Date Received: 2023-11-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, at approximately XXXX XXXX, I received a call from an individual. He conveyed to me that I held a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. He advised me to contact the corporate finance office for the timeshare., In the ensuing days, I engaged with various individuals and entities, including the finance department . To alleviate my skepticism, provided a grantor letter and advised me of the time sensitivity of the offer, stating that waiting until a later date would entail an additional XXXX fee for account reactivation. On XXXX XXXX, I went to Chase Bank to wire the funds as directed to a source I believed was true. I began to wonder if it was a Scame or not at this point. So I sent Chase a request to reverse the transaction on XX/XX/2023. On XX/XX/2023, I received a notice from Chase saying they were going to look into the matter further and reverse the transaction. On XX/XX/2023, I received another letter from Chase denying the reversal.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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: On XX/XX/2023 I dropped off my new equipment to be serviced to XXXXXXXX XXXX XXXX XXXX. There was a manufacturer defect which they promised to take care of since it was under warranty, equipment was purchased less than two weeks prior to this. Equipment was fixed and I noticed that my Chas e Visa debit card was charged {$3100.00} for the repairs. Since I was told that this will be covered under warranty, I was surprised so I gave him a call, and they promised to reimburse me the full amount. About two weeks went by, and nothing happened about receiving the refund from XXXXXXXX XXXX XXXXXXXX XXXX. So I decided to call my bank Chase and open up a dispute. We disputed an amount of {$990.00} because it was what they thought it was fair due to labor cost, they said that parts cost will probably not be refunded since the work was performed. This was about XX/XX/XXXX. We did receive the {$990.00} from our dispute. However the vendor contacted us and told us that they were deducted XXXX from Chase and whether we had opened two different disputes, we said no we only open one dispute for XXXX. After speaking to Chase every day for almost 2 weeks trying to figure out where this extra {$1000.00} came from, they realize that they had erroneously done a chargeback of {$1000.00} to XXXXXXXX XXXX XXXXXXXX XXXX along with the {$990.00}. Weve been in contact with Chase for many weeks almost every day and been told that XXXX XXXX XXXXXXXX XXXX will be refunded their {$1000.00} by the end of XXXX and that the dispute was already resolved and it was in Visas hand to refund XXXX. Its now XXXX and they still have no idea where the {$1000.00}, Chase says that Visa has the money and visa says that we have to take it up with Chase. How this affects us is, XXXX XXXX XXXX XXXX has promised to refund the full amount of {$3100.00} however because they were overcharged by Chase with an erroneous 2nd dispute that came in as a chargeback, they can not refund us that remaining {$1000.00}. To summarize, weve only received {$2100.00} because the other {$1000.00} is in limbo waiting on visa to refund XXXXXXXX XXXX XXXXXXXX XXXX. So that XXXX can refund us.
Company Response:
State: NJ
Zip: 07860
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was at XXXX XXXX grocery store on XXXX and XXXX in XXXX, Washington. My debit cards for my business and personal accounts were stolen from me in the parking lot. I called Chase Bank to freeze my account/cards within minutes of this happening. When I got back to my office and pulled up my account information online, I discovered that {$3900.00} dollars had been withdrawn from my personal account. I called the bank again to report this. They stated to me that the withdrawal was made in person from a main branch ( not the one I use ). I provided them a police report and talked to them several times. Their investigation determined that it was " lack of care ''. They refused to return my stolen funds even trying to insinuate that I am careless with my PIN. I sent them a demand letter asking for a review and they have the police report. I have heard nothing back from them. There has been an increase in thefts here lately. The news has reported someone stealing debit cards and using a device of some kind to make a new PIN. I reported this right away, no one should have been able to walk into a branch and steal {$3900.00}.
Company Response:
State: WA
Zip: 98445
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 at XXXX XXXX I started a transaction for an echeck at the XXXX XXXX XXXX location and my bank ( Chase ). I asked for {$2000.00} and the fee was to be {$82.00} for a total charge to my checking/debit account of {$2000.00}. I was then told to take the inital receipt to the cashier cage along with the debit card used and my ID to verify the transaction and show the card and id matched. At that time the cashier noticed the debit card was for my business and not a personal card. They have a policy to no business cards to be used. They did not process the transaction at the counter, did not swipe the card ask for pin or any signature. I stated that the bank already showed the amount as Pending and the cashier stated that the transaction would drop off in 24 to 48 hours as not completed. The bank took the money out of my account as completed and now says that they paid the casino the full amount and I need to get the money from them. The casino says they show no record of receiving the money nor did their processing company XXXX. XXXX says it was a cancelled non funded transaction. Bank will not provide me with any proof they paid the money or who the money was wired ( paid ) to. Just said XXXX XXXX XXXX but will not provide any info to trace the transaction. Casino and processor says they need info to track as they do not show any payment from the bank in my name. Chase bank refuses to help my any more and said it is my problem and to get with the casino. Have called over 15 times and get no help.
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: It appears to have started back on XX/XX/23 with an unauthorized ATM withdrawal of {$500.00}. From that date until approximately XX/XX/23 there have been multiple unauthorized ATM withdrawals from both my checking and savings accounts until both were drained and or overdrawn. During this period I did not receive any bank statements that would have made me aware of this situation either. In early XXXX, I discovered that my ATM card was lost and reported it. I received a new one but somehow the unauthorized withdrawals began again without my knowledge. It appears as though I am a victim of a cloned card or a skimmer of some sort. As a result, I have lost approximately $ XXXX {$35000.00} between both accounts and nothing was flagged by the bank. A scan through my account history would show that I have never had many ATM withdrawals throughout my long history with my bank.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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: On XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX and XXXX accounts and make two purchases on XXXX. I immediately called Chase Bank to report fraud on the two Chase credit cards which were stored on my XXXX XXXX XXXX accounts and I was issued new cards. The first purchase was disputed and resolved after a CFPB complaint ( XXXX ) in which Chase first pushed back against. On XX/XX/XXXX, nearly XXXX months since I reported the fraud, I received another letter from Chase informing me I am responsible for the second fraudulent transaction of {$180.00} for the same reasons why they kept pushing back on the first fraudulent transaction. They cited because I previously made a purchase with XXXX on this card and the purchase was made from my account ( which was hacked ), that the transaction was valid. They once again ignored the fact that I immediately reported fraud charges and provided evidence previously to show my accounts were hacked. This situation is identical to the case in which I was not liable, only on a different credit card stored on one XXXX account.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My charge was hacked and fraudulent purchases made. As of XX/XX/XXXX when I reported the fraud, 19 charges had gone through from XX/XX/XXXX to XX/XX/XXXX. I was informed by customer service that an {$800.00} purchase from 10/26 was blocked by Chase however I was never notified of this until the other 19 were processed and the rep was going over transactions on her end ( the {$800.00} never populated on my end ). Sometime between XX/XX/XXXX and XX/XX/XXXX I noticed my credit limit was increased ( doubled actually ) without my knowledge while fraudulent and suspicious activity was happening. I did not request this. This old card number was shut down and a new card number issued. I changed the password on my account ( which chase never emailed me that my account had been updated ). I was advised to make me regular payments minus the {$100.00} fraudulent charges over the 19 transactions. I completed my payments on XXXX. As of XXXX I showed a {$0.00} balance. On XXXX I logged in to find a {$5.00} balance along with more fraudulent charges from XX/XX/XXXX ( that were not posted on the account as I of XXXX when I paid my balance and not as of XXXX when I showed a XXXX balance ) and credits for those charges as well. We are now showing 21 fraudulent charges and 21 credits on my end. I am advised by the customer service rep that chase automatically updates the digital wallets that were associated with the old card with the new card info as a courtesy. The problem here is whoever hacked my card input my info in a digital wallet which chase then updated with the new card info. I immediately shut down the new card and closed everything down completely. I was told a manual credit would be given for the {$5.00} as I was not responsible for that. On XXXX I received my new card in the mail with no sticker on it to activate it. The card was already live, activated and ready to use. I contacted chase again on XXXX as the {$5.00} was still showing on the account to which I was told they over credited my account and the {$5.00} was posted on XXXX I am responsible for. Nothing shows up on my transactions past XXXX which were my payments taking the account to a {$0.00} balance. After not notifying me of blocked charges, allowing 21 fraudulent/suspicious charges in a 25 hour time frame, updating a hacked digital wallet with my new card info, not notifying me of password changes, requesting one time passcodes that the texts flat out say do not give to chase, increasing my credit limit by $ XXXX while compromised and sending a live card in the mail they now expect me to pay a balance that doesnt show as a transaction on my account. I paid a {$600.00} balance in full to close out my responsibility debt. If I owed the {$5.00} I would have paid it. After speaking with 8 different people over the course of 11 days and getting different information and inconsistent security verification from them I do not trust this company any longer. If I owe the {$5.00} it should show up as a transaction on my account and it does not. I should not be taking their word and just paying a balance that has no transaction associated to it. They refuse to remove it and I am at a loss. Below are the people I spoke with and dates. XX/XX/XXXX - XXXX XXXX - XXXX XXXX- XXXX and XXXX XXXX- XXXX and XXXX XXXX - XXXX and XXXX
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by JPMCB CARD SERVICES. I also noticed I had another unauthorized hard inquiry from XXXX XXXX on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: So I accidentally made a XXXX transaction to the wrong person on XX/XX/XXXX. I reached out to the person that it went to and got no response. So I then made a claim through Chase Bank which is my bank. Which escalated to a XXXX claim. I have been getting the run around about it since. One person will tell me okay it's still in process then another one will say that the claim has been closed. I have never in my whole live have gone through such an issue like this with any bank I have ever banked with. Whenever there was an issue they simply refunded my money. That is all I'm trying to do with Chase. I have been dealing with this since XXXX. If Chase is big on striving to make a customer happy they are not doing their job. All I want is my money refunded.
Company Response:
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I sent a check to the United States Treasury to pay my taxes through Chase Bank- and that check was stolen, forged, and cashed. I only realized it when the United States Treasury sent me a bill saying that I never payed taxes in 2022 so I went to check what happened as I knew that I sent the check and it was cashed. Upon looking at the check I noticed it was forged and a new name was on it and it was cashed back in 2022. I immediately went to Chase Bank and filled out the proper forms with the Chase Bank manager and he told me this happens a lot and I would have no problem getting my money back. The forms were sent and I a couple of days ago my claim got denied because i missed the 30 day window to file a claim. I have the check I wrote and also have the check I cashed and clearly it was forged and Chase didn't deny that as the evidence is all there. They just said the only exceptions to this rule is if I was in a comma, in jail or a place that I had no access to my account- otherwise there was nothing they could do. I went back to the bank and asked them to file an exception as they were surprised with the results, but then said it was the policy and my chances were low. The date the check was cashed was XX/XX/2022 for XXXX XXXX dollars. They said that the check was cashed at a XXXX XXXX XXXX even tho it had my social security number, 1040-EZ 2022 form written on the check. The paperwork and complaint I sent to Chase was on XX/XX/XXXX through a chase branch sumbited by XXXX XXXX the a Chase employee.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A