Date Received: 2023-11-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX Chase Account Closing and Cash Balance in Question To : JPMorgan Chase On XX/XX/XXXX, JPMorgan Chase closed my personal checking account. The balance was {$750000.00}. The account was closed after Chase allowed a fraudulent savings account to be created, with me as a Secondary on the fraudulent savings account. The XXXX was then able to transfer {$18000.00} from my checking account to the fraudulent savings account where he later withdrew the funds. A similar thing occurred in XX/XX/XXXX but was resolved relatively quickly. Upon finding the fraudulent activity a week earlier, on XX/XX/XXXX, I alerted Chase to that activity by speaking to someone in the XXXX department. The person I spoke to asked if I was XXXX XXXX, who I have determined is the likely Fraudster, and I said that is not me and that person should not be allowed to do anything in my accounts. I asked them how this had happened because my account was specifically flagged for ID theft and special handling, and any person claiming to be me must know a top secret password that only I knowbut Chase has not been following this internal procedure as fraud has occurred in my accounts 4 times in 12 months. The Fraud department helpline person may have been confused because they told me that no money was taken from my checking account, which I was later able to verify was incorrect, {$18000.00} had been fraudulently transferred to the savings account in XXXX separate transfers. I spent the remaining month of XXXX and XXXX, trying to work with various XXXX line individuals to determine if/when the {$18000.00} taken from me would be returned ( this was my XXXX time dealing with Fraud on my Chase accounts so I have been through the process before and just last week spent XXXX hours dealing with a compromised business account there ). I also tried to have the $ XXXX remaining balance sent to me but was told the funds were in suspense while the Fraud investigation was ongoing. I was not able to get much information through these weeks of calling, spending roughly XXXX hours several times per week to no avail. I was sent to various departments where I would share my situation, only to be transferred to another department that could not solve the issue. I was often told, we are investigation the situation. One person in XXXX where accounts are closed for dead people said to me, youre not dead. So XXXX cant help you. And hung up. One time I heard we are trying to determine your identity and I thought that was strange because I had told them my identity, address, etc That person asked me, Well arent you XXXX XXXX? I said no he is the fraudster. Why are you calling to give my money to the fraudster. You should be call me! I was in the local branch. They know my identity At the end of XXXX, I spoke to one person who suggested that I try to get a $ XXXX wire reversed by the party that had sent it to me in XXXX. This was a very strange suggestion and I declined to do that for obvious reasons. I visited the local Chase branch several times to get their assistance on this issue. They would work through the XXXX lines, similar to me, and not be able to obtain much information about the $ XXXX balance and where that stood. Through one of the calls, we were told that the Chase Fraud team had been trying to reach me, XXXX XXXX and I said NO, that is not who I am, XXXX XXXX is the fraudster. XXXX XXXX is the victim and that is when I concluded that an error had been made at the time of initial entry of the XXXX, confusing who was the victim and who was the perpetrator. the helper in the branch said they were working to credit the closed savings account, which was the Fraudulent savings account. I worked with XXXX at the Chase XXXX to rectify the confusion, clearly stating who was victim and perpetrator and they seemingly made some changes to their internal records but I dont know that for fact ; this seemed to help make progress to where the XXXX team started working through the {$18000.00} stolen money issue and resolved that satisfactorily. On XX/XX/XXXX, I was told by XXXX from the XXXX lines that XXXX XXXX had reviewed the XXXX and approved {$18000.00} to be sent to me for the fraud claims. I deposited the {$18000.00} on XX/XX/XXXX. So while feeling good about the XXXX situation getting cleared up, I did not have any info on the suspended balance so I again worked with the Chase branch individual, XXXX, who had helped me a few times before, on trying to navigate how to get the $ XXXX from the closed checking account. On XX/XX/XXXX, I asked XXXX if I should get a lawyer, and she said when I mentioned that, she needed to file a formal Escalation Complaint, which she did on my behalf. XXXX days after the Escalation Complaint, XXXX XXXX called me to say he was assigned to the case and he had sent a demand to the back office to give him more information in 2 days. He then called me back, a days later to say that I should be getting a check for the full amount in XXXX business days. That was on XX/XX/XXXX. I followed up with XXXX in XXXX, after XXXX days had passed to tell him that I had not received the check for $ XXXX. He phoned me back saying he was working on it and I should be patient, the money was coming. That was the last that I spoke to XXXX. I have tried calling him XXXX per week since then, and have left voicemails each time, and I have even left voicemails for the XXXX inbox for the Escalation department. They have also not called me back. XXXX starting to wonder if Chase made a mistake and sent the $ XXXX to XXXX XXXX and they are not telling me that. Recent calls to the general XXXX XXXX have proven to be dead ends with people telling me that its sitting with the Back Office and there is nothing they can do. Please help.
Company Response:
State: CT
Zip: 06840
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Complaint to XXXX Payments Limited and Chase XX/XX/23 I purchased a debit card from XXXX and paid a fee of {$9.00} using my Chase credit card. Chase charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair. See response from XXXX which I agree : We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customer used their Chase credit card to pay for their XXXX XXXX order, and were subsequently charged a cash advance fee by Chase. Please note that our review found that the Merchant Category Code ( s ) used ( 4829 and 6012, wire/money order ) were assigned for our role. XXXX does not issue or process cash, nor do we instruct any of our payment processors that we are using cash ; as such, most banks do not treat our transactions as cash advances. Additionally, XXXX discloses all of our own fees to our customers, and likewise a bank should disclose fees associated with their cards. In the event that a bank treats certain merchant codes as cash transactions, regardless of whether the merchant actually handles cash, we believe any related disclosures should be issued by that bank. We can not refund the fees ourselves, as it is assessed by the customers bank ; however, we have provided relevant information to the customer so that they can submit a request for a refund with their bank directly. XXXX is available to provide additional information upon request.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I called on XX/XX/07 to file a claim dispute with Chase for a XXXX unauthorized charge for my account ending in XXXX. I spoke Chase and dispute and they stated they are unable to get the funds from XXXX.
Company Response:
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my wallet was lost at the XXXX XXXX. Once I got home I realized the there 3 charges that were not authorized. They were in the amounts of XXXX, XXXX, and {$53.00}. I called Chase to cancel my card and issue a credit. They issued a provisional credit within a reasonable time. On XX/XX/XXXX they reversed the charges and withdraw the money from my account. I would like to issue a protest that I did not authorize these charges and would like my money back. The thief 's took money from another one of my checking accounts and I have not had an issue with them getting my money back. I would like to get these charges reversed and added back to my account.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I bank with Chase, the XXXX XXXX XXXXXXXX had an error on the XX/XX/XXXX transactions scheduled for that day. Due to the manual error, information that was sent could not be processed and they said returns would be done. This is a direct deposit for my paycheck. XXXX and Chase have both been pointing fingers at each other saying the other has to fix the issues that remain. Chase says that XXXX has not resubmitted the payment file as needed and XXXX says that since it submitted it the first time, they don't NEED to do anything else because it's a bank processing error. Even though the XXXX XXXX XXXXXXXX says the originators have to resubmit it. In the meantime, I am being charged late fees and have no money for anything. It is now the XXXX of XXXX. They said this problem actually started on the XXXX of XXXX. Neither said will give me a timeline of when this issue will be resolved. They have sent no emails to any customers, not just myself in regard to this. Many people are in the negative and are being charged fees FROM THE BANKS because of THEIR ERRORS. They have not talked about compensation ; they have only said it's the other persons fault each time we try to talk to them. There are thousands, if not millions of people who have still not received their paychecks. They even closed over the weekend and pushed things off even though this is a crisis for many of us. I want compensation for this debacle.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX I called in a stolen/lost card to Chase. The company assured me the card hard been cancelled and that a new card had been sent. I continued on with my business trip only to find out that my checking account had {$10000.00} dollars on dates XX/XX/XXXX and XX/XX/XXXX. One of Chase ' employees must not have submitted the cancellation. I went in to the Chase branch, opened a claim against the charges. The charges were initially reversed, and then on XX/XX/XXXX the claims were reversed on my account by Chase. I went in to the branch again today XXXX XXXX XXXX XXXX XXXX to ask why the claim was reversed. I was informed that due to the pin being used on the charges that the claim was changed. I had to remind them that it was their fault for not cancelling the card on XX/XX/XXXX that the charges here after were Chase 's fault. Chase should have safeguards in place, as for each of the 5 {$1000.00} dollar cash back requests at XXXX that were not authorized by me. 5 separate transactions for XXXX dollars each was not once verified by text or a phone call to me on a card that should have been cancelled debit card.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I did not authorized credit application from Chase Bank this is the second fraud that I have received a hard inquiry again with this company and they stated it will take 90 days to remedy. The first breach is on XX/XX/XXXX and the second is on XX/XX/XXXX. I'm told by chase fraud this is a chase freedom account.
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX JPMCB CARD was approved on my account. I already HAVE a JPMCB card. I got alerted and called chase/amazon immediately to report the fraud. They said they would delete it and get ahold of the bureaus. I needed up just filing a dispute on each and freezing my accounts. I had to upgrade to do it. I had some high alerts from XXXX. XXXX deleted a name but then there was a bunch of stuff they updated and told me other processes to then do
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Twice in one month, I have had fraudulent inquiries on XXXX by JPMCB. I setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. XXXX is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.
Company Response:
State: SC
Zip: 29403
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A