Date Received: 2023-09-04
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I have disputed an Jpmcb account with all three bureaus ; its appears the credit card was opened in XXXX of XXXX with a credit card limit of {$7100.00} and a negative balance of {$1000.00}. I have notified all three bureaus that I was XXXX when this account was opened along with documentation from my probation officer. I received notification that the account was verified accurate. It was impossible for me to receive any goods or services from JPMCB during this time frame,
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I woke up to pay rent. To find my checking account. And savings account at XXXX. Theres a hold on both account and a transfer in process. In the amount of XXXX. To XXXX XXXX child support services. A levy the bank said was placed on account ( s ) checking and savings accounts. I immediately went to bank to ask questions for them to give me a number and tell me theres nothing they can do. I stated this transaction is fraud. No bank or lender or agency can access my account or drain it leaving me and my kids with XXXX dollars on the day rents due. I attempted to report fraud. For my payment ARE arranged and taken out my checks for child support. Then found out they advertise fraud services online and the form to fill out, but it does not exist. Therefore now I can not file fraud in a timely manner. This also is fraud. So my consumer rights have been violated. And to my understand. These accounts are not real. My checking account doesnt allow checks or a lot of things for they say its not a checking account. Please assist me. I would like my money returned. I never authorized or sighned any contracts with anyone ever to access my account or withdrawal or transfer money.
Company Response:
State: OR
Zip: 97701
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
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: Purchased a piece of furniture that we never received only to find out that the company has been scamming people exact same way for several months. Filed a dispute with chase bank giving them all the proper documentation showing that this company is scamming people. Chase bank contacted the scammers and sided with the scammers even after I produced all the documentation showing how many other people have been scammed.
Company Response:
State: CA
Zip: 95746
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: As of XX/XX/2023 I am unable to login to chase.com online web portal to see my transactions and do anything else with my account. Right after login I presented the screen requiring me to accept some new agreements. First agreement is 10 pages long, and second agreement is 125 pages long. It is unacceptable to block access to my account before I read 135 pages of legal text. Also there is no option to decline or even contact customer service via secure message, since I need to log in before that.
Company Response:
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$490.00} XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$70.00} XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$200.00} Paid the XXXX XXXX XXXX via XXXX online bill pay. The business claims they did not receive the payment and they provided proof that their bank account, also XXXX, does not include a deposit for the payments above. We opened an investigation with XXXX requested proof the funds where deposited and they stated, " We found the transactions was processed according to the information you provided or was authorized. '' They failed to provide proof the funds were deposited and gave us two different answers stating the payment ( s ) were made electronically then physical checks were mailed. They refuse to give us a copy of the endorsed physical check ( s ) or a tracking number for electronic payments.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon reviewing my credit report from XXXX, XXXX and XXXX I noticed two recent credit inquiries made by Chase Bank on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made without my consent or knowledge. I would like to clarify that I have not initiated any credit applications or transactions with Chase Bank during the time frame indicated in the inquiries. My account has been closed and i am not able to bank with chase. These unauthorized credit inquiries have the potential to negatively affect my credit score and overall creditworthiness, which is a matter of significant concern to me.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: i took a balance transfer service from Chase Bank on my credit card. they charged me XXXX for XXXX for XXXX months. i called up and asked when is my balance transfer period ending. i was advised that XXXX will be my ending month and that i should return the money before the billing period expiry. i did make the payment but i was charged {$200.00} fee for interest charges. i called up to dispute and they did not help me with that. i closed the account. but now they are still charging me interest and late fee on the earlier applied interest. request you to please help me with this issue and this is causing me unnecessary harassment. i do not like to be in debt and this is like unwillingly pulling me in that. i have attached the account statement for reference. it is very clear that i made the payment well before the statement generation and they still charged me interest.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have had my checking account with chase since 1998. About 6 months ago, a local branch called and asked extremely personal questions with regard to my monetary activity to which I answered completely, and then shortly afterwards chase closed my account for no reason. No explanation was offered. I have done nothing even close to illegal and have been a loyal customer for nearly 25 years.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I was charged a monthly fee for only a second time since I opened chase checking bank account in 2014. I have recently downgraded my account to total checking account with XXXX $ monthly fee unless I meet certain requirements. On the site it looked like one of the option to waive the fee is real time payments in the total of XXXX XXXX I received XXXX $ through XXXX on XX/XX/XXXX and I was sure I met the requirements. However chase has charged me XXXX $ on XX/XX/XXXX. I went to the branch and I also made telephone calls and secure messaging with chase in attempt to understand the problem and to reverse a fee. The representative on the phone explained that if I use XXXX to qualify the amount of money received should be totaling in XXXX XXXX This was a surprise for me because nothing like this was mentioned on chase site. If I knew I would, of course make sure to receive XXXX $ XXXX payment instead of just 3 thousands. Anyway I shared with agents my frustration with the fact that such important condition was hidden and it's exactly what made me so confused. Because in the previous months I happened to receive over XXXX $ XXXX payments and I was never charged a fee so I was sure that qualifying for a fee waiver is definitely possible with just receiving XXXX payments. But nowhere would chase specify that the amount should be XXXX $ so I obviously had no way to foresee that I'm not meeting the requirements this month. Unfortunately chase refused to be flexible and reverse the only second monthly fee that I ever asked to reverse since opening account in 2014.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I submitted the following complaint. The complaint # is XXXX and I do not agree with the bank 's response. Dear Sir/Madam, I am writing to formally file a complaint against Chase Bank due to their mishandling and neglect in a case of fraud concerning my bank account. On my recent trip to Louisiana, I was the victim of a fraudulent transaction that accessed my bank account without my knowledge or authorization. What's more distressing is that Chase Bank, despite evident security issues, failed to take necessary protective actions to secure my account and is now refusing to acknowledge their lack of security and take responsibility. To elucidate, on XX/XX/2023, I had a conversation with a representative from Chase Bank regarding the unauthorized transaction of {$3700.00} that took place on XX/XX/2023. The representative confirmed to me that the PIN associated with my account was incorrectly entered on the first attempt of the said transaction. The perpetrator succeeded in the subsequent attempt. I inquired as to why my card wasnt locked or flagged, considering the wrong PIN entry and the unusual nature of such a transaction for my account. The representative had no satisfactory response, only mentioning that the issue had been escalated to his superiors. It's alarming to think that such a large transaction, which is atypical for my account, combined with an incorrect PIN entry, didn't trigger any security protocols at Chase Bank. It raises serious concerns about the bank 's commitment to protecting its customers ' funds and personal information. Furthermore, Chase Bank did not request a police report when I first reported the fraud. Even after escalating the matter, the executive office neither asked for the police report nor inquired about any detailed specifics regarding the fraudulent transaction. It is disheartening to be in a situation where, as a loyal customer, I feel let down by a financial institution that I entrusted with my funds. I request the CFPB to intervene in this matter, not just for the recovery of my funds but also to ensure that such security lapses do not affect other customers in the future. Thank you for your attention to this serious matter. I am hopeful for a prompt and just resolution. Sincerely,
Company Response:
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A