Date Received: 2024-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Company is used used as a payment gateway ( credit card processing ) for registrations my businesses I receive from regfox.com. In XX/XX/XXXX I was contacted by WePay support indicating to update bank account information because deposits were being declined. Through communications with WePay support it was determined that my bank account ( XXXX XXXX XXXX ) was changed without my authorization on XX/XX/XXXX to a Chase account and all monies from that time until XXXX XXXX were fraudulently routed to the account instead of the correct, XXXX XXXX XXXX account where I received deposits without issue since using WePay 's services. I have documentation from WePay support on XXXX asking me to reverify my identity and banking information. This was done as requested and on XXXX I received noti cation from WePay that they were successful in verifying my identity and correct banking information. After that veri cation from WePay that my account was in order, I continued to receive regular email noti cations that monies were being deposited in my account. It was not until I received the noti cation from WePay in XX/XX/XXXX that I was aware that no money was being deposited into my account. The total amount of fraudulently diverted money is ~ {$100000.00}. The exact amount missing is still being calculated.
Company Response:
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking and savings account with Chase Bank in XXXX of 2023. They were advertising a promotion to receive an account-opening bonus if you met their qualifications within 90 days of account opening. The total bonus promised was {$900.00}, after meeting direct deposit and balance requirements ( maintain $ XXXX in savings through the 90 day period ). After the qualification period ended, I noticed that I had not received the first part of the advertised bonus. I went into the XXXX, GA XXXX XXXX XXXX and spoke with a representative who was able to research and find that Chase had an internal issue with the code that was applied when opening the accounts. They admitted that they'd experienced this issue/glitch with multiple customers and that the issue continued to impact others that opened accounts through their online channel. I was told that the code was applied ( in XX/XX/2023 ) and that the bonus would be paid as initially promised. After more time went by, there was still no bonus paid. I went into the branch and spoke with a representative about my concerns, who had their manager call me later ( with no progress made ). I also spoke with several people through their XXXX number who told me that I would have to wait 90 days from when *Chase* manually applied the coupon code on their system. This is not what I agreed to when I opened the accounts and I am unable to move my funds until their 90 period ends. My money has been tied up there for months and they have failed to follow through on their promise. They should make this right, immediately, and pay interest that I could have been earning in a better account with a bank who does right by the customer!!!
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The Chase charge off that's on my credit report. I had my attorney send letters asking them for the original application for that account showing that I personally guaranteed for the XXXX Credit Card, banker stated to me it was a no XXXX XXXX credit card. The bank did not respond back to what we had asked for.
Company Response:
State: CA
Zip: 91384
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I cashed a third party check endorsed to me in to my chase account, and the money got hold, its been 10 days + and I still dont have the money, they said that the check is being verified and I have to wait till the XXXX, and thats what I did, and the same thing, my account is restricted now, and its going to close, I really need the money, Im going to be evicted of my apartment, this makes me really frustrated, the only answer I got is, to verify with the maker, and they dont have a verified number, Im really worried
Company Response:
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX, XX/XX/XXXX between the hours of XXXX - XXXX XXXX in the afternoon XXXX I went to the ATM to deposit my money from Workman 's Compensation at the CHASE BANK on the corner of XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX California We counted out the money and then went through the process to deposit. The ATM took the money and the machine ( ATM ) began to roll around and around and in about a minute a message came up that there was a problem with one of the bills and so we waited for it to return the money. The ATM continued to roll and grind and then suddenly the machine shut down taking the money but not issuing a receipt. I panicked and tried to call the CHASE customer service which was closed. I stood there crying at the machine hoping and praying that the money would show up and be on my account but nothing happened. Another CHASE customer came by and wanted to use the machine however I was standing there crying and she assured me that CHASE would be able to see that the deposit was in fact made and that they have VIDEOS and CAMERAS that will show our transaction. I've called filed a claim, I've gone in and spoken with the Bank Manager and they tell me that they DO KNOW that I attempted a deposit but never made it. They say that they didn't find an extra {$300.00} which was XXXX XXXX XXXX DOLLAR BILLS. I asked for them to look at their videos and cameras which they told me they don't do. What!?!?!?!?!? If the bank had been robbed or an incident happened at the ATM they would easily pull up the camera. We STOOD THERE COUNTING the money out before it was put in the machine. I'm out of {$300.00} very much needed and depended on money because they aren't doing their due diligence to locate it. How do I know what happened after the OTHER SIDE employee emptied the machine. Please for life 's sake help me here. CHASE doesn't care. Best always, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently discovered that JPMCB-CARD SERVICE has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. JPMCB-CARD SERVICE has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. JPMCB-CARD SERVICE has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations. As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Furthermore, I have not received a Form 1099-C from JPMCB-CARD SERVICE , which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines. This form is crucial for accurately reporting taxable income. I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I paid a chef to cook for XXXX and she basically never came and I have yet to receive a refund from her. The amount was ( XXXX ) {$250.00} transactions with square totaling to {$500.00}. I disputed the transaction once she stop responding to my request for a refund on XX/XX/23. On XX/XX/23, chase denied it stating it was valid although I sent supporting documents showing the person apologized and offer me a refund that didnt happen.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account is linked to XXXX XXXX to pay my phone bill monthly. In XXXX, {$170.00} was deducted from my account XXXX times for the same bill. Upon noticing this, I contacted the bank to report the unauthorized transactions, and they advised me to reach out to XXXX XXXX for a refund. Despite contacting XXXX XXXX, they insisted the funds were properly dispensed. I don't have a XXXX XXXX card, and the deducted funds aren't accessible on XXXX XXXX. My phone company was not overpaid. I informed the XXXX XXXX XXXX XXXX 's response, but they claimed there's nothing they can do. Despite multiple calls, the bank hasn't resolved the issue, and my funds, protected by FDIC, remain inaccessible. The bank 's failure to safeguard my funds and address this issue is concerning, as someone fraudulently withdrew money from my account, and the bank has yet to rectify the situation. The claims manager whose name is XXXX was extremely rude and unprofessional, when I asked her about the status of the dispute, she simply told me that an executive decision was made and a refund will not be issued. I asked for evidence of the investigation and she hung up on me. I called multiple times and I have attached the log in the screen prints below.
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My application for credit was declined based on what their employees called the " Solid XXXX '' rule. Meaning XXXX or more new accounts in the last 2 years, is an " instant denial '' for a new line of credit. This being a specific practice of theirs, was not posted anywhere on their application, nor terms of the application. I contacted Chase Bank on XX/XX/2024 and was escalated to their review team, seemingly to resubmit my application which I did not want to do. They provided no path for me to escalate the matter that I was completely mislead in their application process. Again, had their specific " XXXX '' rule been posted even in the terms and conditions of their application, I would have avoided applying. Because of this new hard inquiry that could've been avoided by posting the actual terms of a credit application, I am now not likely to receive lines of credit from any other financial institution for up to 24 months, or longer. I will certainly not be able to do so with a satisfactory interest rate.
Company Response:
State: WI
Zip: 54301
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A