Date Received: 2023-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 I received and email from XXXX with an invoice {$550.00}, I didn't know why because I never made any purchase. I first check my bank account and there are no new charges. So I call XXXX or the phone number on the email. The phone picks up please wait for the next available operator. Someone gets on the phone asking how they can help me. I explain and he reply 's, no problem I can check on that for you. We go through the process for a long period of time. After the entire scam process, I was out of {$13000.00}. from my Chase Bank account. My argument with Chase Bank is how the hackers got into my account to begin with and able to make my account showing withdrawals and deposits that I had nothing to do with. My other argument with Chase Bank is when I came to the bank to withdraw a large sum of money, once for {$9600.00} and one for {$1500.00} why I wasn't asked by the teller what the money was for and if I knew who I was giving it to or familiar with the business or establishment I was dealing with if any, warning me of possible potential fraud. I would think that would be a common question especially with Chase Bank or any other large bank. Chase and the teller must be aware of many different fraudulent situations occurring everyday. Myself, an average consumer with no fraud or banking experience, would not have this knowledge. It is on the financial institution to safeguard their customers money and educate them especially when customers are withdrawing large sums of cash. So I have contacted an attorney and if this cant be resolved, that will leave me no other recourse but to take the appropriate legal action along with sharing with the news media and social media and whatever other means I can find. I have attached a detailed explanation of this scam along with detailed documents and police report. Please read in its entirety so this doesn't happen to you!
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase Bank Credit card had a promotion balance transfer. I used the card for a purchase XXXX the transfer. I paid the minimum monthly required for the balance transfer AND. paid addition to covert the purchased Plus the interest occurred from the day of the purchase. Payment was applied to the 0 % balance and NOT the 21 % purchase balance. was told it was on their descression. The purchase was occurring interest form the day of the purchase so by the CARD act any over payment should go to the higher balance. IT did NOT.
Company Response:
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase bank decides to part way from me for absolutely no reason at all. I love this bank but after my account was negative for a few days which i had a deposit on the way they decide to terminate my account never letting me open a new one ever in the future.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a mobile app for my Chase Credit card and access it nearly every day to check purchases. I tried to open the app this week and found out that I couldn't access any information on my account ( via the app or on my PC ) without signing updated disclosures and agreements. The Online and Mobile E-Sign document was 10 pages but the XXXX XXXX agreement was 125 PAGES LONG. I called the company to complain - I wasn't going to sign it without reading and 125 pages is overwhelming. It's unreasonable to expect anyone to read it. I was told that I would have to agree to both documents to access my account information and there was nothing that could be done. I replied that it seemed they could have a shorter agreement and received no response. I then requested that they cancel e-access to my account and start sending paper statements and notified them that I was discontinuing future use of this card. Since then, my husband and I applied for two other credit cards- one had disclosures of only four pages and the other had a disclosure that was 10 pages. I am a reasonably intelligent person with an advanced degree. I think this requirement is outrageous - how many people will just check the box without knowing what they are agreeing to?
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Someone tried to apply for a credit card on XX/XX/XXXX in my XXXX married name of XXXX. I need to know how I go about getting this removed. And flag my account please.
Company Response:
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance to the fair credit reporting act this creditor has violated my rights under 15 usc1681 section 602 states I have a right to privacy 15 usc 1681 section 604A it also states a consumer reporting agency can not furnish an account without my written instruction.Under 15 usc 1666b a 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: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX Chase closed my checking account ( account number is XXXX ) on XX/XX/XXXX and withdrew all my money on XX/XX/XXXX. Chase promised me that I would receive a money check with all my money in 5-7 business days. After one week, they told me that the check should be mailed out. Without receiving anything, on XX/XX/XXXX, I called Chase but they said there might be some investigation going on which hinders their returning my money. As an XXXX XXXXXXXX, I put all my money for my tuition fees and living expenses in my Chase checking account. I currently don't have a job and that was all my money. Now, they told me that they don't guarantee returning my money. And they do not offer further info or help. They simply let this poor little XXXX, living in an alien country without any family, die due to no money. Definitely, my family in XXXX is working class in a small town, and they are not able to send me the tuition fees twice! I feel helpless and don't know how to live in this world.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX, I received an email from Chase Bank ( where I have one credit card account in good standing since XXXX and had a previous car loan account that has been paid off ) with the following message : -- -- Thanks for requesting a new credit card! We'll review your Chase Sapphire Preferred credit card application and be in touch soon. -- -- This message came from Chase and was not a fraudulent email This was the address : XXXX. I never submitted an application for a new credit card, nor was I looking to get that particular card or any other from Chase. Obviously, only Chase could have initiated this fraudulent application since they sent the email to the address I have provided for my account. Thus, I do not suspect anyone else was trying to submit an application for a credit card. Additionally, all of my credit bureau reports are frozen and locked at the moment so I would have been notified if anyone else had inquired about a new credit account. Chase has been quite aggressive after we finalized paying off our car loan earlier this month. They have increased the emails and offers sent to me but this is an absolute fraudulent application.
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from JP Morgan Chase and another from XXXX XXXX. I called XXXX XXXX to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.
Company Response:
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A check for {$1300.00} was stolen and fraudulently signed/cashed on XX/XX/XXXX. I filed a claim with Chase bank as soon as I noticed ; the first bank did not even properly submit my claim. Then had a series of 10+ phone calls explaining the blatant fraud, including a picture of the check with the forged signature. It took months but I finally received " Reimbursement for Customer Check Claim '' in the amount of {$1300.00} on XX/XX/XXXX. The process was awful with no communication and far too much time spent reaching out to Chase Bank over the phone and in person. My file with them should reflect my displeasure. On XX/XX/XXXX, {$1300.00} was then taken out of my account from Chase Bank. I have not received the same explanation any time I have asked. The answers included : -This will be resolved in 2-5 business days ( it has been 2 weeks ) -This is standard process, we need to take the money back, sorry. No further help. -We made a mistake, this money should not have been taken out, let me look into this. -Normally if it is over a year the other bank is not responding and it means you will not get your money back. Obviously, any consumer will not accept being out {$1300.00} and the fact Chase Bank is denying me my own money despite my efforts has caused me to file this complaint. It is the most blatant case of a fraudulent check being cashed possible and I depend my own money back. Please reach out to me should you need any paperwork or further proof of my claims.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A