Date Received: 2023-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, my name is XXXX XXXX, and XXXX years ago I had lost my debit card and I think somebody had tried to scam on it. I didnt realize I have lost my card until I had to use it and then I went into my app and it was telling me that I dont have an account anymore, because somebody tried to use my card and put a significant amount of money in my account I tried to make an account for a different bank and he wasnt letting me I had got a letter from early warning about it and I dont know what to do next
Company Response:
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was charged 9 unauthorized and unknown charges on XX/XX/2023. Each charge was {$38.00}. I also received 9 charges unauthorized and unknown of {$1.00} on XX/XX/2023. All of these charges were from a company called XXXX XXXX, which I have never heard of. I called my bank, Chase Bank, on the same day, XX/XX/2023, and reported these charges. They temporarily refunded these charges while they launched an investigation. Then, today, XX/XX/2023, the bank reverts their refund and re-charges me a total of {$340.00}, the accumulated amount of the {$38.00} charges. When I call to ask for an explanation, they say that the original charge was made using XXXX XXXX, which I offered to provide them the receipts of because I did not have any XXXX XXXX charges. They say that they didn't see anyone new add my card using XXXX XXXX, so they could not prove that this was fraud and then charged me the {$340.00}. I did not make these charges and no one else has access to my card via XXXX XXXX, and they now deleted my card off of XXXX XXXX so that I can not access my transaction history.
Company Response:
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. Notice of Subrogation/Surety and stipulations was sent XX/XX/2023 RE : XXXX XXXX XXXX XXXX notice was sent XX/XX/2023 RE : XXXX XXXX XXXXXXXX XXXX was sent XX/XX/2023 RE : XXXX XXXX XXXX Acceptance of Discharge was sent XX/XX/2023 RE : XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX Debt assignment was sent XX/XX/2023 RE : XXXX XXXX XXXX Rescission of signature XX/XX/2023 Cert # XXXX XXXX XXXX XXXX XXXX XXXX Exoneration of debt. XX/XX/2023 It was never my intention to be a part of a trust whereby I would not be the beneficiary. To date CHASE has not sued the debtor therefore I am exonerated from the debt
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On about XX/XX/XXXX Chase Bank had debut issue nationwide I was not aware of. I tried to take XXXX from thier atm at route XXXX and XXXX in XXXX, IL. Nothing came out it just spun. Lady in next lane same issue. Unaware I later went to XXXX in XXXX, IL and used thier atm tried to withdraw XXXX got XXXX and XXXX charge, an error message tried to screen shot with phone but screen disappeared to fast. Bartender said " it was broken. '' I asked, than why no sign?! '' Stated to use atm up front, so I walk in front of restaurant and try to take XXXX machine gives error message, no cash and check my account debited me XXXX. I call Chase bank claims immediately as I this point my account already messed up. Woman says " so sorry we are having nationwide issues with our debit system etc. '' Tells ne file a claim. I tried one more time on a purchase at XXXX dies nit work, error message. Go home and that Nighy or next morning speak with claims and they file privisonary credit for every transaction that day, I di nit think foreign agent understood me correctly. I get provisional credit of I think around XXXX? Last week XX/XX/XXXX get letter reversing XXXX credit as " machines aid I recieved money! '' Had to go to branch twice and get off work early as no one could assist personal XXXX XXXX at XXXX on XXXX XXXX & XXXX in XXXX, il XXXX XX/XX/XXXX to help me file counter claim. Had to go back XX/XX/XXXX XXXX a Non-Fraud Atm Dispute form for XXXX XXXX. I ask what about the rest of claims? He said " Oh your fine, nothing else here on account " XXXX XXXX I get letter from Chase stating reversing ALL provisional credit. I call claims tell me same thing " machine say you recieved money " No help whatsoever! I am being charged XXXX XXXX, XXXX XXXX and and XXXX that I never recieved please help me I am a senior with health issues!
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX someone charged my account {$2000.00} at XXXX. When i noticed it i locked my card and call Chase when i could. They said they denied my claim because I confirmed the fraud alert that they sent me. The fraud alert was from a completely different transaction. Now they dont want to open my claim and I lost {$2000.00}. I am not rich i can not afford to give away money and they arent even trying to help me.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23, I decided to make a Chase Secure checking account and move all of my funds over from XXXX bank in a form of a cashiers check. I did not have any other Chase products except a Slate Edge card which allowed me to create a checking account using their online banking system. Creating the account was a smooth process and was told that my debit card would be arriving shortly. I decided that same day to step into a branch to deposit my cashiers check from XXXX bank and was told that the funds will clear on XX/XX/XXXX. On XX/XX/XXXX, I signed on to my online banking to inquire about my account and received a pop up message suggesting that my account is blocked and for me to contact customer service. Once I called them, I was transferred to more than 3 people and when I finally got to the correct department was told that my account is under review and is going to be set to close in the next coming days. I was so confused because I got reinsured that this process would be seamless with the bankers I spoke to when I stepped into the branch to make the initial deposit. I was told that there would be not alternate option in me receiving my funds and that I needed to wait 5 business days until the account is permanently closed to receive a Chase cashiers check in the mail. I decided to call every day because of how stressed this has been for me and no kidding I received a different turnaround time and resolution from every different representative I spoke to. The day of writing this post, this is the 12th business day and just yesterday I spoke with a supervisor who stated all of this could of been avoided by the representatives by allowing me to pick up my funds in a branch. I was wrongfully advised and the request to release the funds is just now taken place. This is unacceptable. Chase is taking zero accountability. Every time I speak to someone Im being told to continuously patiently wait and wait with no proper knowledge of the process.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 my XXXX was stolen by a XXXX that saw my screen lock password. They were able to access all of my banking information and digital wallet. They made several fraudulent transactions including XXXX XXXX to purchase money orders. I disputed the charges with ( my bank ) Chase Bank. At the time they refunded the money, but later pulled it out of my account based on compelling evidence that the charges were legitimate. I supplied a police and FTC identity theft reports to back up my claim, but Chase is refusing to accept them. They refuse to re-open my claim and will not tell me what information I can supply to support my claim.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was a Victim of Fraud my Account, Husband and Son of {$130000.00} was Wiped out now i have no money my Chase Bank will not refund my money I gave them police report they went to XXXX XXXX all over Florida also gave Chase Bank pictures of the Men who toke my Money and my Bank thinks it my Fault happen on XXXX XXXX went to Chase Bank on XX/XX/XXXX filling.a report with them first they told me and my Husband On XX/XX/XXXX part of the money will take XXXX Hours the other will take XXXX days and the other part XXXX hours I have been calling the Claims department and nobody calls me back
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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: Yet again JP Morgan Chase refuses to process disputes as required by law. Transaction date XX/XX/2023 Post Date XX/XX/2023 Amount XXXX Merchant XXXX XXXX XXXX Merchant did not provide the requested service and did not provide any resolution to numerous written complaints. JP Morgan Chase failed to process the dispute. They replied only with numerous automated form letters totally irrelevant to the dispute. They have not issued a credit as required by law.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint Regarding Unauthorized Use of My Social Security Number as a Credit Card, Unreported 1099C Forms, and Violations of 12 USC 1431, 15 USC 1691, FRCA, and Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ) Dear JP Chase & Co Customer Service, I am writing to file a formal complaint against JP Chase & Co due to a deeply concerning series of incidents involving the unauthorized use of my social security number as a credit card. Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These incidents not only raise significant concerns about my personal security but also questions about the safeguards your institution has in place to protect sensitive customer data. I recently became aware that my social security number was used as a credit card number for transactions and financial activities without my knowledge or consent. This unauthorized use of my social security number is an egregious breach of privacy and security, and it is of utmost concern to me. I strongly believe that the unauthorized use of my social security number as a credit card constitutes a severe violation of consumer protection laws, including the Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ), 15 USC 1691, and the Fair Credit Reporting Act ( FRCA ), as passed by Congress. Moreover, these incidents may also raise questions about JP Chase & Co 's compliance with the power and duties outlined in 12 USC 1431. Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These unreported forms raise concerns about financial transparency and compliance with IRS regulations. I request an immediate and thorough investigation into the unauthorized use of my social security number as a credit card and the unreported 1099C forms. I also urge JP Chase & Co to take immediate corrective actions, including investigating and rectifying any unauthorized charges or transactions, and ensuring full compliance with consumer protection laws, IRS regulations, and the Privacy Act. I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my social security number, the resolution of unreported 1099C forms, and a commitment to strict compliance with all relevant regulations and laws. Your prompt and cooperative response is imperative to resolve these issues and restore my confidence in your institution 's commitment to data security and transparency.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A