Date Received: 2023-11-28
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: Around early XXXX time, I was reviewing my credit card transaction history and noticed a charge at " XXXX XXXX # XXXX '' on my Chase Freedom Unlimited credit card statement. This charge took place on XX/XX/XXXX for {$160.00}. At this point, I looked into my wallet and realized the card was missing. At the time of the fraudulent charge, I did not have my card in possession and did not authorize anyone to use my card. The charge at " XXXX XXXX # XXXX '' on XX/XX/XXXX for {$160.00} was not authorized and thus violated Truth in Lending ( Regulation Z ). At this point, I filed a dispute on the transaction and reported the card as missing. The charge was temporarily removed from my statement and a new card was issued for use. During this time, I was using the card online and with XXXX XXXX. None of the transactions after that point of the fraudulent charge that were made in-person with the physical card were authorized. On Friday XX/XX/XXXX at XXXX I received a call from an investigator at Chase. The investigator asked me details about the transaction and asked me things like who was the merchant you gave the card to, what was the card number that the fraudulent transaction took place on, and why did you lose your card. The transaction was removed from my statement and the card number was updated and I was a little lost on the situation because it was from so long ago. Flustered, I asked more questions about what they were talking about because I was generally just lost about the situation. I informed them that I might have given the card to another merchant for an authorized charge, and left the card there, where it was stolen and then later used for an unauthorized charge at a different merchant not by me. At this point, the investigator informed me that she had conducted her investigation and I was responsible for the charge since I gave the card to a merchant. I explained to her that I paid a bill at a restaurant or bar and didn't get my card back. That doesn't make any subsequent charges that someone made on my card authorized. The investigator said that since the fraudulent transaction was made via chip, it was a secure transaction and could not be fraudulent. They also then mentioned that I could not have just lost the card, I would have lost other items as well and that I needed proof. I did not know what to say because I did not lose my wallet, I just left the card at a restaurant after paying and someone decided to use it fraudulently and make unauthorized charges. The investigator ended the call claiming the case was closed and I would have to call back to reopen it. At this point, I was so confused because I didn't have much details and needed to catch up my memory. I looked through my statement and realized that earlier that day of the fraudulent charge, I had eaten at the restaurant XXXX XXXX XXXX XXXX XXXX and the restaurant did not give back my card after I paid there. The card might have been stolen at the restaurant. I filed a police report documenting Identity Theft. I was incredibly unhappy with the way that J.P. Morgan Chase handled my dispute, using argumentative tactics to accuse me of making the charge. The investigator clearly did not understand that even if the transaction was made via chip, that does not authorize the transaction on my behalf. The transaction was not authorized and the perpetrator was conducting identity theft when using it. I was disappointed in how the investigator continuously accused me of making the charge, asked me to provide details over a month and a half after the incident and used that against me when I could not, and told me that the case was closed and that I would have to appeal in writing if I wanted to reopen the case.
Company Response:
State: CA
Zip: 90024
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: 2023-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: From the dates of XXXX XXXX XXXX, multiple fraudulent transactions were approved through my Credit card from an UNKNOWN foreign third party. These are obvious fraudulent transactions permitted by the credit card company despite no authorization provided from me in any way. The credit card company is refusing to provide proof that any authorization was given and refusing to refund these transactions. They are refusing to pursue communication with the scamming third party. They have failed to secure my credit and refusing to rectify the situation. The credit card company is CHASE bank. My account was secured with 2 factor authentication and my phone was never stolen or lost. Please help.
Company Response:
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Over the past year and a half, MANY fraudulent transactions- through XXXX XXXX XXXX XXXX XXXX XXXX, some sports book charges- have been sent out from my bank account at JP Morgan Chase . I have called Chase NUMEROUS times to dispute and complain about these things happening on my account. ( Someone actually told me recently that there were 22 disputes on my account, although I believe that there have been more ) Many times, I have been told that the case will be taken to someone higher and I will hear back from Chase, but I never did. This could possibly be a case of Identity Theft, but Chase never seemed to take any steps toward solving out the problem. In XXXX of 2022, I also completely closed down my Chase account and opened a new one, but these transactions STILL continued to occur. It's just shocking that not one member from Chase seemed fazed by the amount of false charges and disputes that I had made. Often, within a day of getting paid from work, money would be sent out to accounts that I do not know. I would call to open a dispute against these transactions, then the temporary credit would be placed in my account, but then money would get sent again almost as soon as the money was put back into my account. NO ONE at Chase has been helpful through this entire process and I am tired of losing ALL of my money. Something needs to be done.
Company Response:
State: NY
Zip: 11758
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: In late XX/XX/2023, I was enticed by advertising of a special offer ( hence forward : the offer ) posted at my local branch of JP Morgan Chase Bank ( hence forward : Chase ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, into applying for a Wepay credit card transaction processing machine ( hence forward : the machine ). I was vetted by various levels of Chase personnel, both at the branch and in other remote locations, received credentials to process transactions on line, and received the machine by mail. I started processing transactions consistent with my business and Chase terms of service in XX/XX/2023. My fourth transaction, which I processed on XX/XX/XXXX, remained pending ; on XX/XX/XXXX I received a Chase email telling me my account had been closed due to " high risk of chargebacks or dispute rate '', causing considerable damage to me and my business practices. This also put me in the position of not being able to fulfill my obligations stated in the terms of the offer, which were : I would receive a {$400.00} bonus after processing {$2000.00} in at least 5 separate transactions within 90 days of account opening. The bonus would have offset the amount Chase was charging me for the machine, {$330.00}, and processing fees for {$2000.00} worth ot transactions. In the following days and weeks, in response to my inquiries, I received further and contradicting notices as to how long funds would be withheld for. To this day, Chase has not completed the XX/XX/XXXX transaction for {$450.00} ; notifying me, at various stages, that that amount, or any other, could be deducted from my business account tied to the merchant account the credit card transaction processing machine relayed to. I have, and continue to have, an otherwise amicable 20 years relationship with Chase, entailing spotless conduct in my business and personal accounts. During the intervening 7 months, I have made countless telephone calls and in person visits to the bank; sent emails to various bank officials, and made myriad other efforts to resolve the dispute to reciprocal satisfaction ; to no avail. On XX/XX/2023, I received a written response declining my request for indemnification and started to patiently wait out the longest time lapse Chase had mentioned pertaining the missing payment. Once I saw no further recourse, I resolved to file this action. In my view, I am a victim of : false advertising by Chase and the entrapment it triggered ; fraudulent practices, as well as intentional damage to my business and reputation, and various violations of New York State and Federal Banking Laws. I wonder what effect this incident may be having on my ( till then scintillating ) credit rating. Chase 's staggering, arbitrary decision is causing me and my business additional damages, and I feel some of my basic civil rights have been violated. The resulting direct, immediate monetary damage, I quantify in USD XXXX plus interest.
Company Response:
State: NY
Zip: 10012
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After the previous complaint filed yesterday, spoke with the branch manager again XXXX today. Now, were told for the 100th time they want additional phone numbers to verify check deposit again after already verified multiple times. Spoke with the owner of the company and hes explained the check has been verified on multiple occasions as well
Company Response:
State: CO
Zip: 80204
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: On XX/XX/ I tried to revive a XXXX deposit and since it wouldn't take I called the customer services for JP Morgan Chase Bank and was informed that my account was blocked for closure with restrictions and that I could never again have an account with Chase. I inquired as for the reason and none was given. I went to my local branch and they reinforced what I was told on the phone. I was able to retrieve the funds I had but my Social Security check was returned without any warning. I never got a letter, a call, a text, warning, nothing Only found it because a transaction did not go through.
Company Response:
State: TX
Zip: 75038
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was a victim of XXXX data breach and would like all negative accounts removed and deleted
Company Response:
State: CA
Zip: 90250
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: Fraud or scam
Subissue:
Consumer Complaint: Someone made a wire transfer to someone that banks with XXXX XXXX XXXXXXXX. We do not know anyone that Banks with XXXX because we all bank with Chase. THe amount that was transfered was {$8000.00} on Claim # XXXX. Online Domestic Wire Transfer VIA XXXX XXXX XXXX A/C XXXX XXXX. We have no idea who this person was or is. Chase said that they could not do anything because it was done in the same routing area from my son 's telephone number. Chase keeps giving me the run around and they can't seem to have their story straight. THey say its XXXX and XXXX says that they are just waiting for a letter of agreement from the bank. I don't know what else to do. I send out letters to chase weekly and have not heard back. I feel that at this point they are just ignoring.
Company Response:
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A