Date Received: 2023-09-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: Send at wire from my Credit Union Bank ( see attached document for information ) in the amount of {$50000.00} to a private account at Chase bank, for an investment on a multifamily unit. Chase bank flagged this as unusual activity and did not process the transfer. My bank called me to alert me. I contacted the recipient of the wire and they said that they did not have my funds in their account. At this point I called Chase to ask why they flagged the transfer, and they denied that they would do flag an incoming wire. I decided to cancel the transaction completely in case something was wrong with the transfer, since the money has not arrived at the recipient yet ( per the Chase private banker who is associated with the investment account ). On XX/XX/XXXX the wire transfer recall was initiated and I was told by chase that it would take 24 hours or less to return the funds. As of XX/XX/XXXX I have not gotten the money yet, and the recipient has not seen the money yet either. I was told by Chase that I could not have any information about the wire or where my money is. My bank told me that the money is at still currently at Chase. I have come across a lot of complaints about Chase bank holding onto these funds indefinitely and without urgency to return. I need my money back as soon as possible because I am intending to send it again.
Company Response:
State: CA
Zip: XXXXX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone is fraudulently using my information in an attempt to open lines of credit. On XXXX I was alerted by XXXX that a hard inquiry was made on my account on XX/XX/ by JPMCB which resulted in a decrease in my credit score. I did not apply for any credit. I contacted XXXX and they put an additional level of alert on my credit file. On XX/XX/23, I was again alerted by XXXX of another hard inquiry on my account by JPMCB which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from JPMCB. On XX/XX/ I contacted XXXX XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. XXXX also advised me to file a report with your agency. On XX/XX/ I contacted Security Verification at Chase Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.
Company Response:
State: CA
Zip: 94506
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Wow! Nasty trick on my Chase Credit card. Glad that I caught it... I'm sure that many will fall for it. I went to my Chase App looking for my statement balance with the intent to pay in full. Usually they will list the minimum payment due along with the full statement balance. Today, the " Full statement balance '' was replaced with " remaining statement balance '' ( full balance - minimum payment ). This would have of course led to me not making a full payment and being subject to fees and charges. I had to open an additional page in order to find the " full balance '' to pay in full. Nasty trick!
Company Response:
State: CA
Zip: 94114
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: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Please see attached complaint. Although this case was voluntarily dismissed I would like you to investigate and correct any unfairness by the banks.
Company Response:
State: FL
Zip: 33309
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: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: About XXXX months ago, I received a call from someone claiming to work at a law office. He left a threatening message saying he was about to take me to court and put a lien on my home due to back owed debt. He said he may also reach out to my employer to garnish wages. He said I owed money to a XXXX XXXX XXXX and there was an amount outstanding with interest. I had a credit card nearly XXXX years ago with that name but as far as I remember it was paid off and the account was closed nearly XXXX years ago. I checked my credit report and I have XXXX items in collections and no issues on my credit report. I told him to send me a statement with the information. It was never sent to me. Today my mother received a threatening message from someone named XXXX XXXX. Here 's the transcription " This is urgent message intended for ( MY NAME ) also known as ( MY Maiden NAME ) my name is XXXX XXXX XXXX XXXX XXXX our office has been retained regarding a pending summons and background investigation being ordered against ( MY NAME ) if no contact is establish with the issuing firm today our field agents will be dispatched to a property address and or any verified place of employment on record it is imperative that ( MY NAME ) _____________ firm today at XXXX and references for case number XXXX a failure to respond to result in an order of noncompliance and a failed ______ to ___________ phone number XXXX case number ( CASE NUMBER ) I called the phone number and it sounded exactly like the same people who were trying to contact me before. The name of the firm was called XXXX XXXX and XXXX ( this is an approximate spelling as it was said over the phone. ) I asked her for the full name of the firm and in which state the firm was practicing. The woman on the other end of the call was very irritated and said she practices in XXXX and stated the law firm 's name slowly and became aggressive. She asked me for my case number over and over again and I hung up. I believe these are the same people who did not send a statement of what was owed and because I have nothing in collections, I felt it was a scam and anything I said was going to be used against me.
Company Response:
State: WA
Zip: 98115
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: Cashing a check
Consumer Complaint: A check I sent to a client was stolen in the mail and cashed fraudulently. I submitted all of the required documentation for the claim that Chase asked me for. The representative on the phone assured me they " had everything they needed and I would hear back in 30-60 days '' I received no correspondence from Chase over the next 60 days. I called them after about 55 days and they told me that they now wanted me to resubmit the documentation because a section on their form that asked for a signature from " maker or payee '' required the payee and not the maker. They told me they had not started their investigation because the request was incomplete even though they assured me they had everything they needed 55 days ago.
Company Response:
State: TX
Zip: 76542
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: Other transaction problem
Subissue:
Consumer Complaint: I sent a domestic USD wire transfer from XXXX XXXX XXXX. The Intermediary bank is JP Morgan Chase. Apparently I entered the incorrect information into the wire and JP Morgan Chase couldn't deliver it, so instead of returning it to XXXX XXXX Bank. JP Morgan Chase just kept it. Did nothing. Nothing, so now we have to formally request an investigation and a refund of the wire transfer. There is no timeline on this. Could be 5 days, it could be 50 days. I hope it's sorted quicker but if the bank just decides to keep it in the first place do you think they're going to return it quickly upon request? To me this is theft. It's been 7 business days and Chase has done nothing with the money. It's in some spot in their bank just hanging out, earning interest for them, without any regard the the end consumer. We were going to use this money to buy a house next week. I mean my XXXX. My mistake sure, but then when you can't deliver it, return it. That's what the XXXX XXXX XXXX does when they can't deliver a letter. It's what any reasonable person would expect to happen. The routing number for Chase is XXXX. Detail Information of ACH Routing Number XXXX Routing Number XXXX Bank JPMORGAN CHASE Address XXXX XXXX City XXXX XXXX FL ZIP XXXX Phone ( XXXX ) XXXX The reference number from XXXX XXXX is Reference number XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XXXX, we received 3 text messages ( see screenshot below ) from Chase Bank that an individual by the name XXXX XXXX XXXX added as a recipient for a XXXX transaction. Our Chase account is XXXX XXXX Not recognizing this individual, we immediately called our local Chase Bank branch and they froze our account. We then went to the bank in person and met with a Representative, XXXX. He helped us work with Chase fraud and they said they would refund the money. On Weds, XXXX we followed up with Chase to see if the reimbursement was still coming. They said no, we had been denied because the login used to add the recipient was used on my phone, according to the IP address. When the recipient was added, and we were texted, I was actually holding my phone and had not logged in to the bank app recently. Any login at that time was fraudulent, as both my wife and I were at our home. Neither of us had logged in to the account. This XXXX payment was fraudulent, we never added the recipient, and never authorized the transaction, and notified Chase within minutes that it was not a legitimate recipient. We then went to the branch office and continued the fraud claim in person. We believe Chase is at fault, and should reimburse us our funds.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: . On XX/XX/XXXX, I was a victim of a scam. I received text messages from " Chase Security '' asking if charges to my card were correct. I replied no and a fraud specialist contacted me and asked that I sign into my account while on the phone and I unknowingly allowed them access to my account. I received an email from Chase XXXX XXXX XXXX Banking on XX/XX/XXXX at XXXX XXXX informing me of an outgoing transfer from my account and was provided a XXXX # to contact if I had any questions. At XXXX XXXX I dialed the number provided and was informed that a wire in the amount of {$9000.00} had been made from my account. I informed the representative that the transaction was fraudulent and asked that it immediately be recalled. I followed up on XX/XX/XXXX with calls to various XXXX and XXXX # XXXX provided by customer service representatives stating that the transaction was fraudulent. After calling XXXX Thursday, XX/XX/XXXX, I was informed that I needed to go to my XXXX in order to obtain a Hold harmless letter. I arrived at the XXXX at XXXX XXXX. After the XXXX XXXX made several phone calls I was informed that it was not a XXXX matter and that I needed to call XXXX. Upon returning from the XXXX, I called the number and was advised that the claim was being worked on and that It would take some time. Friday morning, XX/XX/XXXX, I followed up calling the XXXX # provided by the XXXX and was told that the wire was properly authorized and the claim was resolved. Chase would take no further action
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: My contractor 's email was hacked and was not notified until after I sent a wire transfer of {$14000.00} as the deposit for the work being done on my home. I verified the email, signature line, etc. was correct before I sent my {$14000.00} wire transfer on XX/XX/2023. The following bank information was provided. The beneficiary for my wire transfer was XXXX XXXX XXXX XXXX. Bank Name : Chase Bank Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Routing number : XXXX Unfortunately, Chase Bank accepted my wire transfer even though the account name was not XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, was able to recover {$4900.00}, but I'm still out {$9000.00}. Chase Bank should not have accepted the wire transfer since the account name did not match the account number. A report was filed with the XXXX XXXX Sheriffs Department : Case XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A