments so I could get this person 's {$1000.00} out of my account as soon as possible. Then they made me send {$50.00} XXXX times to a person named XXXX XXXX, which I also have an email and phone number. these {$50.00} deposits were to bypass the flagging of the {$500.00}. Afterwards they sent me even more money, first being a check of another {$500.00} to have me send even more money. They had me get XXXX and send this money to XXXX XXXXXXXX XXXX which went through. Then they wanted me to send {$130.00} to XXXX XXXX via XXXX for " delivery fees '' but that did not go through. Then another {$500.00} was sent to me to have me send {$400.00} to another XXXX account which I have the email off. Afterwards a back and fourth occurred. They then had me attempt a wire transfer with my bank to XXXX XXXX which also didn't go through. They continued to harass me to send more money to XXXX, XXXX payments of {$50.00}. And finally they wanted me to send {$1800.00} from the checks they deposited to my account via XXXX XXXX to XXXX. They had deposited a total of {$7000.00} in checks which was supposed to cover all the payments for the project and they had me send a total of {$5200.00} to all the people listed above. After the last transaction my bank returned all the checks for money that I didn't have anymore causing my account to overdraft to roughly - {$2500.00}. We had another back and fourth where I questioned them and they blocked me. After contacting my bank they were unable to give me any information to help me. They also never attempted to contact me, Now my back which is JP Morgan Chase if foreclosing my account which will appear on my record for years, and refusing to do any further bossiness with me in the future..
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Dont give into scams they might be a real person but instead are trying to get money from you
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I received a phone call and had multiple missed calls from a phone call from a XXXX ( XXXX ) XXXX at XXXX | answered when I got the call again around XXXX and spoke to who I thought was a Chase banker reprehenSive who was stating they were calling from Chase fraud department due to non normal activity of XXXX different charges in XXXX, Texas that were trying to be made. I told them that wasn't me that i am not out of town. The person mentioned they were going to close my chase card and mailed me a new debit card and not approve the transactions ( normal banking conversation ) they then called me back to tell me the call was not successful and had to give me a temporary pin code for my new chase card that I could add to XXXXXXXX XXXX within the next 2-3 hours. We hung up and I thought my card was safe and was waiting to receive my funds back from the supposably transactions that were taking place in Texas ...... I had my XXXX boys football games at XXXX & XXXX that same day so l was a little busy with them. After the game we grab some dinner I check my account and noticed all of the withdrawals that had took place. I immediately called the bank at XXXX at XXXX ( XXXX ) XXXX and was concern on these transactions if my card was closed and a new one was on the way. The reprehensive I spoke to said they had no call record of me speaking with anyone carlier and the transactions were done with XXXX XXXX at an atm located at XXXX XXXX XXXX XXXX. I filed a claim with fraud department. Today I went into a Chase branch and spoke with a banker XXXX XXXX located at XXXX XXXX XXXX XXXX she was very helpful called the fraud department and come to find out the bank denied my claim to return my funds due to it being done with XXXX XXXX So they are trying to say it was possibly me. I contacted apple pay and they have no record of me ever adding my debit card to my XXXX XXXXXXXX. I would like the surveillance camera views and the person prosecuted.
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking and saving account was been closed on XX/XX/XXXX. The last status of the account is XXXX " Debit DDA - Check Charge '' with amount - {XXXX} and- {$850000.00}. Including another " CHECK OR SUPPLY ORDER PPD '' with amount - {XXXX}. I called Chase 's customer service and got the answer that due to the sender of XXXX of my cashiers check deposit won't be able to verified. The cashier check is {XXXX} and deposited on XX/XX/XXXX. Then they decide closed my account. I only got the {$65000.00} check but missing the XXXX} check.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: received a letter in the mail in regards to a credit card application that was not approved or authorized to be open contacted chase to get me information as to how the application was placed was told they was unable to provide that info to me but was able to go to a branch to fill out a form in regards to application being placed without my knowledge
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A