Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My account was apparently compromised on XXXX XXXX XXXX I received a call from Chase questioning a suspicious purchase which i denied. They ended up closing that card and provided information that a new one would be sent. I did receive this. On XX/XX/XXXX, i got a call from a XXXX number and the person identified themselves as XXXX an employee with chase bank XXXX He stated that he wanted to follow up on my recent fraud and wanted to make sure that i got my new card. He reported that there were some transactions on another account of mine that were attempted in Florida. He questioned whether or not i was authorizing these and i declined. He stated that they would need to close this account and again send me a new card. He recommended that i change my user ID and password and also change my PIN number. He stated that he would provide me with a new temporary pin to use to activate my new card which i should get in the next few business days. He asked for my old pin to verify and i provided this. He reported that they were adding 3 months of extra protection and monitoring to all of my Chase accounts and that he was assigned to this and would also be following up with me in the next few days to assure i got the new card. He called again on XX/XX/XXXX. He wanted to see if i got the new card, i said no. He requested to verify my identity and said it would be getting a text from Chase with a requested code. I got this which was under the same text chain from Chase Bank in XXXX XXXX XXXX. I gave this code to him. He reported that they were verifying all of my accounts and that i should be getting another request from chase for verification. I got a message from the Bank asking if was authorizing a {$7500.00} charge. I pushed decline and i read to him what i got on the notification. He reported that i needed to respond yes to this as it was a reverse transaction and this was a required step to verify and secure my accounts. I got a second code text from him and i again provided the code and then another request to authorize {$300.00}. i believe i got a third verification text number as well. I pushed approve. I was on hold quite a bit during this time and was checking my accounts when i noted a {$7500.00} withdrawl from my personal checking and another from my other checking account for {$7500.00}. I questioned this and he stated that this was a temporary withdrawl and it would be refunded shortly. He assured me this would be taken care of and that his supervisor would get on the line and confirm. A girl named XXXX got on the line and assured me these funds should be repopulated in my account within 20 minutes and that she would call me back to assure this was done. I was on my way home from picking my child up from school and when i got home, i looked at my accounts and noticed 3 charges to XXXX and an atm withdrawl from my savings account as well. I also noted a card replacement fee from the XXXX that was listed as well. I immediately called Chase to report this as fraud. They were able to take my claim for the atm withdrawl and the XXXX charges via phone but stated that the others would have to be filled at a branch location. I was told my account was accessed in XXXX XXXXXXXX where i do not live. I made an appointment for XX/XX/XXXX at my local chase branch. I met with a representative there and filed the affidavit for the additional XXXX claims with him. These were faxed from the branch. I closed all my accounts and opened new ones. I requested new cards. filed a police report on XX/XX/XXXX as well. I received notification of a temporary credit for the XXXX charged and my atm withdrawl the following week. I later got a credit for XXXX of the XXXX charges. I called to check on the remaining claims and was told i would need to handle this in the branch location so i made another appointment on the XXXX. They re-sent the same affidavit for the other {$7500.00} claim. I called in on the XXXX to check the status and was told to call back on Monday if i had not heard anything. I received a letter online on XX/XX/XXXX denying my claim for the three XXXX transactions. I called again on XX/XX/XXXX to check the status of the other {$7500.00} claim and was told they could not provide information and that i would have to go to the branch. I made another appointment on XX/XX/XXXX. At this visit, i spoke with a claims representative about the XXXX claim denials. He stated that because i provided my pin they could not reimburse me. I referenced the Regulation E and was told this would not fit under that. I asked to speak with his supervisior who essentially told me the same thing. I asked for written documentation supporting this decision and was told they could only provide the denial letter. I then tried to get more information on the pending {$7500.00} claim and was not provided with any information after an hour and a half. The banker stated she would try to escalate this to get more information. At this point i recieved reimbursement for the ATM transaction for {$500.00} from my savings account and the {$5.00} card replacement fee. I also have one of the {$7500.00} reimbursements but not documentation about whether this is finalized. I would like to appeal the XXXX XXXX transactions for {$1000.00} each but was not given an opportunity to do so or any written documentation as to the decision making for this. I have one {$7500.00} claim pending with no information on the status etc. when this was originally filed on XXXX XXXX XXXX
Company Response:
State: CO
Zip: 809XX
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been charged excessive overdraft fees from Chase bank. I have the overdraft protection where I am not supposed to be able to be overdrafted. However, I still have charges that overdraft my account and than the bank charges me {$34.00} overdraft fees. I have tried to have this resolved but the bank refuses to refund my overdraft fees. I was charged a {$34.00} overdraft fee on XX/XX/23 and on XX/XX/23. Again I have overdraft protection so should not be allowed to overdraft or be charged these excessive fees. I did not consent to this overdraft fees. I would like them waived and refunded to my account immeditately. These are bank errors.
Company Response:
State: IL
Zip: 60586
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: On XX/XX/23 I scheduled a transfer from my Chase savings account to my XXXX savings account. This was the third scheduled transfer to that account in the last week. For the first two transfers, I received a text from Chase to verify the amount of the transfer and I replied " yes '' that I had requested the transfer through my online account. On XX/XX/23 at XXXX : For the third transaction I received a call from someone claiming to be from Chase fraud alert, wanting to verify my identity. They called my phone number but the caller ID was just the number XXXX. They asked me to give them a code that would be sent, but I asked how could I verify their identity before I gave them any code. They could not offer any way to verify their identity so I said I would call the Chase bank customer service line myself and verify the transaction. I called Chase customer service for this purpose and found that they had locked my account, canceled the transaction and removed the XXXX account from the transfer options. I wad very upset with this and pointed out the inconvenience to me the customer to have to redo all of the steps of registering the account and requesting the transfer again which would take several days. I pointed out that their process was flawed in that me as the consumer could not verify their identity from an incoming phone call. Due to this flaw, I was subjected to emotional upset and inconvenience while I waited on hold to talk to customer service, then be transferred to fraud unit only to learn I would lose time and potential interest earnings because of their actions. They need to fix their process, no wonder the criminals are tricking consumers.
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase bank closed my personal checking account at the beginning of XXXX ( XXXX or XXXX XXXX ) without the details reason provided. When I was called their backdoor customer service agent at first, I was told that I will receive the refund check of remaining balance in XXXX calendar days ( or say XXXX business days ). There is nothing shown at the date they suggested. Then the above progress repeated when I called them, they said XXXX more week, still nothing received. When the last time I called them, they told me there is no exactly time frame for the refund this time.
Company Response:
State: NY
Zip: 11373
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Dear Officer, XXXX you every thing is going well. I am the XXXX XXXX XXXX owner, my name is XXXX XXXX.My Employer Identification XXXX. My passport number is XXXX from XXXX. Now I have a big problem I need you help. In last month XXXX I want to open a business account in Chase bank, and I asked the banker if I can get a new bank account for my company, the banker told me yes, I could have an account in their bank, and I need to close the XXXX XXXX XXXX account I opened before, make a cashier 's check and give it to them, and deposit it into the new account they opened for me. After about three weeks of processing, they still can not open my company 's account. I have now closed the XXXX XXXX XXXX account, which has had a great impact on me, although I spend so much time and energy to deal with these things, but the result is XXXX. More than XXXX dollars still pending, I can do nothing with my business, I can't recruitment staff and any payment. My company can't run as well. Best wishes! XXXX XXXX XXXX
Company Response:
State: CA
Zip: 941XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Re : Urgent Dispute with Chase Bank To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with Chase Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with Chase is XXXX XXXX XXXX XXXX. I have been a loyal customer of Chase Bank for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. In XX/XX/XXXX, I was contacted by Chase Bank regarding an outstanding debt on my account. A Chase representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from Chase Bank is nothing short of a betrayal of trust. I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by Chase Bank, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. I insist that Chase Bank correct this injustice immediately. I demand that Chase Bank takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect Chase Bank to adopt transparent and ethical practices when dealing with customers ' financial matters. Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with Chase Bank, which clearly support my claims. I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to Chase Bank from engaging in such deceitful practices in the future. I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33180
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX I received an email saying that I was approved and will attain a product change to the Chase Unlimited card. This was done without my knowledge since the product change was never confirmed with me as the purchaser of a Freedom card. After receiving the email, I called Chase at XXXX and spoke with XXXX XXXX. He told me there was no " Opt Out '' and no " Opt Back In '' for the product I originally purchased and approved for from Chase. I was told that these changes were done in batches. However, I was never notified what batch I was in and no proactive measures were taken with to see how this change would affect my finances. This is my oldest credit account and will severely affect my credit history given the product change. I expressed during my phone call that I did not apply for the Unlimited card and I have no interest in changing my product. This is not an upgrade as the email I attached states, this is a downgrade. The false narrative that I am a better product is scary due to the lack of data and information to back up the claim of an " upgrade. ''
Company Response:
State: VA
Zip: 231XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Approx. XXXX of XXXX JPMCB called me and told me that I had a credit card that had an overdue balance. At the time of which they called me I told them that I don't have one of their credit cards and still don't have one of their credit cards. They said it was me until I told them that I wanted proof that I signed up for the card and I hadn't heard from them since. Until Late XXXX of XXXX I recieved an e-mail telling me that JPMCB had put this back on my credit report. I disputed it through XXXX twice and I can't even call JPMCB because when I do their automated phone messages ask for the last 4 digits of the credit card ... .PRETTY HARD WHEN I DON '' T HAVE THE CARD!!!! I can't even contact them about removing it off of my credit. Nobody wants to help me combat the high priority corporate businesses that can ruin your credit in a heartbeat especially when this isn't mine!!! I pay all of my bills including the credit cards that I have and ON TIME! Look through my credit history! I will be contacting a lawyer if this doesn't get off my credit report! They have no business putting these things on someones credit report unless they can prove it is mine, and they have no proof that it is mine. I want to see when and where this card was used and by who's signature and/or computer, telephone, tablet, etc!!!
Company Response:
State: NE
Zip: 687XX
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX phone # XXXX called my place of employment and left a message with my employees telling them who they were and that I needed to call them back immediately. they also said it was concerning a debt. Then when I called the # back, I spoke to a XXXX XXXXXXXX XXXX XXXX XXXX ) and he said they had contacted my work payroll and wanted to know if I had gotten my XXXX yet and that I was being sued and if I didn't pay the {$6000.00}. I asked him what this was concerning XXXX he said it was a Chase card in XXXX. I told him I did not have a Chase card in XXXX, then he said oh the original acct was from XXXX! I got XXXX in XXXX and we had an old acct with my ex-husband that he was supposed to pay when we got XXXX, and he told me he paid it back then. so then XXXX tells me they have hired a process server to serve me papers the next day but if I can come up with {$3000.00} he will hold off on serving me the garnishment papers and suing me and that they will give me XXXX hrs and call me back. I told him they did not need to call my job # anymore. Today I called the # back and asked the company name and address and he said we dont take mail payments I am not giving you the address I said I need your address he said well I will note that this is a refusal to pay on your account and we will go forward with serving you and we will see you in court, I asked him why he told me yesterday he had already sent me a subpoena he said and I quote " you're full of it! " I said wow he said again we will see you in court and hung up. He then called my job # back and asked for a manager, which is me, so I got on the phone and asked what he needed, he said I need to speak to someone over you, I told him there is no one I am the manager I asked what he needed he said " XXXX ; t worry about it good luck '' and hung up! he called from the # XXXX he threatened to garnish and sue me and this is not legal! the address he ended up giving is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX
Company Response:
State: AL
Zip: 36869
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX JP Morgan Chase Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of JP Morgan Chase, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. I kindly request that JP Morgan Chase reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. I trust that JP Morgan Chase values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. Thank you for your understanding and cooperation.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A