Date Received: 2023-09-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: I received a text message to my cell from an email XXXX stating it was a co worker XXXX XXXX and she was stuck at the gas station and needed {$20.00} if I could spare it. I thought nothing of it because this person knew we worked together and even knew my name. I sent the {$20.00} through XXXX and she said I will send you the money back in 10mins. I received another text from XXXX stating XXXX XXXX has sent you {$200.00} and will be deposited tomorrow to card ending in XXXX ( they had my card ) so I believed it and sent {$180.00} since I thought it was an over payment, which I have done before. Today I decided to reach out to my co worker just to confirm because I did not see the money deposited and found out she never reached out to me.
Company Response:
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX account to JP Morgan Chase Bank at the instructions of the scammers. In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. XXXX issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. In this case, it is perfectly obvious that JP Morgan Chase Bank could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. Given that their client : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX was an active participant in the movement of my money, which eventually ended up with the Company, JP Morgan Chase Bank have not exercised their duties to identify this suspicions scheme in a timely manner.
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There had been fraudulent activities coming and withdrawing from my checking account for past 2 months and i made a report to the bank. When I made a report they can cover and reimburse the lost money from unauthorized activities up to 60 days which was my case. Few weeks has passed and the issue still hasn't resolved, i had visited the bank again. The bank says they can only cover up to 30 days of most recent activities. I am disagreeing their decision and I have a right to receive full reimbursement of unauthorized funds. The uncollected amount is close to {$10000.00} XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, I opened a savings account at Chase Bank because I am an international student and do not have an SSN ( Social Security Number ). After submitting the required documents, the local staff assured me that I could open the account and update my personal information through the mobile app in the future. However, today I attempted to change my linked phone number but received a message stating that I can not make this change online. I called Chase headquarters for assistance, but I was told that without an SSN, I can not make phone-based modifications. I spent over 30 minutes on the phone, and Chase kept transferring me to different departments without resolving my issue of changing my phone number. Is this how Chase Bank handles security concerns for its customers ' bank accounts? Is this the level of disregard for customer concerns? I kindly request your department 's intervention to address this matter.
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I tried to open bank accounts but I was told someone open account in my name and I provided police reports supporting that fact I never did so when I try to open bank accounts they saying I cant I try opening accounts with chase, XXXX XXXX, XXXX and they told me Im high risk cause of fraud of previous accounts I never opened and gave police reports to prove that it wasnt me and they still declined me from opening an account
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/2021, my auto loan was assigned to Chase Auto from XXXX XXXX XXXX. I became delienquent within the first 3 months because of financial hardship with covid & deceptive practices during the origination of the loan. I never received any information on my credit score or how my credit was ran or used. I reached out to Chase Auto to try to adjust my payment plan or come up with a solution to avoid late charges and get current. I spent countless hours trying to seek a solution and the only answer I ever got was to make payment for forfeit the vehicle. Towards the end of the loan I was being threatened that if I missed 1 more payment, the vehicle would be repossessed. I ended up having to sell vehicle, but the entire loan origination, and management of the loan were predatory, as I am reviewing statements, none of the numbers are adding up, I was being double charged on late fees, or random fees, making it impossible to stay on top of monthly payments. After they received the loan payoff, Chase auto then took another XXXX $ out of my refund to pay for some random fee. The loan payoff was supposed to cover all remaining fees left to the account debited to the buyer. Chase Auto has done nothing but set me up to fail, and collect on it.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: CFPB needs to reopen my complaint ( # XXXX ) against Chase. Chase has not fully resolved the problem they caused. I have three merchants that claim Chase has not returned the money owed them. Chase needs to engage these merchants, resolve the issue where I can be made whole. XX/XX/2023 The Facts Are Indisputable 1 ) ( FACT # 1 ) Chase admitted they wrongfully declared all my valid charges as fraudulent which amounted to 180 plus charges to scores of merchants over a period of five months. 2 ) ( Fact # 2 ) In order to stop utility disconnects and protect my credit rating I paid out of pocket over {$1700.00} to six merchants. These were all charges I had already paid Chase for. As of this writing, I still have three of these merchants saying Chase has not returned the money. They are XXXX XXXX XXXX for two charges totaling {$600.00}, XXXX XXXX three charges totaling {$240.00} and the XXXX XXXX XXXX XXXX three charges totaling {$180.00}. So I am still out of pocket {$1000.00}. When I called Chase to inform them of the problem they sent me a letter saying it was proof they returned the money. These three merchants were sent an email copy of this letter by me and the merchants still claim they have not receive the money from Chase. I have spent 80 plus hours over the last several months trying to resolve a problem that was not of my making. Again, I did not cause this problem ; Chase needs to become involved in resolving this issue with the above three merchants. However Chase has the attitude they sent me proof so it my problem. A problem solely created by Chase has become my problem. Who knows how many merchants are out there like the above three. I only know of these three merchants because I called them wanting a refund of my payment. So what happens months later when others start popping up? 3 ) ( Fact # 3 ) The response ( letter ) from Chase list an employee and phone number in the Executive Office of Chase that was available to help. That statement was just window dressing for The Consumer Financial Protection Bureau as I called the number and talked to XXXX and was told by her I would have to contact the Fraud Department. She basically wanted no more to do with it. The letter from Chase states that as of XX/XX/XXXX they have corrected my account. When I told XXXX my account wasnt right, she replied it had to be right as the Fraud Department had everything on spread sheets. It is simple, nothing more than grade school math. My closing XX/XX/XXXX Statement had a balance of {$2000.00}. This statement is correct. As of today XX/XX/XXXX there has been only one additional charge on the account of {$15.00} to XXXX on XX/XX/XXXX. That makes a correct and complete balance of {$2000.00}. When Chase finished their manipulations of my account, their corrected balance was {$2100.00} - {$500.00} ( for my experience and merchant fees ) and that equals {$1600.00}. So with all their spread sheets and brain power their corrected balance is {$71.00} more than it should be. My XX/XX/XXXX statement balance and the one additional charge are indisputable. It is elementary math ; I dont care how many spread sheets you have. Chase needs to refund me {$71.00}. When I presented all this to XXXX of the Executive Office, she responded, thats why we gave you the {$500.00}. The letter from Chase said, the {$500.00} was for my experience and fees to merchants and said nothing about the lack of their math skills. Over the weeks I watched my account go from {$2000.00} to {$8000.00} to - {$15000.00} and everywhere in between as Chase played with the numbers. In the words of one Chase employee I spoke to there are too many people making adjustments to your account. If I deduct my expenses from the {$500.00} credit and figure the hours I have put in, I come out with less than {$3.00} hour for My Experience, well below minimum wage. 4 ) Chase needs to take complete responsibility and contact the three merchants listed above to insure they received the money that Chase claims they returned. That will allow those merchants to refund {$1000.00} owed me. It wasnt my mistake and I shouldnt have been the one to prove to the above merchants that Chase returned their money ; though I tried numerous times. 5 ) To avoid any negative impact on my credit, I paid the corrected balance of {$1600.00} but Chase needs to refund me {$71.00} as they over billed me. Finally, it is important to note, not once has Chase contacted me to help resolve this catastrophic problem they caused. Yes, being on the receiving end of their systems error was catastrophic for me creating health threatening stress and a financial burden. I am a XXXX year old victim of the incompetence of a large corporation who refuses to stand up and do the right thing. Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I received notice from my bank, JPMorgan Chase & Co ( Chase ), of a potentially fraudulent charge on my debit card. I reviewed the charge and determined that it was fraudulent. I declined the charge and Chase canceled my debit card at the time and ordered me a new one. On XX/XX/XXXX, I received notification from Chase that someone had again attempted to use a debit card in my name fraudulently. I checked the last four digits of the card Chase said had been used, and determined that those four digits ( XXXX ) didnt match the last four numbers for any card that either my spouse or I have ever possessed. I declined that transaction as well. I then received a call from someone purporting to be aligned with the Chase fraud department ( XXXX XXXX XXXX ), who told me that my PIN number had been compromised and that I need to change it. I complied by entering my PIN number, and received a new number in return. I now believe this was a fraudulent call, but didnt recognize it as such at the time. Later in the day, after the second attempt to use a debit card in my name had been attempted, I opened up my wifes mobile banking app to check on the attempted purchases. This is when I noticed that my savings account had had {$3500.00} withdrawn from it approximately half an hour prior. I confirmed with my spouse that she hadnt made that withdrawal, and called Chases fraud hotline. There I reported the fraudulent charge, which appeared to be a wire transfer that was still marked as pending. I urged them to cancel the charge. They recommended that the next day I go into a chase bank and change my account information. They opened an investigation into the alleged fraud and told me theyd be in touch. They did not cancel the pending fraudulent transaction. They did not contact me again for further information. The next day, XX/XX/XXXX, I went into my local chase bank at XXXX XXXX XXXX , XXXX Il. There I changed my account information and inquired into the details of the fraudulent transaction. A chase employee was able to pull up the transaction from the day before. She was able to tell me that the person went into a chase bank in XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX is a suburb of XXXX and an approximately three hour drive from my home. The withdrawal took place at XXXX in the afternoon, and that teller # XXXX assisted the person who made the fraudulent transaction. The transaction was made using my PIN number, though the person assisting me couldnt say what form of ID was used. Additionally, I learned that the card ending in XXXX, which had been the second attempted fraudulent debit card transaction, had been opened the day before. A card bearing my name had been sent to an address in XXXX Il, a suburb of XXXX XXXX XXXX, approximately an hour and a half south of my home address. On Sunday XXXX my wife received notification from Chase that they would not be refunding the money taken from our savings account. The letter stated that the fraud team determined that the withdrawal was either authorized by me, or that we benefited from the withdrawal. I called the number provided in the letter to ask questions and spoke to an agent for chase. She told me that the issue was that, since I hadnt reported my card lost or missing ( my card during all relevant points of this issue was non functioning, but had remained in my possession ) and since the withdrawal was used using my pin, Chase wouldnt be able to prove fraud. I filed a complaint citing in part that I believed the decision was made without all the facts, but was told that there was no appeal process and that the customer claims departments decision was final. On XXXX I filed a police report regarding the theft and gave the salient details. At the time of this complaint ( XXXX ) have not yet heard more from the police. I hadnt filed prior to this because I had believed Chases fraud department would do so following their investigation, and would be better equipped to find the fraudster since they had more j formation than I did. In the afternoon of XXXX I received my replacement debit card. I activated it using my original pin, rather than the new pin I had thought Id been given. This is when I figured out I had been a victim of a scam. I had previously been unsure as to how the fraudsters had obtain my PIN number. The theft was conducted three hours north of my home at XXXX XXXX. I was at my place of employment in XXXX Il until XXXX that afternoon. Had the investigators for chase contacted me or attempted to obtain more information I believe their analysis would have resulted in a different decision. Im sure there are cameras at the bank where the theft was conducted which would show that I wasnt the person making the withdrawal. Just as Im sure that a reasonable investigator with reasonable effort would have determined that I couldnt have possibly had been the person involved. Had chase listened to my complaint on XX/XX/XXXX, they could have canceled the money transfer while it was pending and protected my savings account. Additionally, I am unsure as to what what verification was required at the XXXX XXXX chase bank, but I am disturbed that someone was able to imitate me and withdraw so much money with, apparently, so little scrutiny. My card had been canceled and reported as having been involved with fraudulent transactions just days prior, it seems as if more should have been required of my imposter than my PIN number.
Company Response:
State: IL
Zip: 62704
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 at XXXX I call Chase Bank 's customer service line to ask about an incoming international wire transfer. The representative said I would only be charged {$15.00} by Chase Bank. I asked specifically about intermediary bank fees and was told that Chase does not use any intermediary banks so there would not be any intermediary bank fees. I then opened an account at Chase Bank to receive the {$40000.00} wire transfer. When I received the money on XX/XX/XXXX, {$120.00} was missing. When I inquired why, a different Chase representative said that intermediary bank fees had been charged and that the initial information was wrong and that the bank would not refund the fees despite the misleading information that caused the charge.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone hacked my CashApp account from an XXXX in XXXX I own an XXXX and live in FL and have not been in XXXX The person contacted Chase, reversed some payments ( XXXX, XXXX... etc. ), and forwarded those balances to another person through my XXXX. I reported the incident to Chase after being contacted by XXXX that my balance was past due. Chase denied my fraud claim ; I then filed a claim with XXXX, which was also denied. Chase has now reversed the temporary credit and my checking account is overdrawn by almost $ XXXX. This is egregious and Chase stated they thought I perpetrated the fraud but did not hesitate to reissue an ATM card to me overnight, which could have caused further loss; please help.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A