Date Received: 2023-11-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 I received an email from JPMorgan Chase that they were reviewing a new request for a Chase Freedom Unlimited credit card application. I have never had a credit card with them and did not request one. I called them and let them know. They told me they flagged this as fraud and cancelled it and that they will be correcting the credit inquiry on my credit report. This is the XXXX occurrence in less than a month. They refused to share any information on the credit application. They also said it's impossible for them to not run my credit when they receive an application.
Company Response:
State: MI
Zip: 49464
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Chase Bank tried pulling my credit on two different occasions that hurt my credit. I never applied for credit through Chase bank in the past few years. I want these removed from my credit report. Someone must have stolen my identity. I am looking into how to fix that too. JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. Hard inquiries JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record untilXX/XX/2025
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing to express my profound distress and dissatisfaction concerning the unexplained closure of my account on XX/XX/XXXX. Upon noticing the closure, I immediately sought clarification from a local banker who, regrettably, could not provide any reason for this action. Subsequently, after approximately ten phone calls to your customer service, I was informed that the closure was due to a transaction suspected of fraud. I wish to clarify that this transaction was a transfer from a friend whose credit card had been compromised. He was in the process of canceling the card and moving to another country, thus, he transferred the remaining balance to me. I firmly believe that no laws or regulations were breached on my part during this transaction. Each interaction with your account closure department has resulted in varying and inconsistent responses. On some occasions, I was told that my funds had been sent out ; other times, I was advised to present documentation at my local branch to prove the legality of my funds. However, upon visiting the branch, the local bankers were unable to find any channel to upload such documentation. I was even asked to fill out a form that does not exist, and sometimes, I was simply told to await further communication. This back-and-forth between phone service representatives and bank visits has happened around five or six times. The latest contact ended with the information that the investigation is ongoing and without any concrete timeline for the return of my deposits. I am left with critical questions : On what grounds are my funds being withheld? If an investigation is necessary, why is there no direct line of communication for submitting proof and evidence? It is unacceptable for the bank to retain my funds indefinitely, extending the timeline at their discretion. What if these were all my savings? How am I expected to survive without them? I urge you to address this matter with the utmost urgency. Please provide a direct channel for communication and a definitive timeline for the resolution and return of my funds. I await your prompt and positive response.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been a long time customer of Chase Bank and have Checking, Savings Business Accounts. In addition I have a Chase Sapphire Credit Card & Chase XXXX XXXX Credit Card both which have accumulated a large amount of Rewards Points as they are used for my business operations in which I rarely have used any of the rewards points. I decided to check on the balance for my rewards points on around XXXX of XXXX and unbeknown to me Fraud or Scammers must have been able to access my rewards points and had been redeming them for gift cards going all the way back to XX/XX/2023. I immediately called Chase JP Morgan Bank to report this fraud in which only XXXX card was canceled at the time and a report filed for Fraud and I would receive the reimbursment of the rewards points in XXXX business days. After this time passed nothing came up so I then called again to Chase JP Morgan Bank and received the same line of XXXX business days in addition I found out that my other credit card was also compromised and even the Chase representative mentioned that the first representative failed to ensure that all my other accounts were safe and protected from the fraud or scammer accessing my accounts. This was very negligent on their part and she proceeded to cancel and re send other credit cards and changed my account numbers. We are now in XX/XX/2023 over 3 months have passed and I have yet to receive the full reimbursement for the rewards points which add upwards of XXXX. This is very negligent as Chase JP Morgan is responsible for the safe keeping of my accounts and this level of breach was a significant damage to myself and can only imagine the others that may be experiencing this same level of damage. This poses a huge threat to the integrity of the safety for consumer accounts and identities and would like to have this furthur investigated and receive a Full Reimbursement for all of the points that were illegally taken from the Fraud that occured. Any Chase JP Morgan client should be aware that this can be happening without their knowledge and I strongly advise to look into the rewards points they have accumalated and review to ensure they are not being redeemed by a scammer/fraudster.
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, my XXXX phone and phone number were hijacked and I was unable to use my phone. I contacted my phone provider, XXXX, and informed them of the issue. I was then instructed to buy a new XXXX card. Unfortunately, this did not resolve the problem. On that same day, I received notification that my XXXX account was utilized to set up an XXXX account and subsequently used to sign into an XXXX XXXX. I do not own an XXXX and I have never had an XXXX XXXX account. It appears the hackers were able to use my personal information to create an XXXXXXXX XXXX and to gain access to my Chase Bank and XXXXXXXX XXXX accounts. The hackers also deposited a fraudulent check for {$5000.00} payable to XXXX XXXX, and a fraudulent cashiers check payable to XXXX XXXX XXXX, to increase the amount of money that they could steal from the account. Their fraudulent indorsement of the check to XXXX XXXX said for electrical deposit only. I do not know anyone named XXXX XXXX or why Chase allowed that check to be deposited into my account. On XX/XX/XXXX, I reported the fraudulent activity to Chase Bank. On Monday, XX/XX/XXXX, I went to a local Chase branch and discovered that {$4000.00} was stolen from my account and that the account now had a negative balance of {$5600.00}. On the same day, {$2400.00} was stolen from my XXXX checking account. Thus far, XXXX has returned {$2000.00} of the stolen funds and is still investigating the fraudulent transfer of {$400.00}. On XX/XX/2023, I received a letter from Chase stating that my claim was denied because Chase found that the transaction ( XXXX ) was processed according to the information [ I ] provided or was authorized. The letter stated that I could contact Chase if I wish to review the information it used in its research. On XX/XX/2023, I filed a police report with the XXXXXXXX XXXX regarding the identity theft that occurred on XX/XX/XXXX. I have followed up with Chase numerous times since then. I still have not been able to review any of the information or documentation it used in coming to its determination that no fraud occurred. On XX/XX/2023, I contacted Chase seeking clarification on the reason for my denied claims and to request copies of the documentation it used in its research. During the conversation with a Chase representative, I was informed that my Claim # XXXX, amounting to around {$10000.00}, was denied due to the payment being made via XXXX XXXXXXXX XXXX The transaction description read " XXXX XXXX. '' As I mentioned previously, I owned a XXXX phone during the time of the transaction, and XXXXXXXX XXXX XXXX functionality is exclusive to XXXX. Despite my attempts to explain this to the Chase Bank representative, they ignored my statements and refused to provided me with any documentation supporting its contention that the transactions were authorized.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received text from someone claiming to be a Chase representative. I have one credit card, an ATM card, and my mortgage with Chase. The text said a charge was made on my credit card and wanted me to verify it. I responded 'no ', then checked my account and saw the charge. The next day I received a phone call from someone claiming to be a Chase specialist and there seems to be activity in my checking account that seems odd. I explained my credit card information had been compromised, so now it seems my debit card was as well. The 'customer service specialist ' said she would cancel the credit cards and have new ones sent within 5-7 business days. She asked if this was my address and bank information, and it was, so I agreed. She thanked me and hung up. When I signed into my checking account on XX/XX/XXXX, I noticed there were 2 strange withdrawals. I called Chase to ask them how these charges were allowed when my debit and credit cards were cancelled. They said they had no record of my cards being cancelled and reordered. So, the 'fraudster ' who claimed to work at Chase that called me stole my information and started making purchases. The first in my checking acct was {$400.00} and the second was {$2000.00} which caused an overdraft and fees. I explained to the Chase representative ( there were 4 that I spoke to over the course of an hour ) that these were not my withdrawals ( one was an electronic withdrawal 8 hours away from where I live. ) The final representative said there is nothing she can do to refund my account except for the {$400.00}. I went into a branch on XX/XX/XXXX to speak with a banker in hopes the fraudster did not have my checking account information. He assured me the withdrawals were done using my debit card ( which was in my wallet ). He called the home office for Chase and after another hour received the same answer as me. 'I can not be refunded the {$2000.00} '. When I looked at his computer and saw all these random charges in my checking account, but they were all denied by Chase. If these charges were denied, why would the other 2 be successfully withdrawn when there was a fraud alert on my account. I was supposed to be contacted by Chase to discuss the situation again, but never was. All I am asking for is the {$2000.00} be refunded to my checking account. With all the money I spend with Chase credit cards, and my mortgage, I am appalled that the company would not take my side. I was completely taken advantage of and am a victim of ID theft. I filed a police report/complaint, filed a complaint with the FDIC, and they said I had to deal with CFPB, and they would forward my original complaint. I have not heard anything back yet so am hoping you can help me. Thank you, XXXX
Company Response:
State: CA
Zip: 95746
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Chase has reached out about the inquiries. XXXX has not updated the report to reflect the correct information. Chase said the inquiries should be soft not hard inquiries. I spoke to a Chase representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.
Company Response:
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I wired {$92000.00} to the Chase account I thought had come from the legitimate contractor we were using and didnt realize we had been spoofed. On XX/XX/XXXX, I wired another {$67000.00} to the same Chase account per the two invoices that were due. I received an e-mail back from the fraudster saying thank you wire received. At this point I had wired {$150000.00} to the fraudsters account at Chase thinking I was wiring to XXXX XXXX per my instructions to the banks. Our bank, XXXX XXXX verified my wire requests by calling me and I confirmed both the account number the routing number and the name on the account as XXXX XXXX XXXX. We believe that Chase did not follow proper Know Your Customer Rules by failing to verify customer identities to prevent fraud, establishing a risk profile for each customer at the outset of the business relationship with them is a key component and continual monitoring of customer transactions standards to detect suspicious activity. This account should never have been opened by Chase in the first place and funds intended for Puffin Builders should not subsequently have been delivered to it.
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unresolved Issue with JPMorgan Chase & Co . Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance and urgency regarding an unresolved issue with JPMorgan Chase & Co . I have encountered significant difficulties in my attempts to retrieve funds held by Chase, and I believe that my rights as a customer, as well as banking regulations, are being violated. The issue in question pertains to a cashier 's check that I deposited into my JPMorgan Chase account. The cashier 's check was issued in the name of my brother, " XXXX XXXX, '' and I had explicit authorization from him to deposit this check into my account. Following the deposit, I requested that Chase return or issue the cashier 's check to me, but the bank has been uncooperative and has failed to resolve this matter despite numerous attempts at communication. I initially provided my brother 's phone number to Chase as a means of verifying his authorization for the deposit. However, the bank refused to contact him through the provided number, claiming it was not registered with major carriers such as XXXX, XXXX XXXX XXXX, or XXXX. I explained that my brother uses a prepaid phone plan, which is likely the reason his name does not appear in these databases. I suggested that Chase contact XXXX XXXX, the issuing bank of the cashier 's check, to verify my brother 's name and information, but this alternative was also rejected by Chase. Chase 's insistence on only using a phone number registered in my brother 's name is highly suspicious and raises concerns of potential fraudulence. The bank 's failure to explore alternative means of verification, such as contacting XXXX XXXX, is both frustrating and inexplicable. I have also lodged a complaint with Chase regarding this issue, and the complaint number is " XXXX. '' I trust that you will find this complaint in your records, and I hope that this information will assist you in addressing this matter more effectively within Chase 's internal complaints system. I believe that my rights as a banking customer are being violated, and this situation is in clear contravention of banking laws. The inability to access my own funds, despite having provided all necessary documentation and authorization, is both unreasonable and unjust. I kindly request your assistance in resolving this matter with Chase and ensuring that my rights are upheld, and banking regulations are adhered to. I appreciate your prompt attention to this matter, and I look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX for any further information or clarification required. Thank you for your assistance in this regard. Sincerely, XXXX XXXX
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX exactly at XXXX I was basically forced to withdraw XXXX $ out of my account even though I only had about XXXX XXXX a masked guy approached me next to the atm and told me that he needed help to get his money, he told me about 3 times I dont mean no harm to you I just need to get my money, as soon as I heard those words I got scared because he was masked and I didnt know wether he was armed or not, I did as he instructed me and acceded my atm using XXXX XXXX, he processed to insert a paper into the atm ( at that time I had no idea what it was ) he clicked no print and told me, now go ahead and withdraw it, so I did, handed him the money and he left, I called chase and they told me to wait for the unknown paper to clear because until it clears they cant tell me what it, since I needed that to file a police report I waited for it to clear, about XXXX days later it cleared and they told me it was a money order and I proceeded to filed a police report, also went ahead and filed a report with XXXX, they temporarily credited my account to get it back to positive since it was negative XXXX, just 2 days after filing the report they closed the case and told me the transaction was authorized, I asked how can a robbery be authorized? Their answer was that I needed to resolve it with the police and theres nothing they could do even though I was robbed at XXXX of their atms, the police is still investigating the matter and has not yet informed me if they catch the guy or not so XXXX assuming not.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A