Date Received: 2023-09-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Timeline XXXX XXXX, XXXX I wrote a check payable to the US Treasury/IRS in the amount of {$28000.00} for a federal tax payment. I placed the check inside a stamped security envelope and placed the envelope in the USPS mailbox in front of XXXX XXXX XXXX, FL post office at approximately XXXX XXXX. I made a copy of the check and the payment receipt before they were placed in the envelope. XX/XX/XXXX XXXX to me, the aforementioned check that I wrote payable to the US Treasury/IRS for the amount of {$28000.00}, was stolen, altered, and presented for payment to a XXXX XXXX XXXXXXXX individual account holder. The check was altered by changing the payee name and memo notations. Portions of the Pay To The Order Of line were erased when the check was washed. Chase bank erroneously deducts the {$28000.00} amount from my account in payment of the altered fraudulent check. The {$28000.00} amount leaving my account does not alarm me as I was expecting the IRS to cash the check. XX/XX/XXXX A second fraudulent check in the amount of {$25000.00}, payable from my checking account, is deposited at XXXX XXXX XXXXXXXX. This check is not the same design as my personal checks. It appears new checks were created with my personal and checking account information. It further appears my signature was scanned from the original IRS check and imprinted on this second check, although the penmanship detailing the payee, {$25000.00} amount, and notations is clearly not mine. According to my Chase bank account records, Chase pays this check despite the check being of a different design as my checks. XX/XX/XXXX I receive a low balance notice message on my phone. I reviewed my account records on my phone and noted that the last transaction was a check for {$25000.00}. I viewed the check and immediately determined it was fraudulent. XX/XX/XXXX XXXX XXXX I immediately called Chase bank to report this, froze my checking account, and made the claim for the {$25000.00} amount. I then went online to examine my banking records, and within the hour, I discovered the first fraudulent altered check for {$28000.00}. I called Chase bank again to make a claim for the {$28000.00} amount. XX/XX/XXXX XXXX XXXX I went in person to my Chase Bank branch at XXXX PM, and with the assistance of a Private Client Banker, prepared and filed all required documents for both claims seeking reimbursement. I provided copies of the original US Treasury/ IRS check and the two fraudulent checks. XX/XX/XXXX- I went in person to my local police station and filed a police report. Within the next week or so, I filed a second police report in the town where the check was presumed stolen. XX/XX/XXXX The amount of the second fraudulent check ( {$25000.00} ) was redeposited into my checking account as a reversal. XX/XX/XXXX Chase Bank closed the checking account on which the fraudulent checks had been paid, and opened a new joint checking account. XX/XX/XXXX I received correspondence by mail from Chase bank dated XX/XX/XXXX acknowledging my claim and requesting further information on my claim. This requested information had, in fact, been provided the previous day on my visit to the branch. Thus, I enquired with branch personnel to see if I was required to resubmit the information already provided and she informed me that Chase had submitted all of the information and documents I provided the previous day. XX/XX/XXXX I received correspondence dated XX/XX/XXXX informing me the second check for {$25000.00} had been returned as not paid from my account. XX/XX/XXXX I filed a report ( form filed over internet ) with the US Postal Inspection Service as it is presumed the check was stolen from the US mail postal box . XX/XX/XXXX I received correspondence from Chase bank dated XX/XX/XXXX in regards to the second fraudulent check in the amount of {$25000.00}. The letter stated Chase was denying my claim for this amount as it had not been charged to the account. This did not concern me as the amount had been returned to my account. XX/XX/XXXX I received correspondence dated XX/XX/XXXX from Chase Bank requesting further information on the {$28000.00} claim. The requested information was the exact same information I had submitted with the branch on XX/XX/XXXX. This correspondence also included a reference of my initial claim dated as of XX/XX/XXXX. I called the branch to discuss this, and she informed me that all information had been submitted and she would follow up to make certain the fraud department was aware of that. XX/XX/XXXX I received correspondence from Chase bank dated XX/XX/XXXX informing me that the bank that accepted the altered check for deposit, XXXX XXXX XXXX, was responsible for repayment. Chase wrote that they initiated a claim on my behalf, and it would take 90 days or more to resolve. XX/XX/XXXX I filed a complaint with the Office of the Comptroller of the Currency. The next day I received an email informing they had received my complaint and were reviewing it. XX/XX/XXXX I sent a demand letter to XXXX XXXX, General Counsel and XXXX XXXX, Associate General Counsel Retail Branch Litigation demanding repayment of the {$28000.00} amount and detailing the facts of the complaint and supporting documentation. I sent the letter by certified mail and also by email. The XXXX letter sent by email bounced back to me. I also emailed the demand letters to the JP Morgan Chase branch manager and requested it be sent thru his chain of reporting. He replied affirmatively that he had received it and did also forward it to his management. XX/XX/XXXX I received a call from Chase executive office that they had received my demand letter and the OCC complaint and they are in the process of preparing a reply letter. Despite providing a reply they will not be reimbursing my account for the {$28000.00} until they receive compensation from the bank of first deposit XXXX XXXX XXXX XXXX ). XX/XX/XXXX I called the Chase claims department and while not requested I was put thru to the escalation personnel. I again told the person on the line my fact pattern as of above as they added this as notes to the file. There is no update to the status as they are awaiting a reply from XXXX XXXX XXXX as the bank of first deposit. XX/XX/XXXX I filed a complaint with the Consumer Financial Protection Bureau. *Over the ensuing XXXX months I have pursued my claim against Chase by requesting updates from XXXX XXXX and Branch XXXX, XXXX XXXX XXXX My claim was escalated to the executive office. Chase bank has informed me they are pursuing the claim against XXXX XXXX XXXX ( where the fraudulent check was deposited ), but to date, my money has not been returned to me. as of today. In addition to the {$28000.00} amount of the fraudulent check, I have lost interest income over the ensuing ten months. Accordingly, I am seeking the immediate return of my {$28000.00} plus interest income. *Note : There has been no further communication from either police department or the US postal inspector. I am unaware of any of these law enforcement agencies taking a single action to investigate this case. * I have further email correspondence with the bank and their personnel which I have not included above.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My husband passed away in XXXX, XXXX. The day after he died, there was a fraud alert on our credit card. When I called to discuss, Chase told me that I could not use the card because it was in my husband 's name and I was just an authorized user. On the day of his funeral, a fraud alert notice came through for my debit card, with a notice that the debit card was canceled. I understood the issue with the credit card because over the years Chase had refused to allow us to combine all of our accounts for online banking because the credit card was my husband 's and the rest of the accounts were mine. Prior to closing my account in XXXX, I transferred the remaining balance from my checking account to my new bank. Chase did not conduct that transfer. Instead, they issued a check in my husband 's name for the balance ( {$2600.00} ). My new bank would not accept that check, so I contacted Chase to reissue the check in my name. I talked with them in XXXX and again in XXXX. Chase told me that my husband was the primary holder of the checking account and I would need to open an estate account with an LLC number. My husband had no assets of his own to probate and I had already paid off our equity line and credit card balance. There was no other debt. The checking and savings accounts were mine from the beginning. I opened my accounts in a previous bank that eventually transferred through acquisition to Chase. My husband was added after we bought our house in XXXX. It appears that Chase arbitrarily identified my husband as the primary account holder, even though they refused to combine our accounts online because the credit card was his and the other accounts were mine.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2020, {$8800.00}, I am not on this account
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I PAY FOR SAPPHIRE CREDIT CARD, WHICH YOU EARN POINTS FOR PURCHASES. I EARNED XXXX POINTS. I WANTED TO BOOK AN AIRLINE TICKET. I WAS TOLD THAT IN ADDITION TO MY FULL AMOUNT OF POINTS THAT I HAVE TO PAY ADDITIONAL {$970.00}. I LOOKED UP XXXX CLASS WITH XXXX XXXX, IN WHICH I WAS GOING TO USE FOR POINTS. THE COST IS {$900.00}. CHASE WAS GOING TO TAKE ALL MY POINTS AND HAVE ME PAY MORE THAN THE COST OF THE TICKET. THIS IS A SCAM. THEY SHOULD NOT GET AWAY WITH THIS.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Chase was my first credit card, opened 18 years ago. I am not currently in the US. While I was away from home traveling, Chase closed my account without my consent because have not been using my Chase card for a couple of years. Chase sent me a letter saying Chase would be closing my account but I haven't received it. I have never seen or heard of a financial company canceling a long-term customer 's account without any reason. Now that Chase has closed my oldest credit card account, my credit score has dropped XXXX points. I'm really disappointed and I never thought my first Credit card company would close my account like that.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase Fraud Department is rude and unresponsive. A XXXX XXXX Gift card was purchased fraudulently under coercion.
Company Response:
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account was late based on a special circumstances ( hardship ) all fees were waved ( 1 time exception ) but my credit reports late 30 days
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 an inquiry made by JPMORGAN Chase bank was made on my credit. This wasn't done by me and it was fraud.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: onXX/XX/XXXX. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called Chase and they immediately told me they denied this due to it being suspicious activity and that they would inform XXXX and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. XXXX refused even after I sent them the letter and inquiry dispute just like they requested me to do.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 @ XXXX Aid # XXXX Term ID : XXXX Card # XXXX Sequence # _ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I deposited {$3000.00} ( XXXX, {$100.00} bills ) into the ATM, the atm gave me a receipt saying " To be sure your deposit went through, please call us at XXXX ''. The screen turned red and said this atm is no longer taking cash deposits. the ATM didn't spit out the money while I was sitting there. I called next day, and opened a claim, and they also told me they'd credit my account my account, but never did. After another phone call the next week, I was advised there were no updates, and that I need to fax over the receipt with the claim number. On Friday, I went to the bank to have them fax the receipt and waited for updates. On Tuesday XX/XX/23 I called again to ask for an update, I was told the claim has been closed and they were not able to locate the funds. I was told there's nothing else the bank can do to help, I asked for video footage to see if the atm spit the money back out at a later time, but they told me I would need a subpoena. I asked if there is any insurances that would cover this, I was told no as well. At this time, I'm out XXXX and I'm not sure what else to do. Can you please help.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A