Date Received: 2023-09-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a victim recently to fraud. They disguised themselves as XXXX XXXX and gained access to my home computer on XX/XX/XXXX. I then received calls about fraudulent charges made on my debit card and requested a new card. I also received another call about it being delayed. One of the two calls was a fake and they were able to get more information from me though I dont remember what. While this was happened on the XX/XX/XXXX my account was accessed and atm withdraws were made of XXXX XXXX times for a total of XXXX dollars. I had my accounts frozen immediately after that and change my account and blocked all my cards. They fraudsters continued to try and access my account till today. I filed a claim white XXXX and then called back and had to file again because the first one was apparently not sufficiently done. This includes adding information about my digital wallet. They asked if I had any, which I replied that I had an XXXX XXXX Apparently there was a XXXXXXXX XXXX connect to my account as well. I believe thats what they used to pull the money out of my account. I was dealing with this while being out of the country ( I flew out XX/XX/XXXX to XXXX ) so it was challenging to contact the Bank. But I did manage to contact them after finding out that my claim had be denied due to the fact that they used one of my recognized computers to access and withdrawal the money. They then suggested I speak to my internet provider to see if they can give me proof that my account was hacked because f I wanted to dispute the claim. This is about the entirety of what happened so far. I will now go and cancel my cards today and ask for new ones as the fraudsters still have been trying to use my credit card though its locked. My new account for my debit has not been attacked since I change it though. I also changed all my passwords since then as well Please let me know whatever more information you need me to provide to help assist me get my money back. Thank you in advance. The file claim number is the following # XXXX- XXXX
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with XXXX. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was the victim of a fraudulent ATM transaction. Within an hour of the transaction, I reported this to Chase Bank. I went through the entire reporting process to dispute the charge, including submitting sworn testimony, and Chase denied my claim. Chase did not consider my evidence and was not responsive to my request. As a result, Chase charged me for the ATM withdrawal, even though no money was disbursed.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I competed in an amateur boxing event with XXXX XXXX called XXXX XXXX XXXX. I won a {$500.00} check for 3rd place in the ring girl contest. The written amount on my check was different than the dollar amount due to a printing error at the event. The check was supposed to be for {$500.00} and the written amount confirmed that, however the dollar amount was {$2500.00}. I deposited the check for {$500.00} and not {$2500.00} via mobile deposit on XX/XX/XXXX. On Monday XX/XX/XXXX, I called chase to ask when my funds would be available and I learned that my account was restricted because they could not verify the amount with the issuer due to the phone number not being verified for the company. I sat in limbo trying to figure out how to fix this situation. I was finally able to obtain a number for the president oXXXX XXXX XXXX to link him to the company. Chase called and verified the check on XX/XX/XXXX. However, by XX/XX/XXXX I was still unable to use my debit card or have access to any of my money in my account. I called chase again and they informed me that they lifted the restriction from my account and to give it 1 hour for it to update. I waited an additional 3 days and there was still no change to my account. By this time I had reached the total allotted time allowed for a restricted account and chase closed my account even though the check was verified and paid out by the issuing bank. 10 days after XX/XX/XXXX Chase was supposed to cut me a check for the remaining money that was left in my account, as of XX/XX/XXXX I still have no received a check. I called chase once again and they told me that the money is being held and I have to go to a branch and bring to forms of identification. This is unacceptable because I was previously hung up on by a manager because I was angry that I wasnt able to go to chase to get my money and that I had to wait for a check. Now there is no check and chase is trying to keep my funds. This bank should be disbarred from managing anyones funds.
Company Response:
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: A discrepancy between the promised and actual reward for a credit card application. I applied for and received a Prime Visa credit card from Chase. According to the advertisement at the time of my application, I was supposed to receive a {$200.00} gift card, not the {$50.00} one I eventually received. Here are the detailed events : On XX/XX/XXXX, I saw an advertisement on Chase 's website regarding the application for an Amazon co-branded card. For the standard Amazon Visa, the gift card reward was {$50.00}. However, Amazon Prime members could apply for the Prime Visa with a gift card reward of {$200.00}. ( Unfortunately, I did not take a screenshot at that time, but even now, the Chase website shows a {$100.00} gift card for Prime Visa, higher than the standard Amazon Visa 's {$50.00}, as seen in XXXX ' ). Consequently, I subscribed and paid for Amazon Prime membership ( proof in XXXX ' ) .After this, I proceeded to apply for the Prime Visa XXXX XXXX XXXX XXXX, the sole application channel for this card. Even if one clicks on the application link on Chase 's site, it redirects to Amazon. I ensured during the application that I was indeed applying for the Prime Visa with a {$200.00} gift card reward. Shortly after, I received an email stating that I was approved for the standard Amazon Visa card with a {$50.00} gift card. I immediately found this unacceptable and called Chase. I informed them I had applied for the Prime Visa, hence should get the {$200.00} gift card. The representative mentioned they only received data for the standard Amazon Visa from Amazon. I explained that as a Prime member, I should be entitled to the Prime Visa, and expressed my intention to cancel the card and reapply. The card was subsequently canceled. However, when I attempted to reapply the next day, the website indicated I already held such a card. I contacted Chase, and they confirmed the card was canceled. They weren't sure why I couldn't reapply, but offered to issue a Prime Visa card directly over the phone, which I accepted. I believed that this should come with the Prime Visa 's welcome reward. Yet, to this day, I haven't received the reward I'm entitled to. I raised this issue with Chase, but they have refused to provide me with the {$150.00} difference in the gift card reward ( refer to XXXX ' ). From both the standpoint that I should have initially received the Chase Prime card and the perspective of being directly issued the Prime card after my phone complaint, I should get the matching reward for the Prime card : a {$200.00} gift card.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XXXX XXXX, went to XXXX XXXX to get a cashiers check for her grand-daughter, XXXX XXXX , to help her buy a RV. The agent at XXXX XXXX told XXXX that it would be faster/safer to use a wire transfer. Both XXXX and XXXX appeared in person at the XXXX XXXX and coordinated the transfer of {$31000.00} to XXXX account at Chase. The transfer was initiated on XX/XX/XXXX. The case number at XXXX XXXX is XXXX The federal reference number is XXXX The wire transfer XXXX is XXXX. XXXX is at the local XXXX XXXX where the wire transfer was initiated XXXX. She said she couldnt give XXXX names and numbers of who she is talking to at Chase because they are internal numbers. The XXXX XXXX wire fraud department that was contacted by Chase is XXXX option # XXXX. XXXX is who it was assigned to but he has not provided any assistance.Also someone named XXXX is in this department and sometimes is who the call is routed to. Initially they were told by Chase that XXXX account was secured so she couldnt accept wire transfers and then they said it was flagged because she had never received a wire for that much money before. XXXX then was contacted by XXXX XXXX and was asked a series of questions on behalf of Chase ( How XXXX knew XXXX, what was the purpose of the wire, etc. ) On the XXXX, XXXX talked to XXXX in the Wire Transfer Department at XXXX XXXX, he informed her that he didnt normally talk to customers, stated that he was emailing someone who would call her right back and then he left at the end of the day for vacation. It is unclear if he emailed anyone but no one called her back. On the XXXX, XXXX husband XXXX, talked to XXXX XXXX and again verified personal information ( verifying account information and that XXXX had made the wire transfer ). He was told the funds would be posted to XXXX account soon. That same day XXXX received another call from XXXX XXXX with another series of questions requested by Chase. Per XXXX the call consisted of asking XXXX questions on why we did it, who gave me the Chase information etc., did I get instructions from anyone? The following day, XX/XX/XXXX, there was still no transfer of funds to XXXX account so XXXX asked XXXX XXXX for the transfer to be reversed. XXXX XXXX initiated the reversal and stated that XXXX would need to authorize the reversal with Chase. XXXX spoke to Chase and attempted to authorize the reversal of the wire transfer back to XXXX XXXX but Chase informed her that since she never received the transfer there was no reversal to approve. XXXX called and emailed XXXX XXXX but both banks were closed until XX/XX/XXXX due to the Monday XXXX XXXX Holiday. On Tuesday XXXX XXXX spoke again to XXXX, from XXXX XXXX, who was now back from vacation. She was informed by XXXX that it takes time and she should give it until end of the week and if not call back. On Friday XX/XX/XXXX XXXX went in to her Chase branch and asked them what she needed to do to unsecure her account so she could accept accept wire transfers. The Chase employee told her, as she had been told previously, the transfer would bounce back automatically to the account it was sent from when it was initially sent. On Monday XX/XX/XXXX, XXXX talked to another agent in the XXXX XXXX Wire Transfer Department who stated this isnt normal, but offered no assistance other than tell Chase to return your money, although they provided no contact as to who she could tell. On XX/XX/XXXX, per XXXX XXXX XXXX, Chase told them that once the funds are wired, they can not be reversed, the transfer is irrevocable. XXXX at the local brand has told Chase that XXXX and XXXX were both in her presence when the transfer was initiated and Chases response was How do you know its her granddaughter. XXXX asked if XXXX and XXXX could go to Chase together but XXXX is in Nevada and XXXX has now moved back to Washington. At this point, it appears that Chase has no intentions of depositing the funds in either account. On XX/XX/XXXX, XXXX spoke to XXXX in the XXXX XXXX wire department who placed fault on XXXX and XXXX saying XXXX should have gone to her bank to make sure she could accept a wire transfer prior to XXXX sending it.XXXX was unaware that her bank account could not accept wire transfers and XXXX XXXX did not mention that this is something that she needed to do when she and XXXX were at XXXX XXXX providing the transfer information.Sue then said XXXX triggered a case when she asked for a reversal of the wireXXXX asked for Chase contacts again and received the same answer internal only. She asked if an attorney could get names and she said we dont have actual names just inter-branch bank communications. As of today, XX/XX/XXXX, still no deposit in either account.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello CFPB, On XX/XX/2023 I received notifications of charges on my Chase Credit Card ( ending in XXXX ). I contacted Chase and notified them of the unauthorized charges. I'll add the dates and charges below. They sent me letter stating that they have reviewed and deemed me responsible for all the transactions. Their reason was " You received benefit from this transaction. '' I am reaching out for assistance as these charges are fraudulent and I should not be responsible for these charges. I have added my bank letter regarding this as well as a former email notifiying me of another charge from XXXX that was declined. Thank you, Date : XX/XX/2023. Charges : XXXX XXXX XXXX - {$29.00} XXXX XXXX XXXX XXXX - {$130.00} XXXX XXXX XXXX XXXX - {$50.00} XXXX XXXX # XXXX - {$100.00}
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email notification from JP Morgan, Chase, indicating that I had signed up for paperless statements for my newly opened credit card. However, I did not just open a credit card and became suspicious of fraudulent activity. In addition, I also received a notification from XXXX identity monitoring through my XXXX XXXX XXXX XXXX premium checking benefit. I contacted Chase to inquire about the issue. They verified that a new credit card had in fact been opened yesterday on XX/XX/2023 in my name. I told them that I did not open that line of credit. They asked me if I considered it fraud. I said yes. They asked me if I wish to have the account closed which I did. However, they would not share any other information with me regarding how or who mightve open this line of credit without my consent. They also instructed me to contact the three credit bureaus to have a fraud alert placed on my account.
Company Response:
State: UT
Zip: 84025
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am refilling this complaint to JPMCB CARD for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was banking with Chase. They said I had XXXX in an account. I tried to get it transferred out and they asked where the money came from. I told the. My buissness. They then said my account was closed and they would mail me a check. I never received any check or further response from them. I have about XXXX of funds they have not returned.
Company Response:
State: IA
Zip: 50023
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A