Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is an unidentified inquiry to JPMCB Card made on XXXX ( overnight ) for a credit card with 0 months repayment terms that I did not make. Chase is not seeing the report on their end, but it is clearly showing as a hard inquiry on my XXXX account affecting my XXXX score. There is also another hard inquiry to XXXX XXXX XXXX on XXXX that is showing as " unspecified ''. XXXX also shows nothing on their end, but again, this is impacting my credit as a hard inquiry. My XXXX XXXX XXXXXXXX account was hacked as well and there were two separate orders for around {$8000.00} dollars made by someone in XXXX Texas. This has been resolved with the store and the charges are being reversed. Address for the delivery of these items to the person who made the charges is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the phone number this person provided is XXXX My XXXX XXXX XXXX were also stolen and used to make Hotel reservations at the XXXX XXXX XXXX XXXX Alabama XXXX Guest name given on the reservation is XXXX XXXX. I have reported this to XXXX XXXX fraud department and they are sending a report for me to complete later today.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I took advantage of an " My Chase Plan '' promotion, an interest free payment plan XXXX % interest offer for a {$6100.00} purchase I made on XX/XX/2023. On XX/XX/XXXX, I made a XXXX payment from XXXX, but when I got home, I realized I had been given the wrong item. I returned the item and exchanged it for the correct item on XX/XX/XXXX, which XXXX processed as a {$2100.00} merchant refund and a {$2700.00} new charge. Chase applied this merchant refund as a payment against my promotional interest-free balance, which meant I immediately owed interest on that amount. I called on XX/XX/2023 and spoke to an agent who identified herself as XXXX in XXXX. I explained the situation and she said while Chase 's system could not differentiate a merchant credit and a consumer payment, she understood that the merchant credit should not have been applied to the My Chase Plan promotional balance. She consulted with her manager and told me she had a way to fix things. I have a contemporaneous note from this call that she " advised me to pay {$3200.00}, '' below the balance then due, and that she would sort things out and I would receive a letter confirming the change. ( I recall that she told me on that call that even if the approach she had in mind failed, her supervisor had agreed to circle back and fix things in a different way. ) I did not receive the promised letter and no changes were made to prevent the interest from being charged. I called back on XX/XX/XXXX and spoke with another supervisor, who saw XXXXXXXX XXXX notes, and told me that she had made the request and that he understood why the department that received it might have misunderstood what XXXX was asking but that he would clarify with them and get this resolved in the way she promised. He told me I would get a call to confirm within a few days. I did not receive the call. I called back on XX/XX/XXXX and spoke with a supervisor named XXXX in XXXX. She told me they would not be able to make the changes to my account that the two previous reps had promised. She said the full balance was due immediately on the amount of the XXXX refund, or I would continue to incur monthly interest on that amount. She did remove further interest charges that had already been incurred, since they were clearly incurred because Chase representatives had instructed me to pay specific amounts. I pointed out that even if I paid the amount she now said I owed before the next statement, I would have one more interest charge posted against that balance. She told me that if I paid the full interest-bearing balance, I could call back to have the interest removed from my statement once it posted. She told me she would note this on my account. Per that conversation, I paid the full ( disputed ) interest-accumulating balance by my due date, and called back on XX/XX/XXXX to request that the final interest charge of {$47.00} on XX/XX/XXXX be refunded. I spoke with a representative named XXXX in XXXX, who apologetically said that she was not able to refund that charge, and that there was no one at Chase who would be able to do so.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I the month of XXXX a fraudulent application was made to Chase bank for a credit card in my name using my SSN. I received a notice from XXXX about the inquiry and upon learning that the request was made by JPMCB I contact them to report the app was fraudulent. I asked for other identifying information that may have been used in order to determine how much of my personal information may have been compromised but the bank refused to give me that information. They did shut down the application as fraudulent.
Company Response:
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I added XXXX XXXX XXXX XXXX to my Chase account for the propose of transferring money from XXXX to Chase. Both accounts on my name. I received email confirmation that account was added and available for transfers. I submitted a {$9000.00} transfer, initiated by Chase, from XXXX to Chase. Shortly after I submitted the transfer I received a call from Chase Fraud prevention, the lady on the phone verified my information, and then advised that transfer was rejected, on my question by which bank and for what reason she was not able to provide any information not how to obtain such information, I requested to speak to the supervisor. Account Supervisor XXXX advised me that transfer was rejected due to Chase was not able to verify my information with XXXX, when I asked if they contacted my XXXX bank, he said yes, however XXXX refused to provide information by which means Chase contacted XXXX ( there should be at least XXXX means/ways for the bank contacts in order to verify information ), XXXX also advised me not to submit such transfer again as it will get rejected. Upon request of an official letter from the bank that transfer was rejected and the reason why, I was advised by XXXX that they do not provide such letters. Chase has restricted the usage of my account by rejecting the transfer and refused to provide any official documentation on such action.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Money was transferred from checking account to savings account. Money was intended to be for rent. Planned to move Money back and pay rent when the management group updated our portal. The savings account was closed without my consent but only after our funds were transferred. Now we do not have our rent money and the institution support is saying not to worry that the money should be credited to the original checking account within 5 business days. Meanwhile my rent will go unpaid.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My Mortgage was sold by XXXX XXXX to Chase Mortgage over a month ago and I was told that by XX/XX/XXXX, my escrow funds would be posted on the website. To date it is not and my request for a statement has been ignored as my escrow balance is $ XXXX XXXX. Yet the amount that came over from XXXXXXXX XXXX and with a subsequent payment now totals over {$6900.00}. I have requested call backs from managers so as to find out what the hold up is and get a statement/letter/email with my escrow balance. Which they have ignored.
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had money fraudulently withdrawn from my Chase checking account on XX/XX/2023. Someone forged a check from the account and deposited it using a mobile app. ( Apparently to another Chase bank. ) Since reporting the fraud as soon as it posted to my account, I've been unsuccessful in getting any answers from Chase 's fraud department. What I have received instead are excuses and delays, with repeated requests by Chase for information that I had already provided ( and have documented ). Chase 's communications with me have been piecemeal, not transparent, and uncoordinated, leaving me with the impression that resolving this fraud is unimportant to Chase. Here is the timeline of events. Please advise if you need specific documentation or additional details. - XX/XX/2023 : I reported a fraudulent check in the amount of {$5000.00} to Chase, when it first posted to my account. - The fraudulent check was deposited electronically via a JPMC bank, as seen in the check image. This presumably means this fraud case would fall under protections afforded electronic banking. - Chase failed to flag the check as fraudulent, even though the withdrawal amount of {$5000.00} was well over our threshold for account withdrawal alerts. We received no fraud alert from Chase about this transaction at any time. - That day ( XXXX XXXX XXXX ) I called Chase and was instructed to go to a bank branch to handle reporting. I went to a Chase bank branch in person to provide details of the fraud, freeze the affected checking account, and open a new checking account. During that visit I asked about reimbursement of the stolen funds. I was told by the Chase representative that the funds would be deposited back to my checking account " within 24 hours. '' That never happened. - Several days after that visit that I informed by Chase ( via secure message on Chase.com ) that I needed to complete a UCC Forgery Practice Document. - XX/XX/XXXX- I returned to the same Chase Bank branch in person, and completed the UCC report with a Chase representative, who faxed it to the Chase Fraud Department. - XX/XX/XXXX- I contacted Chase via the Chase.com online secure message center inquiring about status and reimbursement. - XX/XX/XXXX Chase replied online that a police report was needed for the claim. ( This was the first time anyone from Chase mentioned this part of the puzzle. ) - XX/XX/XXXX I submitted the police report via Chase.com secure message center. - XX/XX/XXXX I received this message from Chase via the secure message center : " Additional information : The Police report has been processed to be uploaded to your claim which may take 1-2 business days for processing. '' - XX/XX/2023 I wrote to Chase via Chase.com secure message center asking about status of claim, as it's been 1 month since submission of the police report. - XX/XX/XXXX Chase sent me this reply : " Claim Status : Claim Closed. Additional information ( if applicable ) : In order to proceed with the claim, we require a detailed Police report is needed to proceed with the dispute. '' I replied stating that I had confirmation that Chase received and was processing the police report. XX/XX/XXXX I received this reply from Chase : " Your claim is still under review. Once our research has been completed, a letter will be sent to you regarding the outcome. '' XX/XX/XXXX I called the Chase fraud department for an update and am told by a representative that they need a police report. I explain that I had sent it, that Chase confirmed receipt and it was in process. I ask to speak with a supervisor and after a short pause I am disconnected from the call. Chase has been either intentionally stonewalling any resolution, or they're incompetent to handle it given their uncoordinated systems. I just want the stolen money reimbursed to my account and to move on.
Company Response:
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I " rent '' a XXXX XXXX XXXX from Chase. It does not work. I have gone through the tech support process with Chase and they are unable to fix it, but are also refusing to remove it from my account. They are forcing me to pay XXXX XXXXXXXX for a XXXX XXXX that I can not use. I had an appointment with their " tier 2 '' support team on XX/XX/XXXX XXXX XXXXXXXX, and they failed to call. They are charging me for a product I can not use and they refuse to support. This is FRAUD.
Company Response:
State: CA
Zip: 95945
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute the following information that appears on my credit report on XX/XX/. Inquiry from XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from JPMCP CARD SERVICES on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Company Response:
State: TX
Zip: 77705
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Contacted Chase to report fraud charge on XX/XX/23 for ACH debit to Dept of Ed Student Loan ID XXXX. Started claim and placed stop payment on transaction. Charge posted and called back XX/XX/23 and spoke with XXXX. She was able to give me trace ID but no contact information to where my money went to find who is using my account for fraud. Charge is for {$100.00}. Chase is only advice is I have the option to close my account of 31 years and open a new one.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A