Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The information listed in my Identitiy Theft Report does not relate to any transaction I have made.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: In the early XXXX hours of XX/XX/XXXX, I was out with friends as we were all on vacation in XXXX, XXXX. I got separated from the group, as I walked my XXXX to her XXXX. I walked her to her XXXX, and after I went to call a friend to meet back up with them so we could get on our way back home. They did not answer. I stopped to text them, and as I unlocked my phone to text them- a unidentified man ran passed me and stole my XXXX from my hands- resulting in several fraudulent charges being made on my digital wallet, such as XXXX XXXX, and XXXX XXXX The XXXX XXXX and XXXX fraudulent charges totaled greater than {$3000.00}. JP Morgan Chase and their claims department, have not been able to assist me or come up with a fair resolutions regarding these fraudulent charges. Although I have faxed them my full police report that showcases the phone theft and fraud, Chase stills claims that these payments were authorized by me. And they were not.
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I hope this letter finds you well. I am writing to address a longstanding issue that has significantly impacted my financial standing and has caused considerable distress. In XXXX, I experienced the sudden and unilateral closure of my personal checking account and all associated credit cards with Chase Bank. Unfortunately, I was never provided with a reasonable explanation for this decision, leaving me bewildered and without access to my banking services. Now, in XXXX, as I attempted to open a new account at XXXX of the Chase Bank branches, I was informed that my profile has been negatively marked, preventing me from opening a new account. The branch staff advised me to contact the Chase Compliance Department to obtain further information and clarity on the matter. In my pursuit of understanding and rectifying this issue, I promptly contacted the provided number for the Chase Compliance Department. However, to my dismay, the response I received mirrored the situation in XXXX. I was informed that they were unable to disclose any information and that I must navigate through this frustrating situation without being given an opportunity to present my side of the story or understand the grounds for the negative marking on my profile. This lack of transparency and denial of information not only impedes my ability to resolve the issue but also denies me the basic right to open an account with Chase Bank. I believe it is within my rights as a customer to be informed about the circumstances leading to the closure of my previous account and the subsequent negative marking on my profile. I am eager to address any concerns or rectify any issues that may have contributed to this situation. I kindly request that you review my case thoroughly, provide me with detailed information regarding the negative mark on my profile, and afford me the opportunity to present any necessary documentation or explanations to rectify the situation. I am committed to resolving any issues that may exist and would appreciate your assistance in ensuring a fair and just resolution to this matter. Thank you for your prompt attention to this issue. I look forward to receiving the necessary information and working towards a resolution. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I signed the back of a Workers Compensation check for {$17000.00} made out to my husband in front of a bank teller who assured me that I could deposit the third-party check that was already signed over by my husband as long as I signed it as well, thereby taking legal possession of the check myself. I then deposited the check, signed by both of us, into my Chase Bank Checking Account. On XX/XX/2023, I Attempted to withdraw cash from a drive-thru bank teller from my checking account which had an available balance aside from the pending third-party Workmans Compensation check I had deposited ; and I was told to come inside to speak with a banker as my entire checking account had been frozen, including all funds unrelated to the check. My husband and I went back to the first location together, because that is where the check was deposited, and the bank teller had assured me that everything would be fine with the deposit of the third-party check signed by myself and my husband. We both verified our identities with the VP Branch Manager by showing our licenses, Social Security Cards, Credit Cards, etc. She called the fraud department herself and attempted to assure them that we were in fact who we said we were, but the fraud department required a verified phone number as the ONLY way they could confirm my husband, the payees, identity and unfreeze the account. We asked her what would happen if we could not get a verified phone number for him, and she said Chase Bank will keep the money after 2 years. The money would not go back to the Payor, Insurance Company because the check has already been negotiated, and Chase Bank would keep the money. We went to XXXX and set up a new cell phone in my husbands name for the sole purpose of verifying his identity with Chase Bank XXXX We called Chases Fraud Department ; they could not verify that his name was attached to that phone number ; and they threatened to close the account and keep the money if we could not verify his cellphone number within 2 years. On XX/XX/2023, The third-party check went through and the funds became available in my checking account, but the account remained frozen. I called Chases Fraud Department again to attempt to verify my husbands phone number, but the person on the phone looked up the phone number in their system and said, the phone number did not show as being owned by [ my husband, ] so they refused to even call the number. On XX/XX/2023, I opened my Chase Banking App on my phone and realized that my checking account had been completely closed. There was not a trace of my checking account information on there, and I had received no notifications ( via app, phone call, or email ) from Chase Bank concerning the matter of closing my checking account. I called Chases Fraud Department again with the same results as before, and they refused to call the phone number to verify my husbands identity. On XX/XX/2023, My husband contacted XXXX again about making certain that his phone number would be a verified number that shows up under his name. The XXXX representative assured him that his name should already be showing up as public with his phone number, but went ahead and sent the issue to the Escalation Department . They also informed my husband that the last time the phone number in question had been owned and used was over 7,000 days ago, which is over 19 years ago. As of today, my account has been closed ; Chase Bank refuses to verify my husband 's identity via his registered phone number ; and Chase Bank owes me {$17000.00}.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have been receiving notices from Chase that my homeowners insurance is expiring and that they will purchase insurance on my behalf and bill me for that. My homeowners insurance is not expiring and the policy is currently in place and my premium payments are up-to-date. I've contacted Chase and my insurance agent but Chase seems totally oblivious to this and seems intent on defrauding me by charging me for a policy that is not needed.
Company Response:
State: IN
Zip: 46062
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was stolen and fraudulently used to withdraw money from my account. The Fraud Alert sent by Chase was responded to and a follow-up claim was filed. The " investigation '' that occurred did not include any interaction or questioning with me and the determination is vague and removes all responsibility from Chase while making gregariously inaccurate claims against my character and what happened.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed a credit inquiry from chase bank through XXXX. The date was XXXX. I never applied for this. I've been trying to contact Chase for 2 days now for a total of XXXX hours on the phone. This inquiry needs to be removed.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2023, I purchased online a {$150000.00} 6 month CD from Chase. The advertised APR was 5.0 % At the end of the 6 months, I was paid {$37.00}. This is an effective APR of 0.05 %. Clearly this is a system error at Chase- a decimal point got moved two places and I was paid XXXX of what I should have received. The Chase website does not show any CDs with such a low rate of interest. No customer would purchase a CD paying 0.05 % APR. I should have been paid {$3700.00}. I have complained to Chase and they refuse to acknowledge the error. I have attached screen shot of my current CD. Note interest paid in XXXX of {$37.00}
Company Response:
State: CA
Zip: 95070
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXXXXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: JPMorgan Chase & Co which manages XXXX 's client funds literally stole XXXX from our bank account when a former client XXXX XXXX did a XXXX XXXX XXXX XXXX on her XXXX XXXX XXXX. Even though we provided the signed XXXX XXXX contract, detailed XXXX XXXX invoice showing legal services performed/received, as well as legal work product, these thieves ripped our duly earned legal fees out of XXXX and thusly confiscated another clients XXXX to compensate, XXXX XXXX XXXX Please urgently investigate and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A