Date Received: 2023-10-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: J.P. Morgan chase bank did hard inquiry for credit application I did not do
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, there was a XXXX of {$1500.00} that was sent under XXXX 's profile to a XXXX account that was not authorized by us. We called Chase immediately to dispute this transaction and file a claim. Chase told us that it would take at least 10 business days to approve or deny the claim. We followed up on this claim and was told the claim was denied. Confused on why Chase was denying responsibility to an obvious bank error we requested to reopen the claim. It was reopened and later we were told that it was again denied. On XX/XX/2023, we spoke with Claims Management after being hung up on by one another one of the supervisors. Throughout the entire process, Claims representative was rude, belligerent, unempathetic, and inconsistent in their explanations. On XX/XX/XXXX, I spoke with XXXX, a Claims manager, he said that the XXXX was sent to a company by the name of XXXX XXXX XXXX XXXX via an email address XXXX. I explained to XXXX that there was no way we could have mistakenly entered an incorrect email address. That this is obviously a bank error. I even offered to send in proof via email. Instead, I was yelled at by the representative and told that there was no way Chase system could have made an error. I requested to speak with a manager and was told that a manager would have to call me back in 24 to 48 hours. I received a call on XX/XX/XXXX from XXXX. During this phone call XXXX explained to me that she sees that XXXX entered the intended phone number of XXXX. Yet, she could not explain why it was sent to the wrong recipient even though on the same day I sent the same amount ( XXXX ) to the same number ( XXXX ) and it was received by the correct recipient. She could not explain why it happened but insisted that the bank could not recover funds so they would not refund the {$1500.00} even though it is obviously a bank error. On XX/XX/2023, I spoke with XXXX, another supervisor in the Claims department. I was told by XXXX that she could not see what information was entered. As mentioned earlier, every time I speak with a Chase representative, I am being told different information. I've explained that this {$1500.00} is costing us XXXX of dollars because it has caused our account to be overdrawn and preventing us the ability to get approved for a merchant advance. This merchant advance is what we would use to purchase equipment and make sales that would generate upwards of {$30000.00}.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I was assaulted and robbed : My cell phone, wallet, laptop and other items were stolen. Immediately after the attack and theft I was locked out of my accounts ( banking, email, XXXX, credit cards and more ). It took time for me to recover and start filing claims and freezing accounts. I filed a complaint with each company that was impacted. XXXX, XXXX XXXX XXXX, XXXX XXXX, Chase Saphire ( credit card ) Chase Bank ( atm/debit ), XXXX, cash app. All of my accounts were hacked and stolen from. I was restored and made whole by all except chase banking. From the instant I called Chase to file my claim I was met with rude and unwarranted assistance. The agent was annoyed that I called and was refused to help me document my claims. He rushed to push the claim without allowing context or taking adequate notes. The customer service agent conflated two separate occurrences into one. I had an incident occur in XXXX, XXXX that I referenced but that was only to provide clarity of the transactions and dates. What he did was compiled it into the assault and theft claims. This information was never brought to my attention. I was not contacted and there was no investigation outside of going off this one agents notes. I contacted Chase many many times over and sent updated documents 3 different times costing me more money I did not have. I had no understanding and was provided no help. I was placed on hold and an agent thought they were muted, then I could hear them laughing and mocking me right before the call " randomly dropped ''. Recently - My claims were denied again without investigation and I was denied any further communication as though my money or the assault was unimportant. This incident happened between XXXX and XXXX in XXXX, MI. ( XXXX police claim number : # XXXX ) - contact number : XXXX. I filed a complaint with Chase and I'm hoping to get some support. I see many customers online have had similar issues like me. My hope is to be made whole and to stop the next person from being victimized by a powerful bank that can accept your money but not have the time of day to protect you. note : One agent said they sent a fraud alert notice to my phone and email but i did not have access to either of those tools because I was robbed and hacked. They would've known that had they contacted me or the police.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, Chase bank deducted {$1800.00} from our checking account. Our monthly statement described this as a XXXX dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned of this that night, when Chase sent an email telling us of a letter to our accounts Letters & Notifications folder, informing us of the deducted sum ( see Attachment, " Chase letter XXXX '' ). A phone call with Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via XXXX was an unauthorized transaction. Chase made one attempt to contact me on my cell phone on XX/XX/XXXX at XXXX XXXX Chases records show they decided ten minutes later to pay the tenant from our account, and close the matter. This was wrongful, mistaken, and negligent of Chase for the following reasons. XXXX ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was our last payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 2 ) There was no dispute to which we were a party, until the {$1800.00} was deducted. A single attempt to contact us is insufficient, and the subsequent decision to close the matter XXXX minutes later is unfair and unjustified. ( Even credit card charge disputes require more attempts. ) 3 ) Chase refuses to consider a pertinent condition preventing me from taking their phone call. I am an elementary school teacher, subject to strict laws governing cell phone use during working hours : I am not permitted to answer cell phone calls except for emergencies ( see Attachment, XXXX Cellphone Use Policy ). XXXX XXXX Customer Service promised on XX/XX/XXXX to follow up within XXXX business days. They have not. I have since telephoned them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XXXX ), but have not received any explanation or clarification, and moreover, have been told the back room analysts never take phone calls, nor talk to customers with complaints. Chases behavior is to deduct money from customers without sufficient notification attempts, and to refuse customer appeals or complaints. Chase should reimburse the {$1800.00} their mismanagement took from us. They hastily and wrongly deducted it from our account without warning, and decided that a single ( failed ) phone call was sufficient effort to contact. They robbed us of both our rightfully earned money AND any right to respond to charges. This is unfair.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. 18 USC 8 and 15 USC 1681 2 ( a ) ( 1 ).
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went into my local JP Morgan Chase Bank in XXXX AZ on XX/XX/XXXX and filed a Sales Purchase Agreement per the contract and had my personal banker transfer XXXX to another Chase Account of the " fiduciary '' on the contract. I spent several months trying to finalize the transaction which ended up being a complete fraudulent scheme which provide forged international documents, false banking wires, and false contact information. I called Chase Bank in XXXX of XXXX and was told someone would contact me to help resolve the matter. I never heard back from them, I attempted to call the corporate numbers and spoke to someone in fraud but they advised me that it was not fraud and a " very fine line '' between scams and fraud and they had to get another department to help me then I'd be put on hold for a minimum of XXXX minutes before I had to hang up and I've sat on hold for over an hour on XXXX separate occasions with nobody ever picking up the call. Today I made another attempt and was placed on perma hold again. I want to file a complaint against JP Morgan Chase for avoiding my claim and in helping me to try to recover my money.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was waiting for a package that never arrived. As I was still waiting for the package I received an email from usps to redeliver the package and update the address that was wrong. I licked on the link were it sent me to a usps looking like page where I put my address again and at the end it said it was going to charge me XXXX cents for the redeliver which I was fine with. I added my card and payed. I check my account to see if it went through and I did not see it post it. I then received an email from Chase saying that my card was added to XXXX pay which was an action I did not made. I thought it was an email about apply pay but I noticed too late. When I went back to my account I notice multiple pending transactions of XXXX dollars from different states. They were XXXX in total. I called Chase right away and the only thing they did was give me a new card and reactive my account with new username and password and gave me temporary credit. Then my claim was denied and credit was taken off. Now my account is on negative. Please help me, I lost XXXX dollars and Chase is not doing enough after I sent documents that were linked to the link of the scam.
Company Response:
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Friday, XX/XX/1931 fraudulent transactions to XXXX were made on my Chase checking account in a matter of minutes. The day before I had received a fraud alert from my Chase app for an XXXX charge of {$31.00}. That happens to be the exact amount of my monthly XXXX XXXX subscription, so I just assumed it was that and approved that. But then the next day I had the flood of XXXX transactions totaling nearly {$1200.00}. I called Chase within minutes of the charges and disputed them. Chase told me I'd have the money put back in my account within XXXX hours. XXXX hours passed and nothing happened. On Sunday, I got an email from Chase saying the had completed their investigation and were closing the case and had concluded that the charges were valid. Somehow, they felt XXXX small transactions in a matter of minutes was normal spending behavior. I called on Monday and spoke with a supervisor who said she would try and re-open the case but couldn't promise anything. It's a couple of days later and I've heard nothing from Chase, the case still says closed in my account, and I'm out {$1200.00} and Chase doesn't seem to care. I need help getting my money back.
Company Response:
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: My mother passed XXXX and left her condo to me. Her lawyer put the deed in my name and then placed it in MY trust name within days. I contacted Chase who my mother had roughly {$50000.00} left to pay on the loan. The condo was very important to my mother and she LOVED it, so I immediately wanted to keep it for the next couple of years. I had my son move into the condo while in school and working. I've paid the bills prior to my mothers death, and continue to pay so nothing is delinquent. I requested that they put the loan in my name and sent them all the requested documents. They claim to have never received them, via mail. So, I faxed the documents and at the same time they asked me to apply for the loan. They took their time as interest rates continued to increase. I applied, showing over {>= $1,000,000} in brokerage accounts. I was denied the loan. They asked my husband to apply and he was also denied. Of course, I was laid off of work ( same company 38 years ) in XXXX prior to moms death. I was okay with that as I was taking care of her as she was deteriorating. I continued to ask for updates and as stated earlier, was denied a loan. I explained to them at that time my husband was working and we should have plenty of income and assets to cover the loan. I explained to them at that time that I had a XXXX that was a lemon and I was carrying the cost of 2 cars until the process was complete. Which it did and XXXX returned all the monies on the loan. Unfortunately, my husband XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked prior to his injury and departure from work if they would keep the loan in the " Estate '' of my moms, and put the payment into autopay. They have accepted my autopay since the beginning. Next, they requested proof of insurance which I sent the condo association insurance, my policy and the umbrella coverage I already had. They indicated they didn't receive it. After escalating the issue, I was told that they didn't recognize my name because the insurance policy should be in my mothers name, who passed. So now they are asking me to complete a Successor of Interest packet, which I did, and faxed through their bank. Of course, they rejected my birth certificate, the one I used for my passport and to buy my current home. They are also asking me for the trust again, since they claim to have never received it. TODAY ( XXXX ), I received a call from Chase ; Life Events Supervisor stating that because the name on the insurance policy is mine and not my dead mothers name, they can't accept it. She suggested that I REMOVE my husband from the deed on the property to state only my name. Can you imagine? If something were to happen to me, they want to keep the property. The stress I feel is killing me, not only to have lost my mother and my job in the same year, but to have a large bank like Chase who is asking me to remove MY trust name from the property deed, so that they can accept my insurance. And, they have no regard for the fact that I lost my mother and have had to deal with stressful calls over 20 times in the past YEAR. I jump as soon as they ask for something, only to be put on hold and receive a letter later stating no. Interest rates have gone up substantially and I'm no where close to getting this taken care of. Please help! As I told Chase, I'm okay leaving it in the Estate of XXXX XXXX, but sending the bill to me, at the 3.875 % interest rate. I've also paid the increased property taxes as I do not live full time at the condo, but my son does who was living with me at the time of moms death. I was so upset when they rejected my request for a {$50000.00} loan, that I ripped up the rejection letter in frustration.
Company Response:
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/ I opened my Chase app and checked my transactions and to my horror saw that my checking account was drained basically. There were XXXX transactions all to XXXX electronic over a XXXX period ( XXXX XXXX XXXX XXXX ranging from purchaces for random game credits in ranges such as XXXX to XXXX and XXXX XXXX. Of course I freaked out and called Chase fraud. They locked down all cards and credited me back the approx XXXX in my checking account. They assured me everything was ok and they just had to investigate and verify its fraud. So, when I got off the phone with Chase fraud department I wasnt worried because inside the Chase app, XXXX somehow uploads a receipt for all XXXXXXXX XXXX XXXX transactions to the Chase transaction it is tied to. It showed random XXXX XXXX not linked to my email and random billing addresses. They are typically XXXX XXXX game credits repeatedly charged. Ive never bought a game from the XXXX XXXX in my life of course. I thought I was in the clear. I must reiterate, inside of the Chase application itself, XXXX sent digital receipts to the card number linked to the transactions. Not a single one of these receipts was tied to my XXXX XXXX or my billing address or were using XXXX method of buying the game credits. When referencing legitimate receipt for an XXXX purchase, such as the subscriptions monthly for XXXX XXXX storage and XXXX music, the receipt always references my correct email/XXXX XXXX and my correct billing address in the correct state I reside in. The fraudulent transactions do not match my months/years of legitimate XXXX XXXX XXXX transactions and it is clearly unauthorized fraud from a compromised debit card number. On XX/XX/XXXX, I noticed that Chase has decided that I authorized all of these XXXX transactions and they have decided to financially decimate me by clawing back the XXXX XXXX on XX/XX/XXXX. I was basically in tears reading it. I called fraud department and they informed me that The case has been closed because of lack of evidence of fraud and previous transactions to the vendor. So basically because I am an XXXX customer like millions of others I am being destroyed. They never asked me for proof of fraud or to upload documents until I called today? So yes I spent XXXX hours today uploading XXXX XXXX receipts that I got from the CHASE PORTAL, back to CHASE. I dont even know if this is good enough or relevant? They are so unclear about what burden of proof I need. Secondarily, I uploaded proof of my own XXXX XXXX ( same email as my Chase account ) and how none of those charges are on my own account and how my real charges receipts always have the same correct billing address and email. I am hoping this will be enough.? The fraud department seems like its based in XXXX when you call them, and they seem unsure of themselves and what proof I need to upload. They instructed me that I could upload these things to the portal but don't reopen my case and don't give me clear instructions on what I need to provide them or how they are actually investigating the claim. They provided me no evidence that I was the person who authorized these insane charges. I made a complaint with the XXXX and went inside a physical Chase bank location today. The Chase executive office reached out to me but still has not given me any clear answers on what they are doing or what i NEED to do to fix this fraud against me. I provided them with the same receipt proofs i provided the claims department and my claim remains closed and against me. Secondarily, I would like to point out something I feel should be noted. When reviewing a receipt that is legitimate and belongs to my actual account, there is a paranthesized " XXXX XXXX '' descriptor in the receipt. I noticed for every fraudulent transaction that uses the wrong email/XXXX and wrong billing address, it also is missing that the transaction was done via " XXXX ''. I believe that paying for things via XXXX requires the actual access to my personal icloud account and phone to register a card with XXXX. The fraudsters didn't have such access so none of their fraudulent transactions have the " XXXX '' marker. Just something additional that separates the XXXX. I feel like Chase is trying to adversarially bend me over, especially since they closed the case because lack of evidence BUT never asked me FOR EVIDENCE in the first place. I feel very blindsided by their process. I don't trust them. I am a victim of a crime and demand vindication.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A