Date Received: 2023-11-14
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: Dear Sir/Madam, I am compelled to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing dispute with JPMorgan Chase Bank , N.A . ( " Chase '' ), which has been marked by inaction and a lack of resolution. This concerns two credit card charges totaling XXXX ( XXXX each ) from XXXX XXXX XXXX, a merchant that has failed to render contracted services. The charges were posted to my Chase credit card account ending in XXXX on XX/XX/2023. Case Summary : Initial Charges : Two separate charges of XXXX each posted on XX/XX/2023, for services contracted with XXXX XXXX XXXX, which were never provided. Dispute Identification : The ongoing dispute, identified as XXXX, was reported to Chase on XX/XX/2023, following the publication of the merchant 's notice that they were ceasing operations. Chase 's Inaction : Despite numerous attempts to resolve this issue and providing ample evidence of the merchant 's failure, including their legal bankruptcy, Chase has neither updated nor closed the dispute since XXXX. This inaction is in direct contradiction to their stated resolution timeframe. Additional Context : Previous Correspondence with Chase : Copies of the WARN notice and the bankruptcy notice have been provided to Chase in my correspondence regarding other charges on different cards for the same merchant and services, yet there has been no acknowledgment or action from Chase. Contrasting Experience with XXXX XXXX : XXXX XXXX promptly refunded charges related to the same merchant on the day I filed the complaint, highlighting the unreasonable delay in Chase 's dispute process. Recent Developments : Merchant 's Bankruptcy : XXXX XXXX XXXX filed for bankruptcy under XXXX XXXX, as confirmed by the United States Bankruptcy Court of the XXXX XXXX of Texas, demonstrating the impossibility of the merchant delivering the services I paid for. Lack of Resolution from Chase : Despite providing all necessary documentation, including the merchant 's bankruptcy details, Chase has not resolved the dispute. The case has been pending for an excessive duration, significantly exceeding Chase 's advertised dispute resolution period of 35 days. Request for CFPB Intervention : Closure of Investigation in My Favor : I respectfully request the CFPB to direct Chase to close the ongoing dispute in my favor. The comprehensive evidence, including the merchant 's insolvency, clearly shows that the services for which I have been charged will never be rendered. An immediate and favorable resolution is imperative. Refund of Disputed Amount : I seek assistance in securing a refund of the total disputed amount of XXXX, as it is evident the charges are for undeliverable services. Enclosed are copies of all pertinent correspondence with Chase, the bankruptcy notification of XXXX XXXX XXXX, and supporting evidence detailing the dispute 's history and Chase 's lack of appropriate action. I appreciate the CFPB 's attention to this pressing matter and look forward to a resolution that respects consumer rights and adheres to fair practice. Thank you for your time and consideration. Sincerely,
Company Response:
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hi, I have recently discovered how unfairly I have been treated and have now been made aware of what things actually mean. I am an heir of of the kingdom of heaven, with that being said I have discovered Chase the U.S. consumer and commercial banking business of JPMorgan Chase & Co. has violated my god-given rights and below I have attached violations and rights. Violations- 4-403. CUSTOMER 's RIGHT TO STOP PAYMENT ; BURDEN OF PROOF OF LOSS. ( a ) A customer or any person authorized to draw on the account if there is more than one person may stop payment of any item drawn on the customer 's account or close the account by an order to the bank describing the item or account with reasonable certainty received at a time and in a manner that affords the bank a reasonable opportunity to act on it before any action by the bank with respect to the item described in Section 4-303. If the signature of more than one person is required to draw on an account, any of these persons may stop payment or close the account. ( b ) A stop-payment order is effective for six months, but it lapses after 14 calendar days if the original order was oral and was not confirmed in a record within that period. A stop-payment order may be renewed for additional six-month periods by a record given to the bank within a period during which the stop-payment order is effective. ( c ) The burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a stop-payment order or order to close an account is on the customer. The loss from payment of an item contrary to a stop-payment order may include damages for dishonor of subsequent items under Section 4-402. 2-702. Seller 's Remedies on Discovery of Buyer 's Insolvency. ( 1 ) Where the seller discovers the buyer to be insolvent he may refuse delivery except for cash including payment for all goods theretofore delivered under the contract, and stop delivery under this Article ( Section 2-705 ). ( 2 ) Where the seller discovers that the buyer has received goods on credit while insolvent he may reclaim the goods upon demand made within ten days after the receipt, but if misrepresentation of solvency has been made to the particular seller in writing within three months before delivery the ten day limitation does not apply. Except as provided in this subsection the seller may not base a right to reclaim goods on the buyer 's fraudulent or innocent misrepresentation of solvency or of intent to pay. ( 3 ) The seller 's right to reclaim under subsection ( 2 ) is subject to the rights of a buyer in ordinary course or other good faith purchaser under this Article ( Section 2-403 ). Successful reclamation of goodsexcludes all other remedies with respect to them. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ; ( 2 ) to make an inquiry of the applicants age or of whether the applicants income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; ( 3 ) to use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Bureau, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value ; ( 4 ) to make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant; or ( 5 ) to make an inquiry under section 1691c2 of this title, in accordance with the requirements of that section. ( c ) Additional activities not constituting discrimination It is not a violation of this section for a creditor to refuse to extend credit offered pursuant to ( 1 ) any credit assistance program expressly authorized by law for an economically disadvantaged class of persons ; ( 2 ) any credit assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons ; or ( 3 ) any special purpose credit program offered by a profit-making organization to meet special social needs which meets standards prescribed in regulations by the Bureau ; if such refusal is required by or made pursuant to such program. ( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. ( 4 ) Where a creditor has been requested by a third party to make a specific extension of credit directly or indirectly to an applicant, the notification and statement of reasons required by this subsection may be made directly by such creditor, or indirectly through the third party, provided in either case that the identity of the creditor is disclosed. ( 5 ) The requirements of paragraph ( 2 ), ( 3 ), or ( 4 ) may be satisfied by verbal statements or notifications in the case of any creditor who did not act on more than one hundred and fifty applications during the calendar year preceding the calendar year in which the adverse action is taken, as determined under regulations of the Bureau. ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. ( 2 ) Waiver The applicant may waive the 3 day requirement provided for in paragraph ( 1 ), except where otherwise required in law. ( 3 ) Reimbursement The applicant may be required to pay a reasonable fee to reimburse the creditor for the cost of the appraisal, except where otherwise required in law. ( 4 ) Free copy Notwithstanding paragraph ( 3 ), the creditor shall provide a copy of each written appraisal or valuation at no additional cost to the applicant. ( 5 ) Notification to applicants At the time of application, the creditor shall notify an applicant in writing of the right to receive a copy of each written appraisal and valuation under this subsection. ( 6 ) Valuation defined For purposes of this subsection, the term valuation shall include any estimate of the value of a dwelling developed in connection with a creditors decision to provide credit, including those values developed pursuant to a policy of a government sponsored enterprise or by an automated valuation model, a broker price opinion, or other methodology or mechanism. 4A-406. PAYMENT BY ORIGINATOR TO BENEFICIARY ; DISCHARGE OF UNDERLYING OBLIGATION. Primary tabs ( a ) Subject to Sections 4A-211 ( e ), 4A-405 ( d ), and 4A-405 ( e ), the originator of a funds transfer pays the beneficiary of the originator 's payment order ( i ) at the time a payment order for the benefit of the beneficiary is accepted by the beneficiary 's bank in the funds transfer and ( ii ) in an amount equal to the amount of the order accepted by the beneficiary 's bank, but not more than the amount of the originator 's order. ( b ) If payment under subsection ( a ) is made to satisfy an obligation, the obligation is discharged to the same extent discharge would result from payment to the beneficiary of the same amount in money, unless ( i ) the payment under subsection ( a ) was made by a means prohibited by the contract of the beneficiary with respect to the obligation, ( ii ) the beneficiary, within a reasonable time after receiving notice of receipt of the order by the beneficiary 's bank, notified the originator of the beneficiary 's refusal of the payment, ( iii ) funds with respect to the order were not withdrawn by the beneficiary or applied to a debt of the beneficiary, and ( iv ) the beneficiary would suffer a loss that could reasonably have been avoided if payment had been made by a means complying with the contract. If payment by the originator does not result in discharge under this section, the originator is subrogated to the rights of the beneficiary to receive payment from the beneficiary 's bank under Section 4A-404 ( a ). ( c ) For the purpose of determining whether discharge of an obligation occurs under subsection ( b ), if the beneficiary 's bank accepts a payment order in an amount equal to the amount of the originator 's payment order less charges of one or more receiving banks in the funds transfer, payment to the beneficiary is deemed to be in the amount of the originator 's order unless upon demand by the beneficiary the originator does not pay the beneficiary the amount of the deducted charges. ( d ) Rights of the originator or of the beneficiary of a funds transfer under this section may be varied only by agreement of the originator and the beneficiary. 4-406. CUSTOMER 's DUTY TO DISCOVER AND REPORT UNAUTHORIZED SIGNATURE OR ALTERATION. ( a ) A bank that sends or makes available to a customer a statement of account showing payment of items for the account shall either return or make available to the customer the items paid or provide information in the statement of account sufficient to allow the customer reasonably to identify the items paid. The statement of account provides sufficient information if the item is described by item number, amount, and date of payment. ( b ) If the items are not returned to the customer, the person retaining the items shall either retain the items or, if the items are destroyed, maintain the capacity to furnish legible copies of the items until the expiration of seven years after receipt of the items. A customer may request an item from the bank that paid the item, and that bank must provide in a reasonable time either the item or, if the item has been destroyed or is not otherwise obtainable, a legible copy of the item. ( c ) If a bank sends or makes available a statement of account or items pursuant to subsection ( a ), the customer must exercise reasonable promptness in examining the statement or the items to determine whether any payment was not authorized because of an alteration of an item or because a purported signature by or on behalf of the customer was not authorized. If, based on the statement or items provided, the customer should reasonably have discovered the unauthorized payment, the customer must promptly notify the bank of the relevant facts. ( d ) If the bank proves that the customer failed, with respect to an item, to comply with the duties imposed on the customer by subsection ( c ), the customer is precluded from asserting against the bank : ( 1 ) the customer 's unauthorized signature or any alteration on the item, if the bank also proves that it suffered a loss by reason of the failure; and ( 2 ) the customer 's unauthorized signature or alteration by the same wrongdoer on any other item paid in good faith by the bank if the payment was made before the bank received notice from the customer of the unauthorized signature or alteration and after the customer had been afforded a reasonable period of time, not exceeding 30 days, in which to examine the item or statement of account and notify the bank. ( e ) If subsection ( d ) applies and the customer proves that the bank failed to exercise ordinary care in paying the item and that the failure substantially contributed to loss, the loss is allocated between the customer precluded and the bank asserting the preclusion according to the extent to which the failure of the customer to comply with subsection ( c ) and the failure of the bank to exercise ordinary care contributed to the loss. If the customer proves that the bank did not pay the item in good faith, the preclusion under subsection ( d ) does not apply. ( f ) Without regard to care or lack of care of either the customer or the bank, a customer who does not within one year after the statement or items are made available to the customer ( subsection ( a ) ) discover and report the customer 's unauthorized signature on or any alteration on the item is precluded from asserting against the bank the unauthorized signature or alteration. If there is a preclusion under this subsection, the payor bank may not recover for breach of warranty under Section 4-208 with respect to the unauthorized signature or alteration to which the preclusion applies. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 4A-209. ACCEPTANCE OF PAYMENT ORDER. Section 4A-209 defines when acceptance occurs. Section 4A-210 covers rejection. Acceptance of the payment order imposes an obligation on the receiving bank to the sender if the receiving bank is not the beneficiary 's bank, or to the beneficiary if the receiving bank is the beneficiary 's bank.
Company Response:
State: TX
Zip: 78852
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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: Dear Sir/Madam, I am compelled to seek the intervention of the Consumer Financial Protection Bureau XXXX CFPB ) regarding an ongoing dispute with JPMorgan Chase Bank , N.A . ( " Chase '' ), which has been marked by inaction and a lack of resolution. This concerns two credit card charges totaling {$2300.00} ( {$1100.00} each ) from XXXX XXXX XXXX, a merchant that has failed to render contracted services. Case Summary : Initial Charges : Two separate charges of {$1100.00} each for services contracted with XXXX XXXX XXXX, which were never provided. Dispute Initiation : The dispute was reported to Chase on XX/XX/2023, following the realization that the merchant could not fulfill their contractual obligations. Chase 's Inaction : Despite numerous attempts to resolve this issue and providing ample evidence of the merchant 's failure, including their legal bankruptcy, Chase has neither updated nor closed the dispute since XXXX. This inaction is in direct contradiction to their stated resolution timeframe. In addition to letters and emails, I have contacted Chase on the phone over 10 times regarding this issue, only to be repeatedly informed that a final decision would be made " soon, '' yet no resolution has been provided. Additional Context : Previous Correspondence with Chase : Chase has received copies of the WARN notice and the bankruptcy notice from my correspondence regarding other charges on different cards for the same merchant and services. However, there has been no acknowledgment or action taken by Chase in response to this critical information. Contrasting Experience with XXXX XXXX : In a stark contrast, XXXX XXXX promptly refunded charges related to the same merchant on the day I filed the complaint, demonstrating a swift and customer-focused approach. This starkly highlights the unreasonable delay in Chase 's dispute process. Recent Developments : Merchant 's Bankruptcy : The merchant, XXXX XXXX XXXX, has filed for XXXX XXXX XXXX XXXX, as confirmed by the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This development unequivocally demonstrates the impossibility of the merchant delivering the services I paid for. Lack of Resolution from Chase : Despite my efforts to provide all necessary documentation, including the merchant 's bankruptcy details, Chase has not taken appropriate action to resolve the dispute. The matter has been left pending for an excessive duration, significantly exceeding Chase 's advertised dispute resolution period of 35 days. Request for CFPB Intervention : Closure of Investigation in My Favor : I respectfully request the CFPB to direct Chase to close the ongoing dispute in my favor. Given the comprehensive evidence provided, including the merchant 's insolvency, it is clear that the services for which I have been charged will never be rendered. An immediate and favorable resolution of this dispute is not only justified but also imperative. Refund of Disputed Amount : I seek your assistance in securing a refund of the total disputed amount of {$2300.00}, as it is evident that the charges are for undeliverable services. Enclosed are copies of all pertinent correspondence with Chase, the bankruptcy notification of XXXX XXXX XXXX, and supporting evidence detailing the dispute 's history and Chase 's lack of appropriate action. I appreciate the CFPB 's attention to this pressing matter and look forward to a resolution that respects consumer rights and adheres to fair practice. Thank you for your time and consideration.
Company Response:
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: JP Morgan Chase bank did a hard inquiry on my credit without my permission.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: They put up my interest without informing me and let me go over a {$1000.00} over my credit limit. When I complained and said you put up interest rate without informing me, I will pay off this card and close my account, they just closed the account. They were demanding a huge minimum payment and refused to help me. I've had too fight to be put on a payment plan and they won't include the {$800.00} minimum payment in it. I already put a complaint in through consumerfinance.gov and they refused to reply to the complaint saying the complaints not in my name or under my own details so I've had to submit the complaint again.
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank : Chase Date of inquiry : XX/XX/2023 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX I disputed a {$380.00} charge with Chase Bank on XX/XX/2023 ( original transaction date was XX/XX/2023 ). They didn't ask me for any documentation to support my claim. Then, on XX/XX/2023, I got a notice with " updated information about my claim. '' It said the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$380.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). Contact us if you would like to request the information we used for our research. If you have questions, please call us at XXXX. Sincerely, Customer Claims Department The letter did not tell me how to appeal the claim. The letter didn't even say that I could possibly appeal the claim. I believe that by law they are supposed to tell me how to appeal this decision. I called numerous times and reps told me there is no way to appeal. Finally I got someone on the phone who told me I could go into the " track a claim '' section on the chase website, and upload supporting documents in the " closed claim '' section. But the claim is still saying it's closed. Chase should have been very transparent in 1. the fact that they wanted me to send documents to show evidence of my initial claim. 2. they should have clearly told me that there is an appeal process and how to appeal. 3. my case should now be " open '' if I'm appealing it ( which I'm still not sure I am because it shows on the website as closed. ). I don't feel like this is a fair process at all. I want my money refunded to my account from my claim that I disputed.
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Someone opened a credit card in my name and I myself did not open the account. The account was opened with JPMorgan Chase. I called them and XXXX and the closed the account and said I should report it as well which is what I am doing now.
Company Response:
State: HI
Zip: 96819
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive received my credit report in the mail after I requested it because I got denied a checking account from XXXX XXXX XXXXXXXX. My chase account was also closed and I believe it was hack for some because I see a transaction from XX/XX/23 that I never seen till now.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX around XXXX recieved a phone call ( ID caller- Chase Fraud ) XXXX. Introduced himself as XXXX XXXX from chase bank fraud dept. Ask my name, complied as XXXX. He asked if i did any transaction in a apple store in XXXX XXXX, I answered would not give any my information over the phone. He repeated his name and ID # XXXX. Ichecked the number of Chase Fraud XXXX XXXX and saw in Chase website the same number.He assured me everything is recorded and will give me a confirmation # about our conversation. ( Confirmation # XXXX ). He continued the online transaction was denied because can not answer security questions. He stated he will close current debit card and expedite it for replacement. He asked me what devices do I use for online banking, complied my phone app and computer at work. He asked if I got access on PC, because he see some activity attemping wire transfer. XXXX an appt. at XXXX. He returned my call after XXXX and asked me to open my profile. He started explaining there was $ XXXX was being wire transfer from XXXX XXXX XXXX Texas under the name of XXXX XXXX, DO NOT KNOW anybody under that name. He excused himself, to check his back office. after a few minutes he stated they got it recovered, and if XXXX in my profile $ XXXX credited. We ended up our conversation. That he will introduce me with XXXX XXXX fraud investigator team, and made an appt. XXXX @ XXXX. XXXX XXXX called after XXXX and introduce me to XXXX XXXX XXXX and turn me over with XXXX XXXX XXXX He introduced himself he is Digital Forensic Investigator of Chase fraud team. XXXX started that some hackers got into business acct. since XXXX and continuing. $ XXXX XXXX XXXX XXXX $ $ XXXX Crooms, $ XXXX XXXX. I was panicking, what happen ( breaking down ) He assured me he will worked on recovering the money, promised everything is recorder and accounted for. He also excused himself to check with back office for recovery, several times. He started can you see some funds being credited in the acct. but wrong amount, some $ XXXX, $ XXXX, and so on. I told him iam not comfortable to whats happening right now. He kept repeating everything will be Ok that their team are on top of it and assuring for all funds will be recovered. He stated he will freeze account for 24-48 hrs. which is coming weekend, for no transaction will be made. Made an appt. XXXX XXXX at XXXX, XXXX called after XXXX and stated some funds where recovered but there are still some wire transfer being made, $ XXXX XXXX, # XXXX XXXX. This time I am furious to What the F .... happened to my acct He made a comment they caught the 1st guy who attempted the wire transfer, and assured me again for the recovery of funds. I excuse myself that i am exhausted and i can not deal to what is happening. He made an appt, the following day at XXXX XXXX XXXX. I went to the Chase Branch to report to what happened, The banker stated I got Hacked and processed 6claims, which are still under review. Please help me recover HARD EARNED MONEY, Thank You much XXXX XXXX
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I participated in a balance transfer promotion offering 0.00 % interest through XX/XX/2024. I paid off all charges on the card, other than the balance transfer amounts subject to 0.00 %. I was still charged interest for the period even though all charges that would have been subject to interest were paid to {$0.00} before the date that interest would have been applied to those balances. Card issuer said that since I have a balance promotional offer I must pay interest, even on {$0.00} balances.
Company Response:
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A