Date Received: 2023-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/ a {$9000.00} charge was fraudulently made using my Chase credit card. The charge was identified as fraud and reversed the same day. Chase investigated the charge and determined that another individual used my credit card to make the purchase. At that point the matter was closed. On XX/XX/ I received a letter via certified mail from XXXX XXXX XXXX, XXXX attempting to collect the {$9000.00} debt. I do not know the company, XXXX XXXX XXXX, the Attorney listed above, or the charge. I have filed a report with the US Mail service for mail fraud. I have no idea if any of the above actors are legitimate or if they are working together to defraud the general public. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I believe the following account is invalid. JPMORGAN CHASE BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following account to be removed from my credit & their records. JPMCB CARD XXXX
Company Response:
State: NJ
Zip: 08755
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: Funds not handled or disbursed as instructed
Consumer Complaint: I open an account with Chase Bank on XX/XX/XXXX online. Ive been proceeded to transfer money out of my XXXX XXXX bank account because I am currently doing a credit consolidation program and I needed to change bank so that XXXX XXXX wouldnt pull money out of my savings account. Everything was fine until my account was locked and I had to appear in a branch and give them two forms of ID to verify that it was me who opened the account which I did with no problem I even made two cash deposits as well as two ACH transfers one through XXXX and one through XXXX XXXX itself. On XX/XX/XXXX. My online banking was locked and I had to call to verify my identity which I did in. My account was unlocked that Saturday my account was locked again, and I had to go to the branch and provide my identification which I did, and I was on the phone with The fraud department for almost an hour at the Chase banking account in XXXX Maryland when I got home later that night to try to check my online banking. I was once again locked out of my account so I called Chase XXXX XXXX customer service number to get a reason why they told me my account would be closed and I would be issued a letter with the reason stating, why within 10 days. I recently received that letter, and they said that it was a fraud suspicion. Since then I have been told by two separate Chase employees that the fraud investigation has concluded in that a check with all of my funds would be issued to me. Since then, I have been given the runaround by multiple Chase employees about how this investigation is going to go as well as updates on this investigation. Once again, I called them, and I was told 10 days ago, by representative that the investigation had concluded, and that they had placed the check in the mail. Today is now XX/XX/XXXX and I called Chase to get an update on Where that check is and I was told by the rep Im sorry I miss spoke because Im in training and it is still an active investigation going on no other information was given to me and because of this, I am now left in a financial bind. I just want to know all of my options to get my finances back so I can get my life in order. This has completely uprooted my life and has placed me further behind with my bills, including my Card note, rent car insurance, medical payments, as well as other life expenses. Upon doing research I found out that I can take this to a small claims court to get this process done faster but before I jump the bridge on that decision, I want to file a complaint to see if we can get this process done faster, and I can move on with my life.
Company Response:
State: MD
Zip: 20746
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: 2023-09-28
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: When traveling an obvious fraudulent purchase was place on my Chase credit card from a store for over XXXX XXXX. When I disputed the charges Chase sided with the merchant who provided a receipt with my " signature '' which was transposed from an XXXX and even had a print out that was suppose to be from me with my own name mispelled. Chase also never sent me notifications that a purchase was ever made ( unlike every other puchase that is made from that card. ) Called the merchant and chase XXXX multiple times and the charges were never revsersed. Again this was a single purchase of cosmetics for over XXXX XXXXXXXX for product that I did not buy. XXXX XXXX is a Merchant scam. But Chase should stand behind their customers.
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Saturday XX/XX/XXXX, I was victim of theft and fraud. A person who misrepresented themselves as a representative of Chase Bank called me on XX/XX/XXXX telling me there was an unauthorized transaction in my account. This individual proceeded to then request a replacement card using my banking information and sent the debit card under my name to an address I have never been affiliated to. On XX/XX/XXXX, an unknown individual called Chase by phone and SOMEHOW transferred my entire savings account into my checking account and emptied it out within a matter of minutes. The transactions were mostly purchases with cash back of {$1000.00} at a XXXX in XXXX, Texas. I immediately opened a dispute with Chase and within 3 days Chase closed the dispute and told me the decision was not made under my favor and I should take the loss. It was Chase Bank that somehow authorized a debit card to be sent to a different address than I have registered in my account, then Chase bank activated this card without my authorization or authentication and finally Chase bank allowed transfers from one of my accounts to another by phone from a person who was not me. Chase Bank closed the dispute without doing their due diligence and investigating further how these fraudulent transactions occurred.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had a checking and savings acct with chase bank. One early morning while I was living in XXXX XXXX I got a call from chase bank asking if Im trying to withdraw a third XXXX from XX/XX/XXXX in XXXX! I said NO! Stop the transaction! They did not. They also denied my claim. Chase bank owes me {$300.00}.
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX fraudulent charges included : {$9.00}, {$49.00}, {$49.00} XX/XX/XXXX : I called Chase fraud services and filed a report, they temporarily reimbursed the funds in my checking account and said they would investigate. XX/XX/XXXX : I contacted Chase fraud services again because the unauthorized amount was charged back to my account. The person working for Chase stated they couldnt find evidence of a fraud charge as it came from an authorized digital account. I asked for more info and they simply stated they couldnt re-open the case in their system and it was considered closed. They advised me to take up the fraud charges with the merchant to reclaim the money.
Company Response:
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX Jpmcb bank XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.
Company Response:
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a savings/checking account with Chase Bank XXXX Account number, XXXX. On XX/XX/XXXX, I received an email from Chase : " Please tell us if you, or someone you authorized, used your Chase card ending in XXXX for : Declined Transaction SITEGROUND HOSTING {$440.00} XX/XX/24 '' I clicked no. My acct was immediately canceled. On or about XX/XX/XXXX I called Chase and asked them not to cancel my acct, I was told it would not be canceled and a new card was sent out on the XXXX and would arrive in 5 days. A XX/XX/XXXX chase call claimed my new card sent XX/XX/XXXX I walked into chase at XXXX and XXXX, XXXX, and spoke with a woman who didn't grasp that I acknowledged the posiblity of fraudulent charge from a company I have a history with, but that I did not want my card canceled because I had auto-pay bills, rent was due, and can you please re-instate it. She said call the number on thhe back of the card, I can not help you. I said what about him and pointed to a frumpy man who appeared angry with someone and identified himself as XXXX, the branch manager. XXXX, who was doing nothing at the time, seemed incensed I had asked for his help and got very snippy and rude and said, she told you we can not help you. He then asked what did I not understand about " we can't help you? '' and told me to leave. I walked back to the woman and said, I'm sorry, we seem to have gotten off on wrong footing, can you please give me another chance to explain my predicament I need access to my account to pay my due bills today. I explained how I already called the number on the back of my card and they said my account was reactivated and the charge removed but, my card was not reactivated. She said, let me call the number. She put me on speaker and the person on the phone explained it wasn't just the XXXX charge, but there were many more that they determined could not have come form me. I said, MANY? Then by all means cancel my card. The representative then said sorry the new card wasn't sent, we will overnite a new one and you should have it tommorrow. XXXX closed? No. When I tried to use the card on XX/XX/XXXX it was declined and i discovered all my credit cards had been canceled. I called Chase fraud immediately and was told the note on mu acct. said I was " inapropriate with a customer. '' I asked what does that mean? I am their customer. Was I rude to someone in line? She said no, to an employee. Hah, I said, does it say that employee 's naame is XXXX? She wasn't allowed to confirm that but implied I was right. She added there was no way to reactivatee your cards. This action has negatively impacted my credit and has reulted in late fees from auto-pay accounts not paid. It's my understanding they can not deny me access to my account or cancel my credit cards without reason or warning or appeal. How dare this tantrumming little man, sitting in his cubicle like a silly lump of yesterday 's ..., staring into the vacuum of his phone, throwing hissy fits and canceling people- cancel me! I want Chase Bank held accounatble. I want them to alert the Credit Rating bureaus and have my credit restored. I want to appeal their decision. And I want an appology. THIS IS WRONG! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with customer service
Subissue:
Consumer Complaint: I put a cashiers check into my account of XXXX and it cleared into the account after 13 days when it did clear they closed my account and took my money XXXX and I have been trying to get it for 3 months now I hate lost alot over this and I want my money that was wrong to do and I think it's a crime to do this to people
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A