Date Received: 2023-09-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/XXXX XXXX made an early payment to jpmcb to pay {$2800.00} balance in full. Payments due on the XXXX of the month. Perfect payment history 7 years,, the total history of credit card account with jpmcb. . Having XXXX other accounts linked to my jpmcb account for payments, I clicked the wrong account by accident. . Immediately called jpmc to inform them of my mistake,, to avoid all hidden fees and penalties they give, and so they would not XXXX attempt to charge that account and to place full balance available to pay with correct linked account. . Called linked bank to stop payment, return was complete in 2 days. XXXX XXXX. Before my balance was made back available to pay, jpmcb made XXXX attempt despite me not authorizing the transaction. . With j p morgan chase bank they refuse to abide by laws, codes of ethics, as well as promise to customers advertised below their faulty charges, again! . jpmc did not return my credit card balance until XX/XX/XXXX, actually forcing a late fee along with high interest charges, because my bill is due on the XXXX of every month. . I can not pay on a {$0.00} balance so they default and need to reverse, remove, and FIX all damages done to my well being dropping my XXXX XXXX from the XXXX to the low XXXX within 2 months. . I paid all monies that I've ever spent back to jpmc, while actually i never owed them a XXXX as the money they loan me never exist while using the credit card. . Customer service and supervisors seem to like to blame systematics on the neglect and lack of proper XXXX XXXX over providing customers with proper help when dealing with their financial info, credit profiles as well. I only was assured of what they can't and or won't honor to me by law. . I've been calling jpmc all year, month by month trying to get this settled, only to be ignored, lied too, hung up on, and harassed but debt XXXX as well and threats to freeze my account for multiple late and missed payments. . CONC XXXX, XXXX, XXXX direct violation to me, consumer, as well as other codes, laws, and duties due to me spawning from XXXX and XXXX.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear CFPB, I am disappointed with Chase 's handling of my fraud claim. On my XX/XX/2023, my device was stolen and someone had accessed my personal information, XXXX keychain passwords, including my debit card number and made a fraudulent transaction at XXXX for {$150.00}. I have promptly notified Chase within the same day that my device was stolen and my Chase online banking profile was secured and a new debit card was reissued. On XX/XX/2023, Chase has concluded my claim stating that the transaction was indeed authorized. [ Letter from Chase Attached ] Chase 's decision was made based on the merchant 's information, XXXX The merchant, XXXX, were able to base their finding on " no change of registered email address or passcode, before or at the time of the reported transactions '' [ Letter from XXXX Attached ]. This is in fact true, as my device was stolen and all of my passwords were saved on the XXXX keychain. Therefore, the perpetrator had access to that information and was able to make those fraudulent charges. I am disappointed from Chase because their Deposit Account Agreement and Privacy Notice under Special Provisions for Card Transactions ( Zero Liability Protection ) clearly states that " you are not liable for any unauthorized card transactions if you notify us promptly. '' [ Deposit Agreement Attached ]. I have a direct deposit relationship with Chase for about 5 years now and this is my first claim with them. I am very unsatisfied and have lost faint in them.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have had an ongoing issue with JP Morgan Chase bank Fraud department, accusing and freezing my checking account and refusing to allow for me to use the account. even though I have been able to open an account, with no issues, however when it came to depositing my pay checks via online mobile app, they froze my account and made accusatory comments and statements that i have shown a history of fruad and they wouldnt unfrezze the account. however I have provided to the fraud deparment numerous times valid information which would show i was a victim of identity theft, i provided documents to support this claim including a police report for them to review.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello I deposited two checks from my boss to my Chase bank account- {$550.00} on XX/XX/2023 & {$420.00} on XX/XX/2023 Chase bank never gave me my checks and closed my account and kept my money Chase was unable to verify the check even though these are real checks My boss XXXX XXXX went into Chase Bank XXXX XXXX on assembly row and spoke to the manager XXXX XXXX XXXX showed his ID and information to prove that the check was real and Chase bank didnt accept it because they dont have XXXX phone number in their system but the phone number they have is the wrong one.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hard Inquiry from JPMCB Credit Card XX/XX/23 I applied for Chase Credit Card. Inquiry twice for same card Chase unlimited... I was advised to contact XXXX to assist me with this matter
Company Response:
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a business account with Chase on XX/XX/XXXX. I've received a payment ( {$57000.00} ) from my contractee on XX/XX/XXXX. However, my account was locked and subsequently closed on XX/XX/XXXX because they could not verify that the payment was intended for me. I found out that the payroll company processed the ACH payment under my nickname, instead of my legal name, I've been receiving monthly payments from the same company for the past year through my personal checking account and did not find out about this until the incident. I provided a letter from the HR department, XXXX XXXX statement, and payment history from the payroll company that shows my nickname as requested by Chase but Chase states that the only way the fund can be released is if I submit a government-issued ID that shows my nickname or if the payroll company requests a recall on the ACH payment. I explained that my nickname is an English name that I use and is not my legal name, and therefore I don't have a government-issued ID under my nickname. As far as recalling the fund, I was told by the payroll company that it can't be recalled once it's been settled. I checked the ACH reversal requirements online and it states that ACH reversal can not be processed if it's past the five banking day frame. Chase continues to state that there is no other way to release the fund, and there is nothing they can do.
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX routinely checked my business account and see wire transfer. I immediately called Chase Fraud Division to report the XXXX that I never wire transfer and not to wire transfer. They ignored my instructions and wire transferred {$9800.00} to XXXX XXXX and then on XXXX once again wired to XXXX XXXX XXXX to a XXXX XXXX {$13000.00}. They fully acknowledged my calling them as they have it recorded. The funds came out of my Chase business account # XXXX. The investigation for the {$9800.00} is XXXX. The investigation into the {$13000.00} us XXXX. Now since this all began I have been told that there is no record of this matter ; no recording ; no claims filed and I have often been brought to tears. Finally I was told that Chase has requested the money from the receiving banks but they refuse to release it because the person who was supposed to get my money won't agree to return it! At this point I withdrew all of my accounts, everything they had of mine. I have repeatedly called and lied to -- they simply don't care. FYI my husband XXXX on XXXX from XXXX XXXX XXXX XXXX Unbeknownst to me he cancelled everything we had. He left me XXXX to live on so therefor at XXXX XXXX XXXX soon to be XXXX I work full-time as a realtor ; that is the only way to survive. For sure U can not live on his XXXX of {$2200.00} a month. The {$23000.00} that Chase has stolen from me us a huge amount. Also in the way they have mistreated me. Every single phone call I am lied to ; and they refuse to take responsibility for what they did when I instructed them not to. Please, please help me.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I received a phone call on my cell phone that was incoming with the name Chase Bank. A number I had plugged into my phone when I originally opened my checking account as it had the emojis that I listed with the number in my phone. The person on the line said they were from Chase and that my debit card had been compromised and that they were going to issue me a new one. I am a XXXX XXXX and when they called I was working and distracted and the person on the line asked me to verify my last XXXX of my social security number which I provided. They asked for my pin and I gave it to them. They said I would receive a new card shortly. The next day I checked my account and someone had withdrawn {$6000.00} from my savings account. I called the fraud department and they informed me that someone had added a debit account to my wallet on my XXXX and that they would remove it from my phone. This person withdrew XXXX {$100.00} withdrawals from an ATM and Chase never notified me once about these withdrawals that happened one right after another which should have been a red flag to begin with. Chase initially refunded my account while they investigated and then when they were done they took back the money and said since I provided the PIN number that there was nothing they could do. How about protecting the customer. Whenever I shop at XXXX time Chase will not approve of some of my transactions until o call and verify. I don't understand how someone can make that many withdraws at an ATM and Chase not notify me. We put trust into a financial institution to protect our money and have safeguards in place if someone is trying to commit fraud against you. {$6000.00} is a lot of money that I worked hard to save. They also have the debit number which was attached to my wallet that did the crime. This crime occurred because a person was able to add a debit card to my XXXX wallet and use it to steal {$6000.00} at a ATM and Chase acknowledge that there were XXXX cards attached and had me verify mine and also my boyfriends card which I knew were on there and they said there was a third that I did not know whose it was, so Chase removed that card from my wallet and never did anything with that information. I filed a police report and this is information that can help catch the criminal that stole from me. I feel like Chase is not doing anything to help me get my money back nor did they protect me from this criminal act.
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2023 - {$20000.00} and it was rejected XX/XX/2023 - {$31000.00} and it was rejected
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX : Initiated the application process for payment solutions and established contact with a representative from XXXX to strategize the optimal approach for payment processing, with a particular emphasis on getting the {$1000.00} merchant services bonus. XX/XX/XXXX : Received confirmation of application approval and subsequently placed an order for a mobile card reader in order to commence the acceptance of payments. XX/XX/XXXX : Successfully fulfilled the stipulated bonus requirements, which entailed processing a total of {$2000.00} across a minimum of five transactions. XX/XX/XXXX : Initiated contact via phone to inquire about the status of the bonus. During this interaction, the customer service representative suggested reaching out to the designated XXXX representative for further details regarding the bonus. Subsequently, an email was sent to the XXXX representative to seek clarification on inquiries related to the bonus.
Company Response:
State: UT
Zip: 84058
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A