Date Received: 2023-10-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to chase Bank on XX/XX/2023 spoke with XXXX about a electronic funds withdraw to another person to whom was scamming me she confirmed they could refund the this happened at around XXXX. By the time I was done the bank was closing so I wasn't able to do it that day to reverse the funds. The woman confirmed with me along with a second teller that I was able to refund the amount tomorrow ( XX/XX/2023 ) I went back that day to reverse the funds because I knew this was a scam and fraud. The teller then told me I'm no longer able to do it after that XXXX hour time period was done even after they told me that they would be able to do this. They knew I was being scammed out of this money and I felt as tho I was as well and had confirmed that I would be able to get my money back that day after I knew for sure it was a scam. The branch assistant manager then proceeds with me to assist informing me that there was no way they can help and that these tellers have given me false information. These scammers stole {$2500.00} from my account and put it into there account. The branch assistant manager told me the claims department would be able to help because they deal with all fraud and scams and would send me provisional funds. They did not. I have filed XXXX claims on my account snd they have told me even with police reports there will be nothing they can do as they don't cover scams and will not be refunding my money. I can not stress the importance of this matter enough this money was for me to move and these people that got the money scammed me and pretended to be home owners when they were not. I have already filed with the FTC. I was told by another claims member that if I have the police report they would be able to help. They continue to give me false hope and false information until I reach a claims supervisor. Once spoken with him he told me no matter what happens even with police report and ftc report there is no way they will be giving me my mo ey back. I can not afford to loose this money and will be having to file a law suit against my bank if I can not receive my money back. I will be taking chase to court for lying and giving false information. I am filing a police report for this as well. I have the names date and times of all the tellers and location of the bank. I will be getting there survalnce sent to me to prove that they Gave me this false Information with false hope. Please help me I can not loose any money I need it to move. I am supposed to be moving in XXXX month and that was my moving money.
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, I receive an email from CHASE thanking me for applying for a Chase Freedom Unlimited credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX account and noticed that JPMCB CARD SERVICES received a copy of my XXXX Credit Report. I have never applied for any Chase credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling XXXX and XXXX.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Company Response:
State: TX
Zip: 78214
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: My account with Chase was closed because I tried to make an account on my phone. The check with the money from the closed account was supposed to be sent to my residence. It has been XXXX months and nothing has come through. I have called 4 times and went to the branch 2 times already.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX a card was requested from Chase in my name and I was made aware by my XXXX service of a hard inquiry to that end. On XX/XX/XXXX a second account process was started and the first was accepted. On both the XXXX and the XXXX I called Chase to request these accounts cancelled and all further such requests denied and reported as fraudulent. I have placed fraud alerts and freezes on my credit, but on XX/XX/XXXX my parents received mail from Chase regarding a card application and on today XX/XX/XXXX, I received an email stating the same. I have not yet contacted Chase today, but the continuing barrage of applications specifically with Chase and the labyrinth of their outsourced customer service makes this continued game of whack a mile both frustrating and disconcerting.
Company Response:
State: MI
Zip: 49855
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: I have been attempting to remove PMI from my mortgage. In XXXX of 2023 I inquired about the process with my mortgage company, Freedom Mortgage. I was instructed that I was eligible to remove PMI from my mortgage as I had met the minimum requirement of 20 % equity in my home. I mailed out a check on XX/XX/XXXX to cover the BPO fee. The check was cashed in XXXX, but Freedom Mortgage did not remove PMI. After making several calls to their customer service I was assured that it would be removed starting XX/XX/XXXX. In XXXX I was sent a letter informing me my loan was being sold to XXXX XXXX. Freedom Mortgage intentionally did not begin the process of removing PMI as they knew the loan was being transferred. And now I have to restart the process with my new loan company, all while continuing to pay PMI in the interim.
Company Response:
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hi, I was monitoring my credit report with XXXX, and I noticed on XX/XX/XXXX that JP Morgan Chase Bank are make 32 unauthorized and non requested credit inquries several times per month and monthly since XX/XX/XXXX under different names without any credit application. I called on Sunday and the associate named XXXX from XXXX XXXX told me that they are allowed to do that and they are not. I have a regular checking account without any credit line, I did not have any credit card with JPMCB and I did not applied all 32 occasions. I need an explanation about this credit discriminatry acts that harm my personal and professional life and it is intentionally. The credit inquiries are the following : under name JPMCBXXXX there are the following inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with address XXXX XXXX XXXX XXXXXXXX XXXX XXXX tel XXXX. Under the name JPMCB XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX. Under the name JPMCB they inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX w/address XXXX XXXX XXXX XXXX DE XXXX tel. XXXX. Under JPMCB CARD inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. Under name JPMCB XXXX inquired on XX/XX/XXXX with address XXXX XXXX XXXX XXXX, DE XXXX, XXXX. I WOULD LIKE TO REQUEST THAT JPMCB XXXX, JPMCB, JPMCBXXXX, JPMCB CARD, JPMCB XXXX STOP MAKING NOT AUTHORIZED AND NOT REQUESTED DISCRIMINATORY INQUIRIES ON MY CREDIT REPORTS.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Chase reported I owe them a balance on of the credit cards that belonged to a C-Corporation. The corporation was shutdown in XXXX due to financial problems. I explained Chase, I am not responsible for the charges on the credit card. I personally did not use the card. They told me as per their policy, my personal information is tied to this card, hence I have to make the payments. They have declared delinquency several times on my credit report to force me to pay the balance. I eventually agreed to make monthly payments, which they started taking and after two years of payments they have handed over the case to a third-party collections company. The collections company harassed me every day, and they appeared on my credit report. XXXX has hurt my credit once again by bringing XXXX collections company. Chase failed to explain why corporate card was being charged back to an individual, why they are using consumer 's SSN to collect the money. Why did they declare delinquency while dispute is being investigated? Why did they bring a third-party collections when there is an agreement for a monthly payments, they clearly took several months of payments via auto-payment arrangement. Today, I settled with the offered balance with the collections company and I want Chase to repair my credit.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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: I booked my ticket through Chase Credit card XXXX for XXXX on XX/XX/XXXX from XXXX XXXX I was denied boarding on XX/XX/XXXX for the XXXX XXXX ticket number XXXX. I wasnt send an email from the chase credit card XXXX XXXX saying i required a transit visa for travelling through XXXX XXXX. If i was booking through the airline, i would have got that email which states i need a transit visa. i tried to dispute a claim for this through chase Claim XXXX and they will not refund the amount. This shouldnt happen to all the consumers out there. When i tried to contact airlines they dont seem to care about customers, nor did the credit card company.Please help with this request.
Company Response:
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received what I now know was a fraudulent call from someone posing as Chase Bank representative from a number that had a DC area code with a JP Morgan Chase caller ID. This number has called me repeatedly for weeks, often back to back, but I never answered because I assumed if it was serious, they would leave a message, which they never did. I decided to pick up today because I was worried. They referenced 2 charges that I had made to my debit card on the same day, which I confirmed. They then asked if I had authorized a charge at a XXXX XXXX in XXXX and mentioned that since I was located in DC, they assumed it was fraud. They offered to prevent the XXXX transaction and close my card. They needed my current address and pin number and gave me a temporary pin number and case number. Since I was going to be without a debit card, they set me up with XXXX XXXX, which I have never used before on any card. They sent me an official looking email from Chase confirming that I had set up XXXX XXXX. I told them I had never used XXXX XXXX before and wasn't planning on using it while waiting on my new card to arrive. They said it was a courtesy. They then said they attempted to send me a fraud alert text message, but I was not receiving it. They said they needed to talk to their tech department and would call me back. I then received the fraud alert text message and they wanted me to respond yes. The fraud alert message asked if I had authorized a {$100.00} withdrawal. I told the person on the phone that I should say no because I didn't authorize it. They said this was just a test, so I needed to respond yes. We hung up and they said my new card would arrive in 7 business days. 15 minutes later, Chase called me back from a 888 number asking if I had authorized multiple ATM withdrawals from local ATMs in my neighborhood. Since I had hung up with the fraudulent Chase, there had been 8 ATM withdrawals and even more attempts, which completely emptied my checking accounts. While I was on the phone with the real Chase, more ATM withdrawals were occurring until I had nothing left. As this was happening, I realized the first Chase call I received was a scam. The real Chase then cancelled my card, which I received an email confirming, and ended data sharing between my card and various platforms, which I also received email confirmation of. He then directed me to change my user name and password, giving me a temporary password to enter before changing to a new password. I did not share my new password with him. He also set up 3 verbal verification passwords with me. They said they then marked each of the ATM attempts and withdrawals as fraudulent, but before I could get my money back, their Recovery Department needed to review the claims. The real Chase representative could not give me a timeline for when to get my money back because he does not interface with the Claims/Recovery Dept. He couldn't give me a ticket number because he hadn't completed the claim. He told me to call Chase Claims Dept back in 1 day to check on the progress of my refund.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A