Date Received: 2023-10-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX XXXX, I was robbed and my phone was stollen in XXXX where I live. The robbers were able to access my phone before I was able to call Chase and report the fraud. They had then sent themselves {$2000.00} XXXX transfer from my Chase account to theirs. I called Chase who advised me to fax them a police report from the XXXX, which I did fax to them, only for them to reply to me again saying that the claim is denied even though I have my full statement with the XXXX in the police report the had asked me to provide.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XX/XX/ I was trying to pay for groceries, but Chase Bank put my account on hold without letting me know what happened. I called Chase and they said I filed 7 claims ranging of amount of money. I informed Chase I did not file any claim or even called them. Never had to file a claim. I asked Chase how did someone file a claim when I never was notified either by text or call? I asked them did they ask " personal questions '' file a claim and they could not answer that question. I was not able to access my money for almost a month due to Chase have to do an investigation. I could not get any money to get to work, renew my license for work or even go to my appointments. I had to borrow money from coworkers so I was able to go to work. I almost lost my job. Now Chase said I owe them almost XXXX How do I owe them money when they never verified if that was me who called. I even do not even knew I can file a claim so how can that be me. Since my account was compromised my account was on hold. I took my money out of Chase and went to another bank. I have been with Chase for over 15 years and now they keep calling me to ask when can I pay my debt? Can I sue Chase for compromised account and them allowing someone filing a claim without my permission?
Company Response:
State: CA
Zip: 95382
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXXXXXX XXXX I got email stating that they were not able to approve account for new Chase Freedom XXXX On XX/XX/XXXX I got another alert on that JPCMB was trying to pull my credit report for another Chase Freedom XXXX I have 2 hard inquiries that I didn't request a new account.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited financial instruments into accounts and bank received deposits and have tried to hide instruments from the accounts. After receiving deposits bank tried to close accounts without any lawful reason and have not returned any of the deposits.
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2023 me and my Principal, XXXX XXXX, pursuant to a Statutory Power of Attorney under the Iowa Uniform Power of Attorney Act went to the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, IA to have Power of Attorney documents notarized and to open an account in his name and when taken back to the bankers office the banker promptly began opening the account for XXXX XXXX. This wouldn't have been a problem because under the Iowa Uniform Power of Attorney Act I only need the acknowledged Power of Attorney Forms in order to transact on his account under Iowa law. Of course the banker explained that their policy was to send the Power of Attorney to their legal counsel for review and that they had to wait for their legal counsel to approve the Power of Attorney and then add it to the account. In the mean time the banker suggested creating a joint account so that I could access the account if necessary while we await for their attorney 's to decide whether to accept the Power of Attorney or not. Obviously, this was an issue as it violates the Iowa Uniform Power of Attorney Act on several levels and as as result the branch manager was brought into the discussion to further attempt to bully and insist that their policies would have to followed regardless of the law. During this interaction the branch manager, XXXX XXXX brought other employees into the discussion to further bully and intimidate me into complying with what they wanted to do. One of these employees was Executive Director/Marketing Manager XXXX XXXX who came into the office with a lot of misinformation and only sought to escalate matters further and on several occasions falsely accused me of being rude and disrespectful to her and her employees to the point where it can be argued that she engaged in XXXX discrimination. When informed that the law obviously trumps the company policies she promptly retorted that this was not true and that it was the other way around. At some point I began recording because of the route things had been taken and I have it on recording where I was falsely accused of being rude and disrespectful numerous times as well as XXXX XXXX at least admitting and defending her stance that the banks policies superseded the laws among other things including the fact that it was only I, myself, who took the time to try and deescalate and get the conversation back on track and I pointed out several times that they were simply wasting our time as well as made numerous requests for them to contact legal due to the situation which ultimately only got interpreted as a desire for me to lodge a complaint by XXXX XXXX. Ultimately, XXXX XXXX did notarize the Power of Attorney putting into full effect but because of the time XXXX XXXX insisted that we had to come back another time to open the account but was adamant that we would have to comply with the banks unlawful procedure. As a result I lodged a corporate complaint only to discover that branch employees had lodged complaints on my behalf ahead of me in a clear attempt to get their version of the facts heard before mine in a clear attempt to garner favor from corporate and/or the investigations team. On XX/XX/2023 I spoke with XXXX who had been assigned to handle my complaint and she instructed me to contact a branch to set an appointment to have the account setup but could not guarantee that I would not continue to run into problems despite claiming that the issue was addressed and that the branch was advised of the proper policy as it pertains to Power of Attorney 's in the State of Iowa but for whatever reason when I requested that she disclose that policy she asserted that she was allegedly not allowed to disclose the banks " proprietary '' policy. Of course that wouldn't fly in a court of law and I am fully aware that banks notoriously have this issue and it does sadly result in legal action at the expense of the bank and an order mandating that the bank accept the Power of Attorney. I did reach out to the branch to see about scheduling the appointment for the account opening and did inquire as to what they were informed of and of course I did not get the bankers name but when she insisted that she had to transfer me to XXXX XXXX I asked for her name once more and she refused stating that she did not feel comfortable providing me her name obviously as I had already indicated that I would be reaching back out to XXXX to report the interaction. Eventually she hung up prompting me to call back and this time I reached " XXXX '' who upon discovering what I was trying to do informed me that I had to wait for XXXX XXXX to call me back and that they were informed by XXXX XXXX to not take my calls and to make me wait for a call back that may or may not happen. This was clear retaliation for my complaint and as a result I contacted XXXX back immediately so that this could be added to the investigation and properly addressed. At this point XXXX advised that I just wait for a lady named XXXX to contact me again as she had attempted to contact me last week before she went out of the office explaining why she has not returned my calls. XXXX did inform me that she would reach out to XXXX to ensure that XXXX knew that I had to try to respond to her voicemail and to make sure that I had a good number for her. While I waited I decided to try me luck with the other two local branches and only discovered that both branches were only aware of the policy stating that they had to have the Power of Attorney approved by their legal counsel. XXXX at the XXXX XXXX XXXX branch was far more respectful than anyone else that I have spoken to on the branch level thus far and he was very apologetic for my experience and did state that he would reach out to their legal departement to see what they should be doing. He also provided me his email address so that I could send him a copy of the Iowa Uniform Power of Attorney found in the Iowa Code so that he had it when he spoke with them and could hopefully address the issues at hand. Either way this shouldn't have taken this much to get someone to finally contact the legal department to ensure they were in compliance with the law. Furthermore, I can't stress enough how much risk the alleged current policy places on employees as Iowa law permits an agent and/or principal to sue not just the bank/business entity but the individual who refuses to accept the Power of Attorney themselves and so at the very least this is extremely reckless on the banks end.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Please see attached documents. In a nutshell, Card Benefit Services, on behalf of JP Morgan Chase Bank has refused to pay a valid claim for trip reimbursement expenses as set forth in the " Guide To Benefits '' associated with the Chase Sapphire Preferred Card. Each time I met their request for additional documentation, the representative would give another excuse as to why the claim could not be paid. This has been ongoing for the last 10 months.
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: It has been 3 years since I was contacted by a friend of a cousin, asking for a {$35000.00} loan to invest in his business. I tried contacting the bank to reverse the transfer as well as contacted a lawyer to take my case. I have not succeeded in getting my money back in both cases.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. My chase credit report shows the following : JPMCB card shows credit balance of {$8100.00} with credit limit {$10000.00}.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received an email that I had a hard pull from 'JPMCB CARD SERVICES ' to my credit score on XXXX XXXX XXXX XXXX XXXX XXXX I started to received emails to an email that is not associated with my established credit card with Chase. That I had been " approved '' for a chase freedom flex credit card to expect my card in the mail " 5 to 7 business days ''. I immediately called Chase 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call Chase 's checking and savings fraud department as well. She stated there were two different frauds progressing. I called XXXX to put an alert on my credit score then called Chase checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a Chase total checking account had already been denied. There was now another notification, I had a hard pull from 'JPMCB CARD SERVICES ' on my credit score as of XX/XX/2023. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I have my mortgage through XXXX XXXX, who after years sent the loan to Chase Home Mortgage for the servicing, earlier this year. Ever since Chase has been servicing the loan they have been unable to apply my payments correctly, I send half my mortgage payment with each by-weekly pay cycle and Chase continuously applies my payments to the principal balance and not as a regular payment. This prevents my due date from advancing and causes me to have to take the additional action of emailing Chase each month and asking them to correct the payment posting. Not only is having to contact my servicer monthly something that should be unnecessary, but it also creates a situation where my loan will go into default should I ever be unable to contact Chase about the payment application. I reached out to Chase regarding this issue several times, the most recent being escalated to an escalations group, to no avail. XXXX XXXX serviced my loan for years and I made payments in the same fashion without any issue, if Chase can not post my mortgage payments correctly, I would request that they send my mortgage back to XXXX XXXX for the servicing.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A