Date Received: 2023-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: There is illegal collusion between the federal middle district Court in XXXX and Chase Bank. In XXXX, a realtor friend of mine warned me that he heard that Chase Bank asked the FBI to get me on " something '' because I refused to answer any of their " Have you stopped beating your wife? " self incriminating questions at their disposition. I had never been arrested before in my XXXX years of life but when the FBI pointed XXXX Glocks ( these guns have no safety and we're inches from my head! ) at me and ordered me to " drop the broom! '' I was holding, I was arrested, handcuffed, leg shackled and taken to jail. They told me I had been secretly indicted by a grand jury, that I never saw, and nobody bothered to inform me that I was wanted for bank fraud, ( exaggerating my income on a Chase Bank mortgage loan application ). I have a reverse mortgage and social security income of XXXX a year. The XXXX XXXX XXXX XXXX XXXX is taking {$100.00} a month from my social security. I have paid over {$6600.00} so far since I got out of prison in XXXX, but Chase Bank has never answered my many motions to judge XXXX to confirm that Chase received any of my money. I have no debts. But my federal judge, XXXX XXXX, put Chase 's XXXX for $ XXXX on my house in XXXX, which is only worth {$200000.00}! This XXXX is illegal because Chase Bank never sent me an independent audit proving that they lost XXXX XXXX from my XXXX mortgage foreclosure That's the law requires! This Federal restitution XXXX on my homestead in Florida is preventing me from refinancing .Chase Bank never sent me a independent audit ( despite my many requests! ) as a banker informed me, '' They can not just pull figures out of the air and say you owe them this amount! They must give you an independent audit to prove their claimed losses or you don't have to pay them without this proof. '' XXXX XXXX, Chase Bank and XXXX XXXX also say I owe them the same amount XXXX XXXX for my XXXX foreclosures on XXXX different properties, for XXXX different prices, on XXXX different dates, which is statistically impossible and my judge believed them! My many motions to my federal judge to remove his illegal XXXX on my home has resulted in nothing but a veiled threat that the government can seize my home and that my complaint is " trivial '' ( a XXXX XXXX dollar restitution XXXX, Trivial? ) This is a lifetime sentence and is cruel and unusual punishment! XXXX XXXX
Company Response:
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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: On XX/XX/23 I made a purchase using my Chase credit card in the amount of {$470.00}. The item says it was delivered on XX/XX/23, however I was not able to find the item and reached out to the merchant on XX/XX/23 at approx XXXX. The merchant representative told me that, since the item was stolen, I needed to file a police report. The representative also told me they would not issue a refund and that my only recourse was to hope the police recovered my missing item. I filed a police report, and then I disputed the transaction with Chase. On XX/XX/23 Chase uploaded a document to my account which stated that Chase believes the charge is valid, and included in the document were copies of the merchant 's receipt, a copy of the map of the city, and a photo of the merchandise sitting on the ground. Nowhere in the documentation is there any mention of where I can submit my supporting documentation. On XX/XX/23 I called the Chase dispute department and asked how to submit my supporting evidence, and the representative told me " Chase disputes no longer cover theft and this issue is considered fully resolved. '' This is in violation of the information listed on the FTC 's website regarding credit card disputes. Furthermore, in Chase 's own supporting documentation for the Chase Freedom Unlimited credit card it specifically states " XXXX XXXX protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within XXXX XXXX XXXX ( XXXX ) days from the date of purchase. '' Chase is blatantly violating FTC regulations and is violating their own terms of service for their credit cards. I've also included a copy of a photo of a sign the property management company hung in the lobby of my apartment building because someone broke in and stole a bunch of packages from people. I would be happy to provide Chase with a copy of the police report number once a representative from Chase reaches out to me.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: I went through a divorce back in 2000 in which the judge ordered our home split and sold. My ex then fraudulently got a default status only divorce with the financial portion to be bi furcated. It took me years to even understand what had happened and it never went to court for the financial portion to be split regarding all of the buildings we owned. I could never get an attorney to take my case because when they saw how badly I had been hard done by, and by whom, they didnt want to touch it. Besides I had no money at this point. My ex then lied to the Judge and told him that I was holding up the process. I went to court to defend myself but because of the lies accusations the judge was not on my side and told me to sign off of my house or be in contempt. But when I signed I said that I was signing under duress. My ex became very ill and he had to sell the house so he had his daughter who is a realtor, sell our home and never gave me my share of the equity.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fraudulent Debit Card Transaction : On Sunday morning XXXX at XXXX ( pst ) I was awaken by email alerts on my phone. It was Chase bank notifying me that my balance of XXXX that I had checked before bed was now XXXX. I sprung out of bed and called my bank 's fraud department right away at XXXX and had my card and pin cancelled and claims opened. My debit card ending in XXXX was in my possession in my apartment in XXXX XXXX. Bank account activity showed five transactions overnight. Three times in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XX/XX/XXXX minutes apart totaling {$690.00} and in twice at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX minutes apart totaling {$190.00}. Grand total of amount stolen {$880.00}. I was reassured by Chase during my communications with them that I would be protected, but my claims where never filed correctly which made me call everyday since Sunday adjusting ATM fee 's and opening multiple duplicate claims and speaking with many different departments, escalation teams, and phone representatives with lots of confusion and sometimes unprofessional attitudes from their part. On Wednesday XX/XX/XXXX I called and followed up on my claim # XXXX for purchases made Three times in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca XX/XX/XXXX minutes apart totaling {$690.00} which I had to open two claims for because Chase Fraud representatives did not accurately report all fraudulent activity after being assured by them that I would receive a chargeback ... I never did. Chase Fraud then proceeds to tell me that within one day they have decided that the transactions are valid and my claim has been denied. That's the quickest decision ever made by the claims department within the years I have banked with them, but for a fraudulent transaction I'm baffled. Just last month I was issued a new card when I had an alert of an attempt on my card and I mentioned it wasn't me. My new dedit card I've had for maybe about a month. I ask why they came up with that decision and they mention my pin was used and a chip was entered so that proves it was me. You can see my previous transactions, you can see the moment I called them that this is clearly fraudulent. Why were some of my transactions that same night approved as fraudulent yet the other weren't? They say theres nothing they can do and I got very emotional after that and proceeded to cry during my entire work day 'cause that money was for my rent that Chase can see I do monthly through this account. My security has been breached Chase assured me falsely and let me down. I have no protection. I then proceed to visit a branch in XXXX CA and speak with Vice President and Branch Manager XXXX XXXX. NMLS ID : XXXX. XXXX proceeds to assist me and review my accounts. She notices this is clearly fraud and calls the same department I have been in contact with. For the next 20 mins XXXX debates with the fraud department and mentions " this is clearly fraud look at this customers previous transactions look at the area these transactions take place by her home address. '' Chase Fraud proceeds to tell her " a pin was use so it's valid '' She then mentions they should use " common sense '' to see my card was used in two cities in two gas stations minutes apart and with {$40.00} cash back for two transactions. She then mentions that they should be aware that cards and pins and information can be tampered now with todays technology and that me ( the customer ) is here in person wondering why Chase hasn't helped her? They proceed to repeat the same decision and XXXX is clearly irritated as well. She hangs up looks and me and mentions " you should file a police report if you can '' and apologizes for everything. I called Chase claims today XX/XX/XXXX to obtain information in writing about my claim that has the pin decision, but mention they " can not provide me with that as this is under investigation ''? I thought a decision was made?! I then mention I have a police report and they mention I should Fax that to them and I do right away. I am here to say the following : I did not make these purchases. I did not and have never shared any personal information regarding my account, card number, or pin. I was home all morning of XX/XX/XXXX. I have never visited these establishments. I did not authorize anyone to use my card information or physical card. I have attached PDF 's of supporting documentation and communications such as transaction details, emails, and phone calls. Thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I am writing to you in desperation after being denied any help from the major financial institution that is Chase Bank. I was recently the victim of XXXX and identity theft. Chase is refusing to reimburse my money and continues to deny my claims 30 days later. My entire life savings has been wiped out and I am now in debt. Here is a timeline of events that took place Saturday night/ Sunday morning XX/XX/XXXX and XX/XX/XXXX in XXXX XXXXXXXX, Texas. I lefXXXX XXXX XXXX XXXX around Midnight at XXXX XXXX XXXX XXXX and went to XXXX 's at XXXX XXXX XXXX with several friends. Once arriving at XXXXXXXX XXXX XXXX XXXX I used my card twice for drinks XXXX for {$43.00} And again at XXXX cst for {$65.00} From this point on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The detective I'm working with : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX | XXXX The following stolen : Corporate Credit Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX in cash between ATM and what I had in my wallet at the time After reviewing charges with the bank this is a timeline of the fraudulent charges : Debit Card XXXXXXXX XXXX XXXX Transaction XX/XX/XXXX - XXXX XXXX - {$14.00} ( Detective ) I vaguely remember being at the gas station with this woman who forced me into her vehicle Next charge was using my cellphone for XXXX XXXX payment to XXXX XXXX XXXX Bank record shows sent to name - XXXX {$1000.00} ATM withdrawals XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX ( I visited the ATM / bank branch and the XXXX XXXX XXXX XXXX mentioned the XXXX would need to be the ones to force Chase to pull camera recordings from the ATM etc. ) Series of charges on my Chase cards ensued : XX/XX/2023 XXXX XXXX XXXX # XXXX XXXX XXXX Texas {$380.00} XXXX XXXX XXXX XXXX TX {$1000.00} XXXX XXXX # XXXX XXXX, TX {$1000.00} XXXX ( cash back {$1000.00} + {$3.00} purchase ) XXXX XXXX XXXX XXXX, TX {$1000.00} - XXXX cash back {$1000.00} + {$3.00} purchase ) XXXX XXXX # XXXX XXXX TX {$1000.00} ( cash back {$1000.00} + {$3.00} purchase ) XXXX XXXX XXXX XXXX TX {$1100.00} XXXX purchase {$1000.00} cash back {$100.00} ) XXXX XXXX XXXX XXXX XXXX TX {$22.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$400.00} XXXX XXXX XXXX TX {$1000.00} XXXX XXXX # XXXX XXXX TX {$750.00} XXXX XXXX XXXX XXXX TX {$1000.00} ( purchase {$3.00} + {$1000.00} cash back ) XXXX XXXX XXXX, TX {$1000.00} ( purchase {$3.00} + {$1000.00} XXXX back XXXX XXXX XXXX XXXX XXXX, TX {$120.00} I also had 3 additional XXXX XXXX, Tx charges made on my corporate credit card image.png I believe these similar stories are what happened to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase bank will not work with me to return my funds until there is a police report to share back with them I am minus {$5600.00} in debit. This is all evidence based fraud and I am another victim of what seems to be a crime growing in popularity in XXXX. Please call me if you can help Thanks XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Since XXXX i been a victim of identity theft, since that time I have been receiving U.S. mail and phone calls regarding accounts being opened in my name. In XXXX I filed an identity theft report with the police department. On XX/XX/XXXX I became aware of a fraudulent account that appeared on my credit report with the name of Jpmcb Auto account number XXXX and realized that I had never applied for such an account so I filed an FTC report with the Federal Trade Commission, I filed an identity theft affidavit with the XXXX XXXX police department and filed Legal notices to cease and desist their activities and remove the fraudulent account from my credit report. I sent them everything required by law to remove the fraudulent account. My Drivers license and social security card with my current utility bill to validate my identity. I sent them a valid identity theft report from the FTC and police department which JPMCB auto, XXXX, and XXXX denied and claimed to be fake or invalid reports.
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2023 discriminatorily denied extension of credit applicant has in good faith acted on one of their rights under the federal credit laws
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have an issue about the points accumulation for the most recent statement on chase card ending in XXXX. I tried to contact chase both via phone call and their internal message system to try to fix the issue, but I never got any reply. ( XXXX ) I am including the original message below, and the supporting doc I uploaded to Chase as well in the attachment. ================================================================= i have a question about the points accumulation for the most recent statement. Even I have a reversal transaction ( XX/XX/2023, category as other for rewards earning purpose ) within this statement, I had more spending ( some with category as airline tkts, car rntls, rstrnts for rewards earning purpose ) which leads to a positive statement balance, and which should lead to a positive reward points accumulation on this statement. However, I got a Negative XXXX points on this statement. Please help to fix the issue, and I am including a detailed dollar amount and reward points calculation sheet for you to review. Thanks
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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: 347XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was notified by my XXXX monitoring system that there was an inquiry about my credit on XXXX and on XXXX it occurred again. I contacted XXXX again, they notified me that it was a JPMB Card XX/XX/XXXX JPMB XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB XXXX XXXX JPMCB CARD XX/XX/XXXX I contacted JPMCB and directed them to remove this as it was not me.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A