Date Received: 2023-09-26
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On Sunday XX/XX/2023 at XXXX I was assaulted and robbed at gunpoint by two armed individuals near downtown XXXX, OH XXXX They took my XXXX, keys, and drivers license, and forced me to provide my phones passcode. Promptly after the incident occurred, I called Chase, explained to them the situation, and they advised that there were 3 pending transactions totaling {$2500.00} made through XXXX from my checking account into 3 separate accounts which I did not recognize. Chase then canceled my existing debit card, locked my account, and opened a claim on my behalf disputing these 3 unauthorized charges. A temporary credit of {$2500.00} was applied to my account on XX/XX/2023 while Chase investigated my case. The next day I received a new notice from Chase advising that after conducting their research, they determined that I had authorized the fraudulent transactions. Given that this was not the case, and that I did not authorize the charges, I called their claims department and asked for the claim to be reopened. The representative advised that I would need to bring documentation to a chase branch to have the case reopened by a private client banker. I went to my local branch with a copy of a news article pertaining to the incident, and my private client banker was able to successfully reopen the claim and had me send them a copy of my police report via email. On XX/XX/2023 I received a new notice from Chase advising that after more research, they still believe that I authorized those fraudulent transactions. I called Chase shortly after and the claims rep who answered advised that the Face ID on my phone was used to initiate the transactions, and that they were using that as their basis for me authorizing the transactions. This is inaccurate as my phone was not in my possession at the time those transactions were initiated, and I had submitted proof to Chase demonstrating such when I opened this claim for the final time. The last update I received, my claim was still ongoing but it was unlikely that I would be receiving my stolen funds. I am disappointed by how JP Morgan Chase & Co has grossly mishandled this claim since the beginning, after I provided all necessary documents including a police report and news article of the event that took place. I have access to security camera footage showing my phone was not in my possession when the transactions occurred. Not only am I dealing with XXXX XXXX XXXX XXXX XXXX XXXX that took place, but I am waking up in the middle of the night with XXXX XXXX due to the financial uncertainties stemming from this mishandling. My emotional wellbeing has been directly affected by this situation, and my XXXX that I had worked so hard to get rid of in recent years has now returned. It is my hope that Chase and I can come to an amicable resolution, by having my money returned to my checking account without wasting time and resources in court.
Company Response:
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I received a balance statement from Chase credit card which I never opened.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Someone keeps trying to open an account under my name at chase bank and they said they would investigate it this was 2 months ago and the same issue keeps happening.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposited XXXX into a XXXX at Chase Bank in XXXX, at an expected interest rate of 3.92 %, accrued over 6 months on XX/XX/23 through XX/XX/23. When I went to manage the capital and interest gained over this time- during the 10 day grace period ( after the maturity date ) - I was shown only half of the nearly {$1200.00} of interest gained was in the account in an amount of {$590.00}, despite being told ( including in writing ) that the account 's interest rate would be 3.92 %. Six months is the minimum amount of time you can have a CD for and if the % rate is half that ( 1.96 % ) over a 6 month term, it was never brought to my attention, or advertised anywhere, but 3.92 % was. The business practice is misleading at best and theft at worst.
Company Response:
State: OR
Zip: 97070
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My partner and I were traveling in XXXX. On XXXX XXXX we were XXXX and robbed in our Hotel Room. Numerous items were stolen, including my phone, watch, wallet along with credit and debit cards, NYS Drivers License, etc. While XXXX XXXX XXXX of whatever XXXX they slipped us, they managed to figure out my pin number. We were knocked out asleep for 14 hours from whatever was given to us. Once we came through we woke up very drowsy and noticed the missing items. We called the police and were sent in an ambulance to a nearby hospital. We called all our bank cards to report the stolen items. JP Morgan Chase mentioned that there were debit transactions, I told them they were not authorized. We also filed a police report, which we provided to JP Morgan Chase. I was told the transactions were considered authorized due to the thief using my pin number, even with the proof of a police report.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
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: XXXX XXXXXXXX received email from XXXX saying credit file inquiry- theres been a change to your credit file XXXX XXXXXXXX received call from JP Morgan Chase inquiring if I applied for a Chase Saphire credit card. The name given was my maiden name. I changed to my married name 2 years ago. I stated I did not apply for any credit card, and the representative said she would mark the application as fraud and reject the credit inquiry on my file.
Company Response:
State: GA
Zip: 319XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately XXXX XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( XXXX ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Company Response:
State: IL
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: To Whom It May Concern : It has been brought to my attention that { CHASE } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { CHASE } therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { CHASE } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { CHASE } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is a blanket complaint that I think will affect many consumers. XX/XX/2023. I'm trying to access my Chase Visa account online, as I do every month ; When I tried to log in to my online account today, I was told that the company had updated its disclosers and agreements and that " If you don't accept them, you won't be able to see or manage your accounts online. '' The first agreement was 125 pages. 125 pages!! Who XXXX XXXXXXXX has time to read that when all they want to do is check that a refund posted to their credit card?? The second agreement was 10 pages. This XXXX XXXXXXXX, designed to XXXX the consumer by hijacking their account from basic access until they agree to whatever terms the company randomly decided on. I don't have time to read XXXX total pages of agreements written in legalese - when all I want to do is have valid access to my account in the manner I ALWAYS access my account to check on the status of a refund. I get that terms get updated -- but forcing people to agree to something they do NOT have time to read? XXXX XXXX XXXX I submitted a complaint online, but do not have several hours to waste trying to explain this problem to a account rep who will just transfer me to several other people while they try to " figure out '' my problem. My problem is this is just WRONG -- and you are holding my account information hostage from me -- it's MY ACCOUNT. All I want to do it check a refund. But I can't see anything because of this.
Company Response:
State: NE
Zip: 68506
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I hope this email finds you well. I am writing to express my deep concern regarding the multiple overdraft fees that have been assessed on our business account, over the past few months. We value our relationship with JP Morgan Chase and have always been diligent in managing our finances, but we are currently facing some unforeseen financial hardships that have made it challenging for us to keep up with these fees. Our business, XXXX XXXX, like many others, has been significantly impacted by the economic challenges of the past year. The ongoing pandemic and its repercussions have resulted in a substantial decrease in our revenue, and we are currently not making a profit. We are actively working on reorganizing our financial situation to ensure the long-term sustainability of our business. Given our present financial obstacles, the overdraft fees have added an additional burden that we are struggling to manage. Every cent counts for us at this moment, and we believe that waiving these fees would provide us with the breathing room we desperately need to stabilize our financial situation. I kindly request that you consider our situation and grant us the relief of waiving the overdraft fees that have been charged to our account. We have been loyal customers of JP Morgan Chase for several years, and we genuinely appreciate the banking services and support you have provided to us throughout our partnership. If possible, we would also appreciate any guidance or assistance you can offer to help us avoid similar financial challenges in the future. We are committed to working diligently to restore our financial stability and maintain a positive banking relationship with JP Morgan Chase. Please let us know if there are any documents or information required from our end to process this request promptly. Your understanding and assistance in this matter would be immensely helpful to our business during these trying times. We look forward to your positive response and appreciate your attention to our request. Thank you for your time and consideration.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A