Date Received: 2023-11-03
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, {$2200.00} was fraudulently charged to my XXXX XXXX card to a company called " XXXX ''. There was XXXX separate transactions for {$51.00} totaling {$2200.00}. I called chase to report the fraud. They said the charges were made in XXXX XXXX with XXXX XXXX. They removed the balance, replaced my credit card, and said they would submit it to their fraud investigators. Today the {$2200.00} balance was was added back to my account along with XXXX separate " foreign transaction fees '' for {$1.00} cents each, totaling {$2300.00}. I called Chases fraud team and they said that my fraud claim was denied and they found the {$2300.00} was a legitimate charge, MADE BY ME, strictly because it was made with XXXX XXXX. I explained to them that I DO have XXXX XXXX BUT the card that was used for the fraud was NEVER REGISTERED to my XXXX XXXX account so there's no way it could have been me. I also explained that I personally made charges here in the United States on XX/XX/2023, the same day of the fraud, so there is no way I could be in XXXX XXXX AND the United States at the same time. They said there was nothing else they could do and that l am responsible for paying the {$2300.00} balance. They said if I could prove it was identity theft that would help in proving the charges were fraudulent. Please help.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Chase bank sent me an email stating that my application for a credit card that I had never applied for was received and the inquiry showed up on my credit report. I never applied for this card.
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX an identity fraud took my driver license and went to a Chase branch in XXXX to perform an unauthorized wire transfer. They were able to issued {$18000.00} out of my checking account plus added {$40.00} fee including wire transfer fee and card replacement fee. The impersonator was able to do that with just a driver license without an account number or debit card. I filed a claim with Chase as soon as I saw the suspicious activities through email. I also worked with the local police department and they started their investigation. Chase claim department denied my claim in a week, they said due to the lack of evidence. Since then I have tried to fax them information about my whereabouts to prove that this is an identity theft case. After multiple attempts of faxing them the documents, they said they do not need this but a police report. I got the police report from the detective on XXXX. Since then, I have tried to fax the Chase claim department the report but they gave me the wrong department fax number every time. I have tried at least 10 times on faxing them the report after spending hours on customer service. Finally I was able to speak to a supervisor on the claims department and he direct me to the right fax number and mailing XXXX XXXX XXXX XX/XX/XXXX. This time they received the report electronically and in mail. Today when I call back to ask for the status of the claim, they told me the claim is denied again and there is nothing they can do to recover my funds even the police report has stated that this is an identity theft case and also I have a XXXX case with the state police. Not only they denied my claim, when I tried to inquired further, they hung up on me. Since the claim was opened with Chase, I have spent many hours speaking with customer service, running around to local banks, getting stressed about whether they received the fax or not. They often route me to the wrong department over the phone and have told me a wrong fax number many different times. They denied my claim base on that was a valid ID and the Chase branch was within 30min from my home location. Despite I have evidence from both XXXX and the Police that it's identity fraud. It's not my fault that the identity theft took my ID and did fraudulent activities. I should not take the loss, Chase should have a better fraud prevention at the first place. They didn't require a second identification despite the large amount of wire transfer. Also the woman shown in the surveillance footage does not resemble me other than we are both XXXX.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: THIS INVOLVES JP MORGAN CHASE BRANCH IN XXXX, XXXX. OUR BUSINESS ACCOUNT IN THE NAME OF XXXXXXXX XXXX XXXXXXXX, XXXX. WHICH HAS BEEN OPEN FOR XXXX YEARS WAS SUDDENLY FROZEN WHICH CAUSED PAYROLL CHECKS AND SUPPLIER CHECKS TO BE RETURNED. THE EXPLANATION WE WERE GIVEN WAS THAT CHASE NEEDED THE DRIVERS LICENSE AND SOCIAL SECURITY CARD OF XXXX ON OUR INACTIVE OWNERS. WE TOLD THEM THAT HE COULD PROVIDE THE DRIVERS LICENSE BUT THE OWNER WHO IS XXXX YEARS OLD NO LONGER HAD A SOCIAL SECURITY CARD BECAUSE IT WAS IN HIS WALLET WHICH WAS STOLEN SEVERAL YEARS AGO. WE ASKED IF ANOTHER FORM OF ID COULD BE USED INSTEAD AND WE WERE TOLD THAT THEY WOULD LOOK INTO IT. WE NEVER HEARD BACK AND OUR ACCOUNT WAS FROZEN ON XX/XX/XXXX CAUSING HARDSHIP TO OUR EMPLOYEES AND AS WELL AS OUR REPUTATION WITH SUPPLIERS WHOSE CHECKS WERE RETURNED. WHEN WE TRIED TO WORK WITH THE BRANCH MANAGER EXPLAINING THAT OUR BUSINESS WAS AT RISK, SHE SIMPLY STATED THEY NEED THE SOCIAL SECURITY CARD AND NO OTHER DOCUMENT WOULD WORK AND THAT A NEW CARD COULD BE APPLIED AND WOULD BE AVAILABLE WITHIN A COUPLE OF WEEKS. WE EVEN HAD OUR ATTORNEY GET ON THE PHONE AND STATE THAT A NOTARIZED AFFIDAVIT COULD BE PROVIDED THAT WOULD ATTEST TO THIS OWNERS SOCIAL SECURITY NUMBER OR ANY OTHER DOCUMENT ( IE TAX RETURN ). THE BRANCH MANAGER SAID NO THAT YOUR ACCOUNT REMAINS FROZEN. AT GREAT EXPENSE AND EMBARRASSMENT WE HAD TO FIND A NEW BANK AND NOW START TO ESTABLISH A NEW RELATIONSHIP AFTER XXXX YEARS WITH CHASE. THANK YOU
Company Response:
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023, I received an automated email from Chase thanking me for requesting a new credit card. I did not initiate any request for a new credit card. XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I received a second email from Chase requesting information and documentation to complete the application process. I did not respond to this email. On XX/XX/, I received another automated email from Chase thanking me for requesting a new credit card. Again, XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I called Chase to alert them of the fraudulent activity, but they were not able to do anything at that time as their computer systems were down, so they told me to call back the next day. I called back two days later on XX/XX/2023, and they responded appropriately by closing the application request ( s ) and sending me information on the next steps. Later that day, received another automated email from Chase thanking me for requesting a new credit card. However, I did not receive another alert from XXXX this time. One of the next steps was to contact XXXX, whom I have an account with, to dispute the case ( s ). XXXX told me they would process this, but I also needed to file a report at FTC.gov. So here I am, reporting the issue. Once the report is filed, I need to upload a copy to XXXXXXXX including my ID ( driver 's license ).
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My bank account was hacked into and my contact information was changed. My debit card was stolen and used fraudulently. My bank branch showed me where the person tried seven times to enter my PIN before finding the right one and completing the purchase. Chase Bank claims they are in no way responsible.
Company Response:
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I made payment using my bill pay function on my Chase checking accout, The payment was made for {$160.00} on XX/XX/XXXX, payable to XXXX XXXX XXXX. On XX/XX/XXXX I received 5 emails from XXXX XXXX indicating my payment was declined. I looked at my Chase account and the activity showed the money being deducted and completed. I called XXXX XXXX on XX/XX/XXXX and they suggested I wait one more day. So today the payment of {$160.00} has not been credited. I called Chase customer service and spoke to 5 separate customer service representatives. Each of them confirmed the transaction and said I would have to talk to someone else. I am now waiting for the 6th person to speak to. So far each representative said there's nothing they can do. This same thing happened last year with a payment of {$250.00} to XXXX XXXX XXXX ( local electric provider ). In that case, I couldn't get any help and I had to pay an additional {$250.00} out of my own pocket because Chase lost my money. I'm not willing to do that again, so that's why I'm asking for your help.
Company Response:
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The bank opened an annual fee credit card without my permission.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: JPMB J.P Morgan hard inquiry was opened on my account XX/XX/2023 without my consent. I want this hard inquiry removed because I did not request or consent to this.
Company Response:
State: GA
Zip: 30084
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: 2023-11-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I made a purchase for {$440.00} that had a 0 % promotion for 12 months. I made the first minimum payment of {$37.00}. In the same month I made a {$3000.00} purchase and payed off the {$3000.00}. The next statement they had removed the promotion and stated I paid the promotion off with the {$3000.00} payment. The {$3000.00} payment was above the minimum due that month, they applied the payment to the non-interest balance rather then the interest bearing balance. When I contacted them I was told there was nothing the person could do other than connect me to management. I have been on hold waiting for management for more than 30 minutes. It is clear they are waiting for me to hang up. This was also my second call, the first call they told me to call an XXXX number as it was their problem. XXXX sent me back to Chase. This is a Chase XXXX XXXX rewards card.
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A