Date Received: 2023-11-27
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 a {$15000.00} credit card was perpetrated which fraudulently used my stolen or lost Chase Card at XXXX XXXX in XXXX XXXX, XXXX Chase Card initially reversed the charge but after conducting an incomplete investigation reversed the charge against my account claiming I had benefited from the purchase- this despite the availability of video which identified the fraudster as well as a completed police report documenting the events with the XXXX Police Department XXXX
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have contacted Chase initially as I got scammed by a XXXX scammer in XXXX. I have offered to provide any proofs as necessary and was advised they will contact me when they need it. Even thought they have my address on file and it clearly shows I am located in PST zone in WA state I received a call at XXXX XXXX which I was obviously not awake for. I immediately return the call only to be told by advisor they had no idea about what I was contacted as the agent didn't leave any notes so just keep an eye if she calls back. No one called back instead my claim was suddenly denied. I was never asked proofs, never contacted again, chase failed to do any investigation as they never even requested all hard proofs I still have to this day how I was blatantly scammed by a professional scammer. I have contacted chase and asked to speak to a supervisor I was denied by the agent- which infringes the right as a consumer to speak to a supervisor. Further on agent opened the claim again promising to actually resolve it and get the evidence and advised me - previous agent did not fill out the claim correctly. I was appalled. Once again I trusted Chase to finally do its due diligence however once again I was scammed on this foolish belief. Only 5 days later the money was taken out of my account again. The most obscene part of this they did not even contact me, did not send any letters to advise my claim was denied. They just silently denied it. I can't believe a bank is actually functioning at this capacity when they treat their customers like this. Chase has never helped me with a single claim and I may have filed like 3 in 10 years I've been with them. They are greedy scammers and I don't know where else to go to hold them accountable. I want the money to be given back and the investigation to be actually done with evidence I have and not deny my claim when I clearly was scammed.
Company Response:
State: WA
Zip: 99163
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I had made a deal with a self owned company, XXXX XXXX, through an app called XXXX. It was for a purchase of a XXXX XXXX, under the computer and electronics category. He had the item listed for either shipping or pick-up. For convenience, I had asked him to ship the product and he promised that it would ship to my address within XXXX days. He requested the payment through XXXX and the total was {$1100.00}. His name under XXXX is XXXX XXXX with the phone number, ( XXXX ) XXXX. After I had sent him the money, he told me he would ship the item on Monday since Sunday theres no mail. On XXXX, he messaged me that he had shipped out the item but after that he never responded to my messages. I had researched more about this so called company and have discovered that many have fallen victim to his scams. I do have proof of other people being scammed by the same person. This is now considered a fraudulent transaction. I have learned that banks are suppose to help reverse transactions if it is due to scams and/or frauds as of XXXX. I had made a phone call to my bank on XX/XX/XXXX about this fraud and they did nothing to help me. To my knowledge, banks are now required to help recover finances if proven to be a scam or fraud.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I noticed I can not login on to Chase App during XXXX trip and it shows account locked due to unusual activity. I called two representative and they do not have any details about this incident except they said Chase has decided to close all my checking accounts. The only recent activity on my checking account is XXXX payment from my girlfriend for our trip. I hereby declare there were no suspicious or illegal activities on my account for the five years of opening.This was extremely disappointing and needed immediate action. I have all my funds in the account and several bills needed to be paid timely within a week from now.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I have read many times over the years that paying at least half of your mortgage payment XXXX weeks early will reduce your interest paid by a significant amount. I attempted this in more than one way with JpMorgan Chase but payments were not credited properly. My interest and principal payment is {$1600.00} monthly. I have always paid this on time and always with additional to principal. Initially by paying {$2000.00} by a few days before it was due on the first of the month. Then for my XX/XX/2023 payment, I increased the amount remitted to {$2100.00}, still in XXXX payment a few days before it was due on the first of XXXX. So far, so good. For my XX/XX/2023 payment, I began sending {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. JPMorgan Chase credited both those payments to principal and nothing to interest due nor the additional to principal and charged me an {$81.00} late fee. When I called them on the phone, the representative told me that I had already paid the late fee, and it could not be reversed. I then went into a Chase Bank branch and sat with a XXXX XXXX XXXX who got on the phone with customer service. XXXX told us that if the payments were changed to automatic payment ( JPMorgan would debit my checking account from another bank ), the payments would be credited properly. They also said that they would reverse the payments and apply them they way I intended and send me a verification of the corrections. They never did send verification. So, I started automatic payments at {$1000.00} XXXX weeks before the due date of the first of the month and a second automatic payment a few days before the first. JPMorgan then applied the first payment to interest only making my second payment inadequate to pay the principal due. Another late fee of {$81.00}. I called customer service, we spoke, but the following month they held the first payment ( which again was XXXX weeks early ) as unapplied until they recieved the XXXX payment - contradicting what they had told me about it being applied to principal when recieved. I then started sending the entire payment due plus an additional {$470.00} ( {$2100.00} payment ) XXXX weeks before the due date. They mis-applied that to interest and again charged me an {$81.00} late fee. My most recent conversation with supervisor XXXX at ext. XXXX was that early payments can not be applied until they are due, though she was very helpful in analyzing what had happened and said she would research early payments and get back to me. I feel that early payments should be applied properly rather than negating their intended effect of ultimately reducing the principal and therefore the interest owed. The bank has my money and should have a process to apply it properly after my several attempts to explain my intention.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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: Over the summer I had went overseas and had my accountant take over my charges for the time being. When I had come back and went over my financials with my accountant, there were 4 fraudulent transaction and I called Chase to report these these transactions during the middle of XXXX of 2023. The transaction 's were on XX/XX/2023 for {$8200.00}, XX/XX/2023 for {$15000.00}, {$15000.00}, and {$11000.00}. My accountant never notified me of these transactions because he thought they were normal professional services that I had bought. Chase temporarily refunded my account for the time being until they called in XXXX asking for more information which I was more than willing to give. I included flight information and personal information that could help them in their investigation. On XX/XX/2023 they added the charges back to my account with no notification on email or phone call on what happened with the investigation. I have a cleaning company and these charges were for a health and wellness company, according to the person I talked to with Chase. I don't know how those two would relate in any way. I also changed my accounts with Chase so something like this never happens again.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I enrolled for the Chase Sapphire Preferred card from JPMorgan Chase & Co during XXXX XXXX on XX/XX/XXXXXXXX because I wanted to use it for XXXX XXXX deals by adding the card to XXXX XXXX instantly as this was a possibility. Additionally, this was done keeping in mind that it would also help me spend {$4000.00} and obtain XXXX points. However, my card kept declining for random reasons and I had to always call them to help me with the transaction. I called them a ton of times for my purchases with XXXX and XXXX XXXX XXXX. And now my transactions are failing with XXXX and XXXX. For this reason, I called them again and they transferred me to their fraud team for verification, the agent said I would receive a call to verify my phone number. I didn't receive a single call and I also provided my friend 's phone number for the call but it didn't work there as well. This agent said repeatedly that the verification failed despite neither of the numbers receiving any calls and asked me to hang up and dial their number again. On calling again the new agent said my account has gone into verification and it would take 24/48 hours for the same. Basically, they weren't helpful at all, and if this were the issue I feel they shouldn't have approved me in the first place. I even asked for visibility into the escalation/ticket for which she said they wouldn't send any mail regarding the same and I would receive a call. No resolution or help was provided whatsoever and this is super deceiving and disappointing from such a reputed organization. I feel if their basic systems can't keep up with customers ' needs, especially during such critical times they should have blackout dates to apply for a card or be flexible with their introductory policy. With the amount of time I have spent on calls and the deals of things I wanted I have lost this has taken a toll on my mental peace and I am feeling extremely anxious and sad.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$5000.00} was removed from my Chase personal account without my knowledge or authority. There were then XXXX XXXX transactions ( all unauthorized ) out of the account. XXXX have been reversed by the bank ; the other XXXX have not. All three of the unreversed charges were to " XXXX XXXX ''. I called Chase when there was XXXX transaction to " XXXX XXXX '' and XXXX others. The XXXX others were reversed. Subsequently, after I had already told Chase I had not authorized any transactions to XXXX, they paid XXXX more XXXX transactions to him and have refused to reverse the XXXX unauthorized XXXX transactions to XXXX in the amounts of {$2000.00} ; XXXX ; and {$1400.00}. I had never sent any XXXX out of that account.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Chase Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: they locked my account for no reason and refuse to verify my identity to unlock my account
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A