Date Received: 2023-09-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, i was notified that an external account had been linked to my checking account. As this was not my doing, I immediately called Chase to inform them that this action was not performed by me and that I believed my account had been compromised. They stated they would begin an investigation. I have documentation from Chase stating as such. On XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$490.00}, XXXX for {$490.00} ) XX/XX/XXXX ( XXXX transaction for {$490.00} ) Money was transferred to that same external account. I disputed these charges, as they were not authorized by me on XX/XX/XXXX. I was told they would investigate and also have documentation stating as such. They informed me that those transfers had been completed from my mobile banking app and that account repair was necessary to secure my account. They at that time removed the external accounts access to my funds. Funds were returned to my account the next morning, with a letter that the funds were temporarily given back while they completed their investigation. On XX/XX/XXXX, Chase denied my dispute, stating that the charges were authorized. After contacting chase, an appeal was filed. XX/XX/XXXX, Chase again denied my appeal and the case was closed. These transactions were to an account that I had expressed was not me, Chase told me they were looking into it, and still allowed that account to take the money, then proceeded to deny my dispute for these charges.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-09-07
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: Towards the end of XXXX, XXXX I was contacted on XXXX XXXX by a scammer, pretending to be a single woman on XXXX. " She '' went under the profile name, " XXXX XXXX '' from XXXX, Florida and used the profile picture of a XXXX model by the name of XXXX XXXX XXXX. Of course, had I known about doing a reverse XXXX XXXX search, I would have discovered the fraud and avoided the scam. Unfortunately, I was naive and gullible. So anyway, " she '' wrote to me saying that she was single, just like me, and that I seemed like a good guy, who she'd like to build a relationship with. I was enamored by " her '' picture and took the bait. So, in the beginning we made small talk and got to know each other. She made up a story of how she was married to an abusive, monstrous husband in her hometown of " XXXX, XXXX '', and that all she wanted was to find a nice guy like me. Eventually she told me that she moved to XXXX, Florida and got reunited with her father, who had been living there for a while before. Then after a week and a half of getting to know each other, she began telling me that " her father '' taught her how to invest in Crypto currency. She told me that she got so good at it, that she was making over {$3000.00} daily by bidding on Crypto currency in an NFT platform. She showed me professional looking data and fake numbers to convince me that she was making easy money. Then she wrote to me saying that I should also invest in the same platform. She told me that my daily gains would make it a " Win-Win Situation '' for me. When I expressed suspicion of her being a scammer, she used psychological tactics to satisfy me. She said that she was aware of these despicable human beings, who present themselves as the opposite gender and scam people. She wrote to me " We are all God 's children! I wouldn't have the heart to do this to you! I would get satisfaction from teaching another human being how to thrive with Crypto investments! '' So, I fell for it and let her teach me. So on XX/XX/2023, we switched our correspondence from XXXX XXXX to XXXX, and we got down to business. She patiently took the time to walk me through the process of making a XXXX account, a XXXX XXXX account, and an account on her fraudulent website platform. Her websites name was XXXX. She walked me through the process of creating an account on her phony platform as a bookmark link in the XXXX XXXX app. She also patiently walked me through the process of transferring money from my Chase Bank checking account to XXXX and then to her fraudulent XXXX platform. I kept sending her screenshots of the page that I was on and she made circles or arrows where I should click. She had me copy and paste her block chain address to XXXX to send the money to her phony XXXX website. Her block chain address was as follows : XXXX. So I kept copying it and pasting it. Another tactic she used in order to bamboozle me was the way I set up my wallet account. They gave me 12 key words for me to write down and keep in a safe place. She told me that with this I could rest assured that no one would have access to my funds except for me. This made me feel that the website was safe and secure. Little did I know that these 12 key words were all fake. Then she began getting very pushy with me. She said " You're only making {$100.00} daily, wouldn't you rather make {$350.00}? Don't you have more money to invest? '' I told her that this is all I have. So she put a lot of pressure on me to borrow money. I told her that all I could do was take out a {$22000.00} loan from my 401K retirement account. She pushed me to do it and I did. I, therefore, transfered a total of {$34000.00} from Chase to XXXX and then to XXXX. When I ordered these alarmingly large outgoing wire transfers from Chase, Chase told me that I would need to speak with a representative on the telephone and give the authorization. I got frightened and told the scammer that I didn't want to get involved. She went back and gave the argument that with the 12 key words, no one could steal my money. So I naively gave Chase Bank my authorization for the huge outgoing wire transfers. So every day I did my platform bidding with the money that I supposedly had in the account, and everyday the fraudulent platform showed me that my gains were over {$300.00}. Then on XX/XX/XXXX, everything came to a head. She asked me if I would be interested in taking out a {$50000.00} pledge loan on the platform. She explained that I would make about {$1500.00} profit and pay back the {$50000.00} anytime. It sounded good to me. So she guided me into applying for the loan. I gave a couple of clicks and then I was TRAPPED. I had taken out a {$50000.00} IRREVERSIBLE pledge loan. She told me that I had seven days to repay the loan with money from OUTSIDE the platform account! I told her that I had no money! When I panicked, she sent me a link to their " customer service representative ''. The representative told me that if I didn't come up with {$50000.00} plus interest within seven days, then my account would be locked forever and I wouldn't be able to get my {$34000.00} out. The next day, " She '' began sending me love messages, trying to get me to come up with more money, in order to supposedly unlock my account. She offered to " pay '' {$30000.00} and I would just need to come up with {$20000.00}. I explained to her that I wouldn't be able to come up with a penny. So my family advised me to " ghost '' her and take my {$34000.00} loss. Later I was advised that the XXXX platform was fraudulent to begin with, and that " she '' stole my money right when I put it in. The numbers that the platform showed me regarding my daily gains, were all fake. I was also advised that the XXXX website was created very recently, had a XXXX % confidence analysis, and was reported as spam. So this is where I stand. My Chase Bank wire transfers give me a net loss of {$34000.00}. I used the consulting agency, XXXX XXXX to guide me and help me recover my stolen funds. They wrote an initial " protocol letter '' on my behalf, describing how Chase could have easily protected me from fraud, but chose not to. The letter requested a reimbursement of my stolen funds into my account. So Chase wrote me a letter DENYING the request. Then XXXX XXXX wrote a second letter to Chase on my behalf, called a " rebuttal letter ''. XXXX, one of the Chase case workers at the executive office in XXXX, Ohio, told me that she rejected the rebuttal letter as well. I asked her if she could put her decision in writing, but she apparently refuses to do so. So all I have to submit to you is Chase 's letter rejecting the initial " protocol letter '', but no rejection letter for the second " rebuttal letter ''. XXXX also rejected my request for a reimbursement. So I'm including the following documents for you to see :. The ombudsman letter that XXXX XXXX has written to the Bureau of Consumer Financial Protection on my behalf. The initial protocol letter that XXXX XXXX has written to Chase on my behalf. The rejection letter from Chase of the protocol letter .The second rebuttal letter that XXXX XXXX has written to Chase on my behalf. The Chase Bank statements for XXXXXXXX XXXX and XXXXXXXX XXXX with the relevant transactions highlighted in yellow. Please see what you can do to help me recover my stolen funds. I would really appreciate it. XXXX XXXX
Company Response:
State: NY
Zip: 11230
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The credit card was open XX/XX/2021 I activated my card and lost it and someone used my card and maxed it out to {$5300.00} I didnt receive no security alerts no fraud alerts telling me someone using my card. I received a statement saying my credit card was maxed out for XXXX immediately called chafe fraud department to dispute those transactions they never responded to my complaint closed my account and put it in the collection I told them to investigate the transactions it was unauthorized transactions but instead they closed my credit card and say I had to pay the unauthorized transactions that I disputed and closed the account with no explanations and now put a XXXX debt on my credit that I didnt do
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my identity was hacked around XX/XX/2023 ( including my phone at the time ( XXXX ) XXXX, my XXXX, and ALL my Chase bank accounts ( personal and business ). The hacker was able to make a fake ID, fake debit card, and had the use of my old number ( XXXX ) XXXX which they stole from XXXX XXXX XXXX ( I had to get a new number from XXXX XXXX XXXX from that point ). I complained and spoke with MANY different reps at Chase bank and spent over 15-20 hours on the phone and going to the local branch to resolve the issue but they did not help at all. I sat down with the local branch manager, district manager ( two of them ), and they all apologized and said they would speak with their superiors but they have done nothing. They still claim they are investigating but they have not cooperated with XXXX -- XXXX has an open investigation on this since over $ XXXX was stolen from my accounts. The hacker walked into several branches and withdrew money with the fake ID and debit card but according to one of the employees, he didn't look anything like the picture on the fake ID and his signature was completely different than mine or the fake ID. Also, there tens of thousands sent via XXXX by the hacker to his friends/family for which Chase has not refunded either. The hacker is still on the loose and applying for more credit cards under my name. In fact, Chase allowed the hacker to apply for and granted a credit card to him even when I already have a personal and business card through Chase. They never once notified me of any of these fraudulent transactions -- I found out of my identity theft via XXXX XXXX XXXX after my phone stopped working.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: hi cfpb, i got a new device and Im trying to login to chase.com but it wont let me. please see the screenshots below. when you click on have a question, and look under how do i get a one-time code? it SAYS it gives you the option to email you a code, but THERE IS NO OPTION in the tell us how cfpb, there is no way you are hearing this for the first time. meaning that you let chase do whatever they want to do. cfpb, i know you think consumers are stupid. you are a partner with chase. you let chase do whatever they want. this is affecting more consumers besides me. you dont think chase knows their login works? really? chase is a predatory financial corporation. they dont even allow their OWN customers login! cfbp needs to stop this predatory financial corporation from taking advantage of consumers. but cfpb is partners with predatory financial corporations so this wont happen ; ) I am requesting {$1000.00} for this predatory behavior and they must meet allow the email option for the code within 3business days.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 my close friend XXXX XXXX received his IRS refund check in the amount of {$24000.00} VIA check which was issued from XXXX XXXX. XXXX XXXX signed his check over to me and I deposited his check into my Chase Checking Account. After depositing this check that was received from XXXX XXXX XXXX XXXX XXXX, Chase bank then closed my account. I immediately contacted Chase bank to get an understanding of what caused my Checking account to be closed, a Chase Bank representative stated that XXXX XXXX contacted Chase Fraud Department and allegedly confirmed that the check issued from your bank ( XXXX ), that was deposited into my account was fraud. Since XX/XX/2023 I have spoken with 3 different representatives from XXXX XXXX in which each representative stated that no one from XXXX XXXX has never contacted Chase, Nor has no one from XXXX XXXX made statements or allegations that the check received from XXXX XXXX was Fraud. XXXX XXXX is insisting that everything looks good on their end and that the dispute is with chase and that they dont understand why chase is holding my money. To furthermore add XXXX XXXX has contacted the IRS and they have also stated everything is good on their end and that they dont understand why chase is holding my money. I have tried to contact chase multiple times and have been getting the run around throughout this whole ordeal and each time I talk to a representative its a different reason why my money is being held.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: On XX/XX/XXXX, My son, XXXX XXXX, XXXX XXXX XXXX, and I purchased a townhouse located in XXXX, VA, XXXX with a loan from XXXX XXXX XXXX. I put down 20 % and XXXX XXXX provided the 80 % as loan. This loan was later purchased by Chase. On XX/XX/XXXX, XXXX XXXX and I, ( known as Buyers ), submitted an application to assume loan for the property with the purpose of relieving XXXX XXXX XXXX ( known as Seller ) from this loan obligation. The application clearly states that XXXX XXXX is the occupier of the said property and I reside at another property. On XX/XX/XXXX, Chase sent a letter requesting several documents that we spent several days to collected and provided. Sometime between XX/XX/XXXX and XX/XX/XXXX, someone named XXXX from Chase called to request additional documents, which we also provided. On XX/XX/XXXX, Chase sent another letter to request more documents which we completed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter rejecting our application to assume Loan which we are both originally on. The reason for rejection is Property not occupied by all borrowers. Again, both XXXX and I are on the original loan, we just ask to remove XXXX XXXX to fulfill her wish. We have not missed or been late on a single payment even after XXXX XXXX moved out in XX/XX/XXXX. We are both employed with steady income. The income presented to Chase along with our credit score and my asset prove that we are more than qualified to assume our own loan. Moreover, when we purchased this property in XX/XX/XXXX, I stated I do not live in the property when applying for the loan and it was approved. Upon several conversation with Chase and ask to reconsider their decision, Chase continues to stand by their decision which I feel it's an unfair practice and somewhat prejudice against our ethnicity or background.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Missed Payments- Due to financial hardship and Covid 19, I was unable to work during these periods. XX/XX/2022 XX/XX/2022 XX/XX/2022 Late Payments- Due to financial hardship and Covid 19. XX/XX/2022 XX/XX/2022 XX/XX/2022 I have disputed these remarks but to no avail.
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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: I have been a member of Chase bank for close to 15 years now I have a personal checking account personal credit card, along with a business checking account and business credit cards. Back in XXXX I was on a business trip with United airlines. United Airlines ended up delaying my flight so bad that I missed my connecting flight to XXXX left me stranded in XXXX, told me to purchase a different ticket and some goods in order to take care of myself since I was stranded, and I would be reimbursed. Once I got to XXXX it also became apparent that United had lost my luggage as well and I did not have access to any clothing or goods for four days, I was again told to make purchases in order to get reimbursed. I made some purchases that I needed through United with my United Chase business card. Once I got back to the states, I contacted United in order to get reimbursed for these charges and was given the complete runaround from. After multiple phone calls and emails it was becoming apparent that United was not going to handle the charges, so I called Chase bank as they are the co-partner of this Chase United business card. I called on XX/XX/XXXX and told Chase what had happened and that I wanted to dispute these charges, at that time these charges were taken off of my business credit card. I never received any communication about these charges. On XX/XX/XXXX I had still not received any word on the status of these charges. I called and was told the issue had been resolved. I decided to close my account as it had been over 2 billing cycles and was told this was resolved and I did not plan to do any more business with United. I was mailed a check for my negative balance on the account ( attached ) once it had been officially closed. On XX/XX/XXXXXXXX when I came back from a vacation in XXXX, I opened my Chase account to find that my Chase United business card had been reopened and that all of the United charges were back on the credit card and that there was a payment due by XX/XX/XXXX ( XXXX statement attached ). I HAD NOT received any communication about my account being reopened, or the fact that I was now responsible for these charges. Chase NEVER reached out to me to notify me what was going on. Ive proceeded to call Chase multiple times only to be transferred between the dispute department, the recovery department, and the fraudulent department for the next three weeks I spent over 35 hours on the phone being transferred between department to department and then being hung up on by supervisors. I was asked to send detailed information and evidence regarding the incident in XXXX in obtuse mods of medium like fax and mail. I complied, and also sent secure messaging on chases website as they refused to give me a case number in order to move forward. I would keep calling Chase back to ensure that this detailed information was received as I was told it was very important. I was also told that I did not need to make the payment on XX/XX/XXXX since this was already in dispute. Today, XXXX XXXX I called Chase again to see what the status of this process was regarding this. I talked to XXXX different agent and spent over XXXX XXXX hours on the phone. I had been told there isnt any information regarding the new dispute and fraud wont allow charges to be marked as fraud twice. This is why I am being charged late fee and I NOW have a whole brand new account I was told by supervisors that this is outside of the date range from fraud, and that there was absolutely nothing that could be done. This piece of information had never been explained to me in the XXXX hours a phone conversation that I had between dispute fraud and recovery department. I am now being told that I am responsible for these charges in spite of the fact that Chase coded this wrongly back in XXXX as these were supposed to be coded as a dispute and not fraud. I am told that I am going to have to pay for these and XXXX responsible for them in spite of their mistake and in spite of the fact that they NEVER communicated that this account was going to be reopen or that these charges were going to be put back on the account XXXX MONTHS after the issue occurred. I am not responsible for these charges. Chase should have communicated with me which they have failed to do since the get go.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A