Date Received: 2023-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dates : XX/XX/XXXX Amounts : {$700.00} from one checking account and {$1200.00} from the other, each done in individual {$100.00} withdrawals. 19 in total. The company sent a fraud alert to my phone that same day asking if I wanted to close that card due to fraudulent activity. I said yes. I have photo records of this. They did not close the card and continued to let activity happen on it. Chase representatives wouldnt tell me how the investigation was conducted but stated that they have ways of determining that a card was used. Chase representative at the bank said there is no way to copy a debit card from them. I have read several articles that say otherwise. Chase representatives refused to tell me the location of the ATMs Chase representatives required me to provide proof that I did not make those transactions but stated that they could not specify what proof would be sufficient I escalated the matter with Chase and the representative told me as the first line that he had already decided he would deny the claim and there was nothing or no one else I could talk to. Then he hung up.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have a mortgage with Chase, loan number ending in XXXX. I took out the loan with Chase when I first bought my apartment in XXXX XXXX in the year 2005. My apartment is unique in so far as my building at XXXX XXXX XXXX is a land leased building. The holder of the land lease is the XXXX XXXX XXXX XXXX, which has the lease in all buildings in the area known as XXXX XXXX XXXX. To clarify, my building does not own the land that the building is built on. And because of this the individual owners in the building do not pay taxes directly to the New York State Department of Finance, the DOF it is the XXXX XXXX XXXX XXXX that deals directly and pays the required taxes for the building.the XXXX XXXX XXXX XXXX collects the tax money from the managing agent for our building who bills the unit owners for the tax money monthly through the maintenance payments. It has come to my attention that Chase has opened an escrow account for my mortgage and has raised my monthly payments on my fixed rate mortgage. When I closed in my mortgage loan I specified not to escrow my taxes for obvious reasons and that is I dont pay taxes directly to the DOF , Department of Finance . I called Chase and they told me that the DOF Department of Finance contacted them and told me that my tax payments were coming up short and that they wanted the outstanding balance. I asked Chase to tell me who at the DOF told them about my taxes or how did they get notice from the DOF, Department of Finance concerning my taxes and the fact that I owe money on them, Chase could not tell me this information. This is clearly outrageous and I want my monthly mortgage payments to be what my loan agreement specifies. Chase apparently has no accountability to anyone.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I still need credit card agreements in effect at account opening for each of my 4 credit card accounts. Multiple requests for such agreements has been made and nothing received.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am an XXXX XXXX XXXX widow and have done my banking with Chase Bank on XXXXXXXX XXXX XXXX XXXX in XXXX, Arizona for many years. On XX/XX/2023 I took a check I had received for {$2600.00} to the above mentioned branch to deposit into my account through their ATM. The PIN number rejected, so I took the check and my debit card inside the branch. I explained what happened to an employee ( XXXX ). Because this branch does not have a teller line, only ATM access, I handed him my debit card and my driver 's license. He looked up the account on the system and either neglected to verify or didn't notice. that the name on the debit card and the account belonged to someone else. Rather than bring to my attention, he had me reset the PIN and then instructed me to make the deposit, which I did. ( He later told his manager that he was overwhelmed that day and felt rushed. ) Imagine my shock the next day when my friend XXXX called my home to tell me that my deposit was in her account. We had recently met for a meal and paid our own bills separately. XXXX also banks at Chase, and the waitress had given me her debit card back instead of mine. My friend immediately contacted the branch ( XXXX ) and informed him of what occurred and I also contacted the branch and explained the mistake. The Chase employee told me he would correct the deposit to my account and it would show in a couple of days. Today is XX/XX/2023 and I still don't have the funds in my account and had an appt to meet with the branch manager. I took with me a neighbor who is a retired XXXX XXXXXXXX familiar with the CFPB and regulations. When we met with the manager, XXXX XXXX, my neighbor XXXX XXXX XXXX ) explained she was with me to help understand why Chase had not following Reg E procedures regarding incorrect or or mis-posted ATM deposits. XXXX XXXX stated because they ( Chase ) felt the check was fraudulent, they ( Chase ) were not required to follow Reg E procedures ( which also included provisional credit until the issue could be resolved ( up to 45 days ) She admitted that the employee who reset the PIN on the card should have realized when he accessed the account the difference in names. Since the deposit was made on XX/XX/XXXX, XXXX asked if the bank had received notification from the bank the check was drawn that the account did not exist, or was returned for insufficient funds. XXXX XXXX stated Chase had not been notified, but chose to return the money back to the company that issued the check to me. She also refused to give me a copy of the imaged check that was made to me so that I could call the bank and see if it was valid. She recommended I call the company and ask them to send us another check which is not acceptable, since Chase returned the money without my knowledge. XXXX XXXX had no further comment to make ; according to her the matter was closed. My neighbor XXXX XXXX told her that in her opinion, Chase violated REG E procedures/processes, did not notify me within 10 days of their " investigation '', did not provide provisional credit, and that she was recommending I file a complaint the with CFPB ( which I am now doing )
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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: XX/XX/2023 Chase Dispute Center Dispute XX/XX/2023 XXXX XXXX {$2600.00} Let me outline why I am disputing this charge : 1. XXXX XXXX at phone number XXXX as identified on the original credit card charge is no longer the company as named but is now calling themselves XXXX XXXX XXXX. I found this out after googling the phone number 2. When this entity contacted me originally they were selling me a two year subscription for my XXXX XXXX XXXX. A software that I have used for many years. 3. Approximately a month later I contacted XXXX XXXX, the legitimate company, to ask why my software updates were not occurring, and they indicated to me they have absolutely no association with the entity that contacted me, and secondly XXXX does not offer two year subscriptions. 4. I have NEVER received and goods or services or software from the XXXX XXXX company that processed the fraudulent {$2600.00} charge on my Visa. I also never received any kind of communication or receipt from this entity. They obviously scammed people into thinking they are the legitimate software company. 5. I continue to attempt calling XXXX to follow up on my conversation with XXXX in their offices who indicated a month previously I would be getting a refund. I have texted through their website, with no response, Ive attempted calling the XXXX number indicated on their website with no answer. Ive left messages, with no response to date. Thank you.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 I received an alert from XXXX stating that my credit score has decreased and that an inquiry was made from JPMCB CARD SERVIES ( known as JPMorgan Chase Bank ). I then contacted them to investigate on this inquiry in which I was told by them that someone accessed my chase account and applied for a credit which was approved on XX/XX/2023. The rep advised me that although the account was opened the card had not been sent out yet so she was able to close the account in time. The rep was also able to confirm that the Checking/ Saving account I have with them is still secure but I was still able to change the password on my account as well as add a voice authenticator passcode incase I call to access my account over the phone. My SSN was stolen a few years back and I am nervous to think that I am now vulnerable to this happening again but this time with another company which will impact my credit score even more.
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these companies to run credit, this is fraudulent.
Company Response:
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Approximately 10 days ago my wife received a letter from Chase Bank telling her she was declined for a credit card. It was her correct name - including middle initial - but the credit score they showed was not hers. I called Chase, gave them her SSN and info and they said they couldn't find anything with her info in their system. Last night I was checking my credit reports and found hard pulls by JPMCB CARD SERVICES. I called Chase this morning ( NOTE : If you do not have a CHASE account it's almost impossible to get a human there, let alone someone in fraud since all avenues of communication are blocked by " please enter your account number now '' prompts ). They DID locate a card application using my information. When pressed as to why they sent the letter to my wife he could provide no information or explanation. When asked why they did not contact me about the fraudulent application he could provide no explanation other than " we do contact via phone and email ''. I asked how he could do that when I didn't apply nor am I a customer he could give no explanation. Something isn't right at CHASE. They clearly processed a card application with my SSN and my wife 's name and address. That should be a red flag right away. Also where exactly did the low credit score on her rejection letter come from? Also the representative that I spoke to said he " cancelled the pending application '' - so what application was declined with my wife 's info? He also said they've received a lot of complaints about fraudulent apps for this card - so again, why was I not notified. If I hadn't checked my credit reports I would have never known about this. At best they are horribly sloppy with PII and customer data. At worst they simply don't care and are willing to deal with a certain amount of fraud. My concerns now are they have my data, my wife 's data ( and somehow have those mixed up ), and the 3 hard pulls on my credit reports. The rep said they would contact the credit bureaus to have those removed but could give no timelines.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was contacted by XXXX around 6 months ago with a 0 % balance transfer offer. I accepted it and was told that I would not be charged interest on the balance. I was charged 5 times for the following amounts : {$79.00}, {$100.00}, {$140.00}, {$120.00} and finally {$340.00}!!! On the phone the case was accelerated to a supervisor who said she couldnt undo the charges as my timely payments were applied to my 0 % balance transfer not new purchases!!! They offered no solution other than to say they were logging a complaint with no reference or phone number to call. They were rude and dismissive over the phone and refused to take responsibility for the incorrect information that was shared with me upfront.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have attached a PDF file detailing the fraudulent history with specific dates and amounts as well as the numerous fraud reports opened with Chase and the specific police report file we have opened with the XXXX, TX Police Dept.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A