Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today, XX/XX/2023 at XXXX Central Time, I received a phone call from " Chase Bank XXXX at caller ID XXXX with an individual claiming to be from Chase XXXXs Fraud Protection department notifying me of fraudulent activity, a charge of {$2600.00} to XXXX XXXX XXXX XXXX XXXX a Chase credit card account in my name. I did not make this charge, and no one in my family or other authorized person would have made this charge. I am also not entirely clear if I have any credit accounts with Chase, but I don't think that I have. I do have a XXXX XXXX in-strore credit card that I think is managed by Chase, but no other cards that I am aware of. They said that they were declining the charge, and then asked me to provide information about any other credit card in my possession in order to verify my identity. They did read out to me my home address, which was an accurate address. I became suspicious that they were asking me to provide card numbers/details about my " other '' credit cards, in this case I had an XXXX XXXX XXXX in my possession. While I was suspicious about this call and the request for information, there were elements that seemed correct and I did read out my XXXX card number and last XXXX digits of social security number. When they asked me to read out the XXXX digit security code of my XXXX card I did not provide that, and I stopped providing information. I then called XXXX and cancelled my card with them. The original caller also gave me his name - XXXX XXXX XXXX from Chase, a XXXX Security Analyst. He also gave me contact information for the FTC 's Bureau of Consumer Protections, which is how I found my way to this website.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My phone was stolen on XXXX at around XXXX and the thief got into my bank account by finding my password in my phone. He XXXX a random person Ive never had a transaction with since I opened my bank {$2000.00} without my knowledge, and another {$570.00} to my other bank account and XXXX the money from my other bank as well. On top of this, my identity was stolen as well because the thief found my social security. I tried telling the claims repXXXX this and there is still nothing they can do. They told me this is out of the banks hands, and you must contact another organization to get this resolved. Since the transactions took place on my phone that was stolen, they claim that the transaction was not fraudulent, even though it was. They are requesting compelling evidence to be able to approve the claim, but couldnt tell me what would be considered compelling.
Company Response:
State: IL
Zip: 60561
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I XXXX XXXX the president of XXXX XXXX diposited in my chase bank account {$100000.00}/ also recieved a zelle of {$30000.00} also diposited {$200.00} / chase closed the account for two months and the hold the money and not gave my back
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: can you send copies front and back of check # XXXX for {$5000.00} XX/XX/2018 send proof that you paid the taxes in XX/XX/2018 for my property
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Account was closed last year due to a third party check being deposited, the check was from a friend that lived with me in my dorm in college and he had went home for the summer due to classes being online and lived in XXXX at the time, the company chase then asked him to come in and verify the check which was not possible as I told them! They then proceeded to close my account when the check was not a legit check just was not able to get him to fly to the us to verify and then allows me to open a new account last Friday and as of today has put a restriction on that new account and will close it in 10 days without a explanation and the supervisor was very rude and hung up on me in my face!
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX th my account had a negative balance causing an overdraft fee. Instead of my bank declining further automated charges they allowed them to process sending my account into a lower negative balance. A total of three charges were allowed to clear although I didnt have the funds available in my account. Chase then turned around and charged me an overdraft fee of {$34.00} each for all three of those charges. Mind you two of the charges were lower than the fee itself as one charge was {$16.00} and the other was {$24.00}. My account was now in the hole over {$200.00} with most of that being overdraft fees. I cant afford that. Its ridiculous how predatory these banks are. I am currently in the process of switching to a bank that does not have overdraft fees because I cant afford being charged an overdraft fee for a charge you knew I didnt not have the funds for in the first place. Shame on you for your capitalistic strategies to take money from those who dont have it to begin with.
Company Response:
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: After reviewing my credit score on XXXX, I noticed that there was a debt to chase for a credit card amount for XXXX. After opening the credit journey service in my chase account, I was able to see that a credit card for the company was opened on XX/XX/2006, which was when I was XXXX XXXX XXXX. I also gathered that the creditor info was for a chase bank located in XXXX, delaware which I have no connection to and have never been to. I have already disputed the claim with experian as this credit card was opened without my consent or knowledge.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I received a text that money was being transferred out of my XXXX account to a person named XXXX XXXX. I called to let Chase know that it was fraud. Two charges totaling {$3500.00} were pending at the time of my call. Chase did not stop them and continued to take my information. I asked them to freeze my business account that the funds were being taken from. They said they couldn't freeze it. While we were on the phone another transfer from my XXXX was pending from XXXX XXXX again. They were able to stop this third transfer. I had to create a new account with a Chase representative because my security questions were compromised as well. I made a complete report with Chase and received a letter yesterday from Chase that the charges were authorized and I wouldn't get my money back. I called and went into the XXXX, NY branch today and they have not resolved this issue. I never allowed this transfer, do not know this person and was told by Chase to get a police report and look up the person. The person, XXXX XXXX, from my search, lives in Georgia and is an alias for someone else. A police report was filed today. I am awaiting a copy of XXXX XXXX made from XXXX XXXX XXXX. Chase was a complete disappointment and very unfair to me! I fraudulently lost {$3500.00} after being a loyal customer for 20 years! I've spent many hours unsuccessfully trying to have this resolved. Chase online was terrible and the fraud department was even worse. I will tell everyone I know not to use them and that they do not protect their customers. They offered to sell me additional protection for the future. There won't be a future with me, my husband, family and friends who will no longer be customers to this bank.
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, we transferred {$18000.00} from our Chase business account ( for our law firm ) into our Chase personal checking account. On XX/XX/2023, transactions started being declined and when we reached out to Chase on XX/XX/2023, we were informed that the fraud department flagged our transfer and our account was frozen. After repeated calls to Chase as well as XXXX visits to different local branches, not XXXX person could or would give us a reason. Everyone told us that they had no idea why and that they were going to close our account ( again no reason given ), and send us a cashier 's check within ten days of the account closure. On XX/XX/2023, we were told a cashier 's check was authorized to be sent to us and since the amount was over {$5000.00}, it would be sent overnight. We did not receive the cashier 's check until XX/XX/2023. That day, we endorsed the check and deposited it into another Chase personal checking account. We were told everything was fine and that it would be immediately available funds. The next day, XX/XX/2023, the funds were still on hold and would not be released... again for no reason that anyone could explain. We spent over an hour on the phone trying to get help and finally someone was able to release the check. Unfortunately, because Chase delayed releasing our money for over two weeks, we missed payments for our cars, we missed payments for other bills and we had many automatic payments missed and we lived without income this entire time. Banks should not be able to do this with customer 's livelihood.
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXX AV, XXXX, NY XXXX '' * " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. * XXXX XXXX : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. * XXXX XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. * It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A