Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit alert on XXXX XXXX informing me that JPMCB has a hard inquiry on my report, when I didn't apply for anything on this matter I was sleeping and the report appeared. On XX/XX/2023 At approximately XXXX On a personal note I don't deal with Chase bank anymore.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a promo code from Chase that I can get a {$900.00} bonus if I open a savings and checking account in Chase and meet the criteria. The term was : opening a checking account and having a direct deposit within 90 days to get {$300.00}, opening a savings account, and keeping a minimum of {$15000.00} balance for XXXX months to get XXXX, once these XXXX are met, I will receive another {$400.00}. I was able to receive a bonus of {$200.00} from the savings account. However, for the checking account, I double-checked with the person who helped me open the accounts, and he confirmed that an IRS direct deposit can be counted as a direct deposit. Besides that, I called Chase customer service right after I opened the account, right before the 90 days, and a few days after the 90 days. All I got from customer service was that my direct deposit from the IRS should work. However, when I called the third time, the bonus information disappeared from my checking account. Then I went to the branch where I opened the accounts. I was told IRS direct deposit might not count, and they need to escalate the issue. Later, after a few calls, I was told IRS direct deposit would not be considered as a direct deposit for the bonus. Because of the wrong information Chase employee and customer service gave, I lost {$700.00}.
Company Response:
State: PA
Zip: 15213
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone from " Chase Bank '' texted me asking if I approved transactions ( {$1300.00} and {$9900.00} ) and I texted back NO. The number that texted me was ( XXXX ) XXXX. Then I received a call from ( XXXX ) XXXX to dispute the claim. The individual on the phone asked if I had made these transactions and I said no. They then sent me a link asking me to log into my Chase account ( which I did ) and then asking for information such as my address, pin, birthday etc. I logged into my account and then when I got to the next page asked how was I sure this is really chase. They said I could be sure because the website said chase. I then asked if I would get my money back because I don't have $ XXXX. They immediately hung up before I could add in my information to the site. I went to my chase account and changed my username and password as soon as possible. I also called Chase and requested a new card.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone tried to open a Chase Freedom Credit card using my I formation on XX/XX/2023. The card was declined. I received a notice that my credit was pulled from XXXX and chase the next day.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/23, I received an email from Chase thanking me for requesting a new credit card. I did not request a new credit card. I checked my XXXX account, and found an inquiry for JPMCB card. I contacted XXXX to dispute the inquiry, as I did not request it. They said they would flag it as fraud and my report should be updated in 24-72 hours. They told me to contact Chase and have them flag it as fraud. I called chase and was told there was no account with my SSN to flag as fraud and to call back in a couple days, and if there still wasnt an account open to call back in a couple weeks, and if there still wasnt an account open to call back in a month, etc. seemingly for eternity. XXXX also told me to go to ftc.gov and file a police report so that is what I am doing right now.
Company Response:
State: MA
Zip: 02132
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: As far as I know the issue is happening because I deposited a check that was fake which I didnt know was a fake check as someone was trying to scam me.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Today, I am writing this complaint to JPMCB AUTO regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My husband, recently deceased, had a Chase XXXXXXXX XXXX XXXX XXXX and, as his spouse was an authorized user on the account. In XX/XX/2023, I used the card and rewards at a hotel in XXXX XXXX, Nevada. Shortly after, XX/XX/2023, I notified Chase of my husbands passing and they suggested theyd transfer the XXXX membership to my name and I should apply for a Chase XXXX XXXX XXXX in my name ; which I did around XX/XX/2023, and they would close my husbands account. On XX/XX/2023, I received an from Chase thanking me for verifying receipt of my credit card ; which I had not verified or received as yet. I called Chase and explained the situation. They discovered that another Chase XXXX XXXX card that I had obtained a few years prior and never used, had several fraudulent transactions totaling {$330.00}. Also, the verification of the card that I had not received was the replacement for the original Chase XXXX XXXX XXXX ; which was also fraudulent since I had never requested a replacement card. Charges were dismissed and the Chase XXXX XXXX XXXX was closed. I began having obvious Identity Theft problems with other accounts after the initial issues with Chase. I activated XXXX Alerts and a Freeze on all three Credit Reporting Agencies. On XXXX XXXX, 2023, I was notified of an attempted fraudulent transaction on my new Chase XXXX Rewards Card. I called Chase to report the fraudulent activity and update my phone number on the account. I was told someone would call me in XXXX hours. No one ever returned my call. I called again on XXXXXXXX XXXX XXXX and told again someone would call in XXXX hours.no one called. Received an alert on XXXX XXXX XXXX asking if I had contacted Chase about changing my security questions ; which I had not done. I called Chase again and the Representative was rude and belligerent to me; informing me that I had kept him on the phone for XXXX minutes with a problem he could not handle. Again, I was told someone would call me in XXXX hours. On each phone call, I asked each representative to just close the account, but was told no because they couldnt confirm my identity. Received another alert on XXXX XXXXXXXX XXXX from Chase of a fraudulent transaction attempt. XXXXXXXX XXXX 2 more fraud alerts on the Chase account. I still never received a call back to verify my new phone number and my identity. I called Chase and after putting in the account number, a recording said account had been closed due to security reasons. On XXXX XXXXXXXX XXXX, I received a new Chase XXXX XXXX Card in the mail with the same account number that had been closed on XXXXXXXX XXXX XXXX XXXX which I had not requested On XXXXXXXX XXXX XXXX ; since I was getting no help from Chase Representatives on the phone, I drove XXXX miles round trip to the closest Chase Bank branch to my home. I asked to speak to someone in the fraud dept. and was escorted to an office. The employee looked my name and info up and confirmed that all accounts have been closed. I re-iterated that I didnt want another card or account in my name. I am a victim of identity theft and I have a freeze on my credit reports. She assured me it was done. On XX/XX/2023, I received a letter from Chase thanking me for requesting a copy of my new credit account agreement. A new account had been opened AGAIN in my name. I called the phone number on the letter and informed them XXXX had nit opened this account. He said he would close it immediately and report to their fraud dept. I would like this harassment to stop and for Chase, JPMCB and Chase XXXX Rewards to honor the fraud alerts and freeze that are on my credit reports. This is causing a great deal of stress and uncertainty to me as are recently widowed person who has enough to deal with.
Company Response:
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I received an Amazon/Chase Bank credit card in the mail with a {$6500.00} limit ready to be used after I would call to verify the card, I did not request or sign up for this card I do not do any business with Chase or Amazon and never have. I checked my credit inquiries and see there was a Chase bank inquiry done on XX/XX/XXXX that was not from me so I suspect fraud, it is marked as a hard inquiry and would like it off my credit especially since I have not has a hard inquiry since XXXX XXXX. I called the phone number on the card from Chase to close the account, the initial person on the phone after telling them I had suspected fraud was trying to convince me to keep the Amazon/Chase card and was telling me all about its benefits, I told them no thanks just close it, they quickly said ok and basically hung up on me, after another call later in the day yesterday XX/XX/XXXX I spoke to someone else to make sure it was closed and they said it was. The odd thing about the second call to Chase since I have never done any business with them is they had asked to verify my mothers name to verify it was me on the phone, I gave them my mothers maiden and they said that was correct. I am not sure how they would have or know that since the only answer to that question I have ever given to is my other bank card, with XXXX XXXX XXXX XXXX and on my XXXX account I use for credit reports/taxes.
Company Response:
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Please note, I used these XXXX to separate paragraphs because all of the text was slammed together. Thank you. XXXX The nature of my complaint is complicated and I will do my best to be brief in this description, however, I have a lot of supporting documentation to provide to you. I also filed a complaint with the FDIC. XXXX Complaint : CHASE BANK FAILED TO NOTIFY ME OF FRAUD THEY DETECTED IN MY ACCOUNTXXXX I spoke to a few attorneys and they all believed similarly that my complaint is valid and that even though Chase Bank and I share some responsibilities with respect to this complaint, they believe that Chase was negligent in how it responded to the fraud they detected on my accounts and that Chase did not protect my accounts, my family and me. The attorneys and I believe Chase did not alert me swiftly, nor did they protect me once they noticed extremely unusual and inconsistent banking behavior on my accounts. Specifically, over 30 disputes/chargebacks, for in excess of {$35000.00} were filed within a 4-5 day span and Chase did nothing more than send a passive notification letter that is buried deep within their digital platform, something that is not called out even upon immediately logging into the Chase App. In over 10 years with Chase bank, we have never filed a dispute or chargeback on any of our accounts. Chase did nothing to mitigate the damage when their letters indicate that as of XX/XX/XXXX, they knew that abnormal account activities were occurring. XXXX The following is a timeline of most of the events which began on or around XX/XX/XXXX, and includes but is not limited to information from an affidavit I provided to the XXXX which was required by Chase before they opened their own internal investigation, which of course, led to them finding that they were not liable in any way. : XXXX 1. XX/XX/XXXX : suspicious activity ensues through online logins on Chase.com or Chase appXXXX XXXX XXXX XXXX : approximately 30 false claims are made against past purchasesXXXX 3. Twelve ( 12 ) remote online deposits are made in the amount of {$190.00} ; all checks had the identical back sides with identical signatureXXXX 4. Eleven ( XXXX ) remote online deposits are made in the amount of {$170.00} ; all checks had the identical back sides with identical signatureXXXX 5XXXX XXXX XXXX XXXX Chase denied a claim made for a transaction for {$1000.00}. We were notified passively through an obscure area in the Chase appChases first acknowledgment of suspicious activityXXXX XXXX. XXXX XXXX : XXXX XXXX deposit is made in the amount of {$2000.00} by XXXX XXXX XXXX XXXX. XXXX XXXX : Date on first letter from Chase acknowledging Altered/Ficticious check depositsXXXX XXXX. XXXX XXXX : multiple transfers and payments are made to XXXX XXXX to the purported company " XXXX XXXX '' - I still have credit card info and phone numbers from them and neither the XXXX nor Chase requested them. XXXX 9. XXXX XXXX : multiple transfers and payments are made to XXXX to the purported company " XXXX XXXX '' - I still have credit card info and phone numbers from them and neither the XXXX nor Chase requested them. XXXX XXXX. XXXX XXXX : Chase denied/prevented XXXX XXXX payments XXXX XXXX XXXX for {$820.00} and $ XXXXXXXX XXXXXXXX. XXXX XX/XX/XXXX : While traveling and caring for my wife 's XXXX and XXXX XXXX, we discovered that there were a bunch of false claims and suspicious activity on our accounts. I called Chase Bank and instructed their fraud department to stop all claims that were being made against any past purchases to mitigate the problem. All Chase login credentials were changed. XXXX 12. Chase Bank made little to no attempt to protect us from the multiple false claims being made against our past purchases and did not notify us proactivelyXXXX 13. Chase Bank did not contact us regarding said extremely suspicious/unusual banking behavior. XXXX XXXX. XXXX XXXX : I went into the Chase branch at XXXX XXXX XXXXXXXX and was told nothing could be done. The branch manager literally said " I'm sorry, there's nothing we can do. It happened to my dad too. It's a shame. " XXXX 15. In the ensuing days, we received numerous letters from ChaseXXXX 16. XXXX XXXX : I went into the Chase branch at XXXX XXXX XXXX and met with XXXX XXXX who proceeded to help us file numerous claims with Chase Fraud Dept. and she changed three compromised account numbers. XXXX XXXX acknowledged there was fraud and extensive suspicious activity on our accounts. XXXX 17. XXXX XXXX : Debit card ending in XXXX was compromised and closedXXXX 18. XXXX XXXX : Second meeting with XXXX XXXX at XXXX XXXX XXXX branch. During this meeting I spoke with Chase fraud dept and they effectively told me they could only make notations on the claims in question and that only the back office dept. could help us. However, there is no way to speak to the back office. XXXX XXXX again acknowledged there was fraud and extensive suspicious activity on our accounts to myself and my wife. My wife accompanied me to this meeting where she changed one of her account numbers as well. XXXX 19. To date we believe we are owed a total of {$17000.00} from Chase Bank. XXXX a. {$4300.00} from fraudulent checksXXXX b. {$2000.00} from a fraudulent XXXX XXXX XXXX {$7200.00} in false claims against account ending in XXXX d. {$3200.00} in false claims against account ending in XXXX e. {$660.00} in false claims against account ending in XXXX This is the best summary explanation I can muster at this time and am happy to elaborate and/or explain any further and answer any additional questions.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A