Date Received: 2023-09-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/07 I noticed I had fraudulent activity on my account. Someone called acting as me and filed 2 disputes stating I was overpaid by {$990.00}. When I noticed this, I immediately called the bank and noticed that their level of security when calling in is slim to none and anyone can retrieve the required information that they are asking for. Which is account/debit card number, name and street address. I felt like this is the reason why someone was able to fraudulently call and act on my behalf. I asked that more security levels be added onto my account which I was asked a series of questions and gave answers to. When I called back in to check on the status a couple of days later, they asked the same 3 questions with none of the extra security questions being asked. Chase is making it very easy for scammers to call in and act on behalf of valued customers. I am now out {$1900.00} due to this lack of security. I should feel secure in the place that I trust to hold mine and my families financial lives in.
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase Bank has been blocking online access to all accounts for several weeks. They are forcing acceptance to a XXXX XXXXXXXX XXXX agreement. This PDF is 125 pages long! I do not have the time, patience, and possibly the competence ( due to the complexity and length of legal language within ) to fully read and understand such terms. This is an abuse of power by one of the few national banks, to a decades long customer.
Company Response:
State: OR
Zip: 97601
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: There are HARD inquiries showing on my credit report for accounts I did not inquire about or open. I did report the three inquiries to the FTC and have also attached the three specific inquires showing on my credit report.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received a case debit card in the mail on the week of XX/XX/. Stating that I had a account and needed to activate my card so I called the number to see what was goin on they kept asking for my SS number and I wouldnt give it to them so they eventually keep me on hold for two hrs so I hung up and this week on XXXX I went in to a local chase bank branch and gave them my info they pulled up the account that has been opened with out my consent it has a XXXX Indiana phone number attached to it but my name SS number and address the only thing that didnt match was the phone numbers and they refused to close the account for me. Or give me any info on the person that opened the account.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased {$4000.00} in USDT to the platform XXXX from an ATM on XX/XX/2023. Then I made a wire transfer from Chase Bank to XXXX in the amount of {$16000.00} on XX/XX/2023. This money from XXXX was then sent to the XXXX Cryptocurrency Platform under the website address XXXX. The {$20000.00} was used to trade and resulted in an amount of {$370000.00}. On XX/XX/2023 I asked to withdraw the money from the XXXX platform and the customer service agent told me I needed to pay {$48000.00} in personal taxes before my money could be withdrawn. They said if I pay these taxes I would not need to report my earning to the IRS. I told them just to send me my {$20000.00} back and keep the rest and they said they could not do that. They also said they could not cancel any withdrawal over {$100000.00}. Therefore, because I do not have {$48000.00} to pay the taxes I can not withdraw my money and according to my tax agent, I should not be paying any taxes to them anyways.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Selected category is not exactly the issue but none matched any better. Chase is looking into a fraudulent credit card application submitted in my name. I spoke with their fraud staff and shortly after the conversation received another email saying " Thanks for requesting a new credit card. '' Thinking it was another fraudulent application, I called again to check. Fraud staff advised there was only the one application - their reference number XXXX. After the call, we received another email saying, " Thanks for requesting a new credit card. '' Apparently, every time you talk to them this email is generated? This is very confusing. Once the application has been denied ( which they confirmed several times ), this should stop.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2023. I tried to send money to someone on XXXX. The bank called me asking me questions about it. The bank decided to decline the XXXX transfer. The email I received was that they said no because I didn't answer the phone. They lied. I did talk on the phone with them. On XX/XX/2023, The XXXX XXXX app informed me that the withdrawal {$22000.00} and more from my account. I went to my XXXX app and found out I had no money ( over {$22000.00} withdrawal ) in my account. I was also trying to buy XXXX through the XXXX XXXX but I kept getting declined. Since I was at work, I went to HR to find out how to remove my direct deposit. I have no idea where my paycheck ( ~ {$540.00} ) went since they closed my checking account on XX/XX/2023. Since they closed my account on XX/XX/2023, I tried calling on XX/XX/2023 from the letter I found in the app. I called the number in the letter and didn't get a straight answer. The customer service person was rude. She confirmed that my account was closed. She gave me a random number to call that wasn't Chase Bank. I have no idea who I called. I went to the bank on Tuesday, XX/XX/2023. Someone was asking everyone in line why they were in line. I showed her the app, and she led me to the phone. I talked to the fraud department, They said I was talking to the wrong department. I was transferred to another department. I have no idea who then I was transferred again. They told me to wait for a letter in the mail. I did get upset. It's now XX/XX/2023 and I have not received the letter in the mail yet. I still don't have my money of $ XXXX either. I have no idea where my last XXXX paychecks are from XX/XX/XXXX and XX/XX/XXXX. I've been getting the run around from Chase Bank. I have no idea why they closed my checking account. I can't afford to eat since my money is missing. I have no idea how I'm going to pay rent next month. I can't do anything since my money is missing.
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/, I received a phone call from a phone number of XXXX. They claimed to be CHASE Bank and was alerting me about some fraudulent activity going on with my account. I was on the phone with them for awhile until the kept me on hold for over 10-15min. when i then hung up the phone. Later, about 2-3minutes later, I received a text message from CHASE bank, stating that my checking and savings account had a balance that was below {$50.00}. I then checked my accounts and noticed multiple withdrawals from an ATM that was not authorized by me. It was multiple ( XXXX ) transactions of {$100.00}, {$200.00}, {$300.00}, and $ XXXXThat itself made it clear that there were some definite suspicious activity going on. The total amount that was taken from my account was {$4400.00}. I immediately contacted CHASE bank to file a claim of fraud to my account that same day ( XXXX XXXX ). CHASE bank had denied my claims XXXX and XXXX. I then called CHASE bank to get an explanation for the denial. They then wanted me to provide proof that the transactions were not made by myself. So, on XXXX XXXX, I sent over credit cards statements that show myself not in the same area when the transactions were made with time stamps and everything. I also provided a Police report I made. I then waited for another 14-20 days for CHASE Bank to reply, and I got nothing. So I made another phone call to CHASE Bank on XXXX XXXX. The person from CHASE said that they did not reopen my claim for whatever reason and directed me to a Claims Manager. The Claim Manager, XXXX claims that there was not enough proof that it wasn't me that authorized the transactions and claimed that CHASE is not responsible for any of the lost funds. I'm going to continue to do what is needed for this issue to be resolved as I am a victim of fraud. Claim # 's : XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90031
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to file a formal complaint against Chase Bank regarding their failure to provide the promised bonus offer upon meeting the requirements for the Chase Freedom Credit Card. I believe that Chase has engaged in unfair and deceptive practices by not fulfilling the offer stated on their official website during my application process. On or around XX/XX/2023, I applied for a Chase Freedom Credit Card through the official Chase website. The website clearly displayed the New Card Member Offer, stating that I would earn a {$200.00} bonus after spending {$500.00} within the first XXXX months of opening the account. The offer was a significant incentive for me to choose Chase as my credit card provider, and I proceeded with the application based on this offer. After diligently using the Chase Freedom Credit Card and spending well over the required {$500.00} within the specified timeframe, I noticed that the promised bonus was not credited to my account. Concerned about the discrepancy, I promptly contacted Chase 's customer service department via email to inquire about the missing bonus. To my surprise, the response from Chase 's customer service team was highly unsatisfactory. They claimed that the offer I mentioned was not included in the offers associated with my card. However, I applied for the credit card through the official Chase website, where the {$200.00} bonus offer was prominently displayed. It is perplexing and misleading that Chase would advertise an offer on their website and then deny its existence when customers meet the stated requirements. Despite my attempts to seek clarification and a clear explanation as to why I was deemed ineligible for the bonus, Chase failed to provide a satisfactory response. Instead, they closed the inquiry without addressing my concerns adequately. As a new customer who followed the prescribed application process and relied on the information provided by Chase, I believe that their conduct is unfair, deceptive, and in violation of consumer protection regulations. In light of the aforementioned circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I urge Chase to rectify the situation by honoring the promised bonus offer and providing a clear explanation for their misleading advertising practices. Additionally, I request that appropriate action be taken against Chase to prevent similar incidents from occurring in the future and to ensure fair treatment of all consumers. Enclosed with this complaint, please find relevant documentation, including screenshots of the Chase website displaying the bonus offer, as well as copies of email correspondence with Chase 's customer service department. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this issue and protect consumer rights. I look forward to a prompt resolution and a satisfactory outcome. Yours sincerely,
Company Response:
State: NJ
Zip: 07006
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filling this complaint to JPMCB AUTO for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still 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: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A