Date Received: 2023-08-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: While seeking an apartment in XXXX XXXX via XXXX, I engaged with XXXX XXXX who presented himself as a realtor, complete with a real estate website link. Our discussions moved to email, where he provided details of a XXXX XXXX studio with a monthly rent of {$1500.00} and an upfront payment of {$2500.00} ( {$1500.00} for the first month and a {$1000.00} security deposit ). Given that I was overseas, I proposed a site visit by a local friend, which XXXX XXXX declined due to an alleged current tenant. He provided an internet bill and California ID as authenticity proof, prompting me to transfer {$1500.00} via XXXX and {$1000.00} through Chase Bank. I am currently disputing both transactions. Chase Bank has said that since the payment was made through XXXX ( a quick payment service offered by Chase ), they can only file a complaint. I have not received any confirmation of this complaint yet. With XXXX I am waiting on a resolution to my complaint, I have offered them all the details of the fraud ( emails, texts, proof ). I made the transactions over 1 month ago ( XX/XX/2023 ). Subsequent to the payment, the supposed XXXX XXXX ( whose ID document I am in possession of ) immediately requested additional funds for purported renovations. Despite my multiple requests for a receipt and property viewing, he persistently sought further funds and eventually ceased communication, also blocking me on XXXX. Upon my return to the XXXX, I intend to report this to the police, particularly since the payment through Chase Bank was transacted to a XXXX account.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a XXXX XXXX credit card, issued by Chase bank, in XXXX 2022. I opened it because of the promotional offer ( which is still on their website ) of XXXX miles when you spend {$3000.00} in XXXX months. I ended up spending around {$3500.00} in LESS than 3 months. I tried twice, maybe XXXX times to contact Chase but they wouldn't award me the miles. They tried to say I didn't meet the criteria? They could see on my statements that I spent well over the required amount. I can provide the statements to CFPB if needed.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: **I AM SUBMITTING ADDITIONAL DOCUMENTATION PROVING THAT THE CHARGE WAS FRAUD** XX/XX/2023 : I was fraudulently charged {$1700.00} for an XXXX XXXX XXXX XXXX TN purchase. I did not authorize or make this purchase. I have never had a contractual relationship with XXXX or XXXX XXXX XXXX XXXX TN. XX/XX/2023 : I made a claim with Chase stating that I did not authorize/make this purchase. XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. XXXX in return told me that since it was Fraud, legally, only Chase could do something about it. XXXX told me that legally, because this was a fraudulent purchase, I would have to go through Chase to get my funds back. XXXX provided me with the rental agreement for this purchase of {$1700.00}, which shows that I did not enter into a contractual relationship with XXXX ; it shows another person who did instead. I do not know this person and I did not authorize this person to charge my card for this transaction. I have uploaded a copy of the rental agreement which proves beyond a reasonable doubt that the {$1700.00} withdrawn from my checking account was fraud.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I took the balance transfer from chase and then after that I set the auto payment to minimum due amount but chase tried for the full payment my bank does not have sufficient funds and then they charged me overdraft charges. After couple of days they retry again for full payment and again they charged the overfldraft fees. Chase also again charged me on the returned amount XXXX XXXX I asked the proof from chase on retry terms and conditions on agreement and proof for auto pay for full payment they have not sent me for 2 months. They are keep on interest charges to my account.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XXXX XX/XX/, I called chase to check the status of a deposit for the 3rd time. All the previous calls i was told different answers and was given no concrete idea of what was happening with my XXXX check. Finally after to speaking to a supervisor i was told they check would be held fro 10 days and there was nothing they could do it was company policy. The check was coming from a insurance company and wells fargo. I then asked to speak to her supervisor and was told i would have to wait 2 business days for that supervisor to get back to me. Chase is MY bank and has been for years but is dong nothing to help me and i have never heard a company ever just speak more company line jargon to avoid fixing a problem and they fact that 2 different representatives gave wrong information yet there is not any accountability is just absurd. The only person that is suffering here si me as my money is being held hostge by chase and they have no accountability.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2023 I tried logging into my chase bank account, Instead I was locked out of my account due to suspicious activity. I Called the number provided and was told my account was cancelled and under investigation and that I could not withdraw my funds. I went to a branch and was told the same thing. The rep let me know that I have an available balance of XXXX and that a check would get mailed out to me that I would receive it in 20 days possibly. This will cause me to miss paying my bills and me and my family the possibility of becoming homeless if the process isnt handled before 20 days.
Company Response:
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We mailed a check to IRS for {$25000.00} on XX/XX/XXXX. Several days later we have received a call from XXXX XXXX XXXX informing us that someone tried to deposit a fraudulent check but it was caught. Our check to IRS was intercepted through the mail system, washed and rewritten. XXXX has informed us that the funds were safe and we just need to let XXXX ( our bank ) know to process the request for refund. We have notified XXXX immediately and opened a claim. The claim has been mishandled over and over. Initially, submitted documents were not being added to the claim despite two bank branch submissions. After nearly 3 months of followups and revisiting, XXXX closed the case stating that funds were refunded, which was incorrect. So the case has needed to be reopened. It was not until middle of XXXX that XXXX has finally submitted a request to XXXX for the refund. Upon multiple followups, we were informed that this process can take months as banks take their time in responding. It is not clear why. As of today, we have received a letter stating that if within 90 days, the case would be closed. This is despite the fact that claims respresentative has informed me that we will have to wait, as the case may take time. And apart from not taking proper action for nearly 4 months, XXXX is still not providing us an update It appears that both XXXX and XXXX are being deliberately inattentive so that they do not have to refund the {$25000.00} It would be appreciated if you could help us with this case
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX chase Manhattan Bank USA, / chase Today, the assistance of CFPB is requested for this matter. My heloc charges could ONLY occur via my writing of chase supplied personal Draw Checks. Yet, incorrect account balances, overcharges massive, and ongoing fraudulent activity on both accounts. Despite LEGAL evidence presented to chase they continuously ignored it. Even telling me once, If you dont like it, sue us! KEY : This CFPB claim involves two chase heloc lines of credit. Each account had Draw Checks bearing my account numbers ( # XXXX and # XXXX ) on them while open. Had fixed interest rate freeze option. No pre-payment penalties. Never merged. Never open simultaneously. Never paid late. Had identical terms. Had pre-approved lines of credit. Charges only by DRAW CHECK use. NO cash advances. Since XX/XX/XXXX, ( almost 20-years now ) I been paying chase over {$500.00} monthly for two ( 2 ) PIF heloc Home Equity Lines of Credit. In XXXX, chase had the audacity to extend the term totaling 54 years ( from XXXX to XXXX )! The problems vary : My first Lines of Credit ( account # XXXX ) was opened in XX/XX/XXXX ). Contentiously, chase kept on adding illegitimate charges to my account and without proof.. So, on XX/XX/XXXX, I just PAID chase {$39000.00}. See my receipt via Docs 3 and D1. Considering that any chase heloc held a small collateral interest on my home. My plan was payment stopped all chase charges ; granted opportunity for balance correction ; and allowed chase to refund me for payoff overpayment. However, chase never complied. Meanwhile, my security was backed by proof of payment in multiple forms. First heloc, the county courthouse filed Satisfaction of Mortgage ( Instrument # XXXX ) in XX/XX/XXXX for my account # XXXX for my Home Equity Lines of Credit ( approved for up to XXXX ). See Doc 5. Second, my credit reports that showed PAID. Never Late. Closed. See Doc 7 and 8. However, the request to report my status for almost 14-years ( from XX/XX/XXXX until XX/XX/XXXX ) concerned me ( double the 7-year reporting status ). See Docs 2, 3, 4, 5. The chase processing payoff document is attached. See Doc C. Also, Third, chase letter confirming I Paid in Full account # XXXX. See Doc 6. So, PIF and closed! Second heloc, my new account Home Equity Lines of Credit that was approved for charges up to {$70000.00} after I paid off the XX/XX/XXXX ( satisfied above ). My new line of credit checking account number was # XXXX. This account was opened with a XXXX balance. See chase Transaction History - Doc 4. In XXXX, chase started harassing and threating me saying you either refinance or we will foreclose on your house! For years, I kept close record keeping, paid by checks, branch bank visits, customer service calls, mailing Qualified Written Request /QWR letters for correction, researching consumer rights, balancing, and saving my receipts. Very aggressive foreclosure harassments started with denying acceptance of my timely monthly payments at the bank. Again, stating that I had the call the XXXX chase number and refinance. But, I refused. So, chase started taping bright neon colored large print foreclosure warning notices on my garage door. This embarrassing tactic still did not force me to refinance because as I told them I do not owe you. You owe me, my helocs are PIF. Regarding my homes chain of title positions with loans, wells fargo mortgage held the first position. And chase held the second title position. Again, chase practiced refusing my on time payments unless I refinanced. Then turned around and started foreclosure procedures against me for non-payment. Considering that XXXX XXXX XXXX ( XXXX ) had been actively putting many of my mortgage payments into their UNAPPLED FUNDS account ; plus, reporting me late or behind ; I was able to making multiple payments and prove them incorrect. Thus, my wfm on time status was reset. Bottom line, XXXX XXXX XXXX could not foreclose on me. Instead, chase foreclosed on me. In court, chase filed a Motion to Dismiss. Then, while out of court, chase extended a loan modification with a reset payoff in XXXX vs XXXX for their false helocs balances. As you can see, multiple RESPA and TILA, etc. violations were violated by this bank institution. Below, I request a FRAUD investigation. Since chase added {$17000.00} approx. onto their new false loan modification. Ironically this new chase loan modification amount is {$79000.00} with interest, fees, tips, etc. added onto their chase # XXXX account. Previously, chase identified this account as being # XXXX ; all while collecting payments from me during XXXX to XXXX. Two PROBLEMS : Problem 1 : chase identified the XXXX account as # XXXX aka The Loan and chase totally ignored my plea that this was the wrong account for me. I shared that my line of credit account number was # XXXX. Second, chase assigned their new load modification number as being # XXXX and started collecting payments from me again on XX/XX/XXXX ( at {$160.00} for 60 months ). Problem 2 : my credit report ( XXXX - see below ) shows strange account # XXXX. This is NOT my account. But, it shows a {$79000.00} chase balance. This amount is IDENTICAL to chases new loan modification amount. Plus, it shows the same open date XX/XX/XXXX as mine. AGAIN, THIS INFORMATION USES A FRAUDULENT chase account number under my name. Then, chase arranged for me to pay their cost. Similar to # XXXX aka The Loan from chase XXXX Fraudulent account. Additional, examples of these Fraudulent account scenarios are identified below. See all Doc 14. ______________________ My first account # XXXX ( after closed and second opened ) requests. 1 ) Why does my credit report state : Keep this PAID, CLOSED. Never Late Account on credit reports until XX/XX/XXXX? ANSWER : TILA - The creditors intent is NOT relevant. Since XX/XX/XXXX was my projected mortgage payoff date. Sure enough chase started their planed foreclosure tactics ( see question 2 ). 2 ) In XXXX, chase started very aggressive foreclosure harassments with me. For example, chase started denied acceptance of my timely monthly payments at the bank. Demanding me to refinance my XX/XX/XXXX heloc or face foreclosure! I refused. So, I mailed in my check payments instead. But, chase returned them to me in the mail. Stating refinance or face foreclosure. Constantly, chase would call and write me with demanding that I refinance or they would foreclosure and take my home from me. I stood firm that my two XXXX heloc loans were PIF. And that chase owed me money. Then they started taping bright neon colored large print foreclosure notice warnings onto my garage door as embarrassment. They ignored all of my LEGAL evidence presented to them. __________________________ ANSWER QUESTIONS BELOW My second account # XXXX ( after first closed ) requests. * QUESTIONS and CONCERNS ( from above chart ) : 1 ) Notice my Transaction History on XX/XX/XXXX had a XXXX balance. ( See Doc 4 p.1 ). I am requesting all personal check copies posted from my # XXXX account only. 2 ) My official loan records confirm # XXXX as being my loan number. ( See Doc D ; and Doc D1 ( bottom of p. 9 ) ). Therefore, I am disputing any association your # XXXX account that belongs to someone else. The information below in Chart C. via XXXX Credit report confirms it. 3 ) My XXXX credit report ( dated XX/XX/XXXX ) reads As of XX/XX/XXXX, this account is scheduled to go to a positive status ( See Doc 8 ). What does this mean? It a 4-year gap. 4 ) My XXXX credit report ( dated XX/XX/XXXX ) reads account previously in dispute. Now resolved ( See Doc 8 ). What was the dispute? How was did chase resolve the issue? 5 ) Per chases Transaction History ( Doc 4 p. 1 ) on XX/XX/XXXX my balance was XXXX. On XX/XX/XXXX you posted my XX/XX/XXXX payment {$40000.00} on XX/XX/XXXX ( Doc 4b p. 3 ). Why was there a {$44000.00} Decr Uncollect on XX/XX/XXXX? What does Decr Uncollect mean? ( Doc 4a p. 2 ). 6 ) What did chase use the {$68000.00} Decr Uncollect for on XX/XX/XXXX? See ( Doc 4b p. 3 ). 7 ) Why does this {$68000.00} Decr Uncollect amount match to the dollar the FRAUDULENT revolving chase mortgage account ( # XXXX ) listed in Chart C below ( See line 14 a-d )? 8 ) Via chases Motion to Dismiss, etc. your loan modification shows {$63000.00} of unpaid principal ( over 12 years from XXXX to XXXX ) including a {$40000.00} pay down. Plus, interest of {$16000.00}? Explain your math. ( See Doc 11 ). 9 ) I claim FRAUDULENT CHARGES on all unknown accounts shown on my credit report via XXXX Credit Report ( XXXX ). My only two known heloc Draw Check ( XXXX ) accounts being # XXXX and # XXXX.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This complaint was already submitted under certification code XXXX. I received a requested for documentation while managing a medical emergency. If you require supporting documentation- please let me know and I can submit that as well. Summary of original claim : The history is as follows : My father ( XXXX XXXX XXXX opened a Chase credit card in XX/XX/XXXX ending in XXXX. As his daughter, I was designated as an Authorized User. That account was closed in XXXX and a new number was assigned to the account now ending in XXXX. ACCOUNT ENDING XXXX My father passed away in XX/XX/XXXX. In XXXX, I received a bill for his credit card in my name to my address. I have a copy of that statement if you would like. I spoke with Chase representatives about this issue multiple times during XXXX. Some key dates related to the information provided in this complaint are : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase claimed that I was not an authorized user but a joint user - leading them to report to my credit score bills that consisted solely of my father 's charges. On recorded lines, Chase representatives refused to provide me with documentation of joint status but claimed that my father upgraded me from an authorized user to a joint user. After meeting with multiple supervisors of local branches it was affirmed ( supervisorID : XXXX on XX/XX/XXXX ) that no one can " upgrade '' a person from authorized user to joint owner without consent and without application to Chase. I was also told by this same supervisor that Chase last had a status option of joint ownership, in the XXXX and XXXX. However, in the years at issue with my father 's bill, there was not even an option for joint ownership of a credit card account. At no time did I ever apply for status as a joint owner of the account or agree to be a joint owner. Since the summer of XXXX, I have repeatedly requested documentation proving Chase 's claim that you were a joint owner was repeatedly refused. In XXXX, while advocating to have XXXX remove my name from the account ending in XXXX, I received a separate bill for over {$100000.00} in my name for an account ending in XXXX. It turns out this was my stepmother 's account ( she died 9 hours before my father ). She was not legally connected to me in any form that I know of and I have no idea how her expenses were put in my name. ACCOUNT ENDING XXXX The last bill I received was in XX/XX/XXXX. I have copies of the bill from XX/XX/XXXX that I can send if you require it. That bill shows the following : Previous Balance -- {$16000.00} CREDIT -- {$97000.00}, for a remaining balance of NEGATIVE {$81000.00} Until XX/XX/XXXX, bills continued to come in my name on my deceased stepmother 's ( XXXX XXXX XXXX ) XXXX account, even though the XXXX XXXX balance was a negative {$81000.00}. I have claimed fraud to Chase in relation to both instances -- accounts XXXX and XXXX. Chase seems to have now merged my father 's expenses and my stepmother 's expenses into one bill because the XXXX account has charges from the XXXX accounts ( such as my father 's assisted living and prescription medication -- not one expense that I charged ). Presently : The balance of the account ending in XXXX is still being reported to my credit score, despite my having no access to those cards or accounts and the charges within being 100 % my father 's and his wife 's. Chase is claiming that despite the account not showing up on my online banking, their records show that I am liable. I demand that these bills cease to be reported to my credit score and that the errors in reporting since XX/XX/XXXX be corrected. _______________________________________________________________ I would like to resume and respond to my complaint about JP Morgan and Chase Credit Card. On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX with Chase letterhead stating that the accounts detailed in my complaint are fraud and I am not liable : " We completed our review and the account will be accepted as fraud and you are not liable. '' However, Chases executive office called me stating that they refuse to correct my credit score because I am liable for my father 's credit card debt. They claim I am a joint user on the card. I said that I would like documentation Ive requested for three years that supports this claim and they said they cant provide it only the estate team can. I told them I requested it from that team already and they told me that their records show it was provided. I never received anything. As mentioned in my original complaint to XXXX all of these charges are those of my deceased father and his wife. They are reporting my deceased father and stepmother 's debt to my credit score despite the affirmation that these charges are fraudulent and I am not liable. How do you recommend I proceed with having my credit score corrected and ensuring Chase ceases harassing me? Thank you, XXXX XXXX
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX 2023 I received a promotion for a XXXX XXXX XXXX Credit Card from XXXX XXXX XXXX applied for during that same month. The promotion was that if I signed up for the card and met the {$5000.00} spend, I would receive $ XXXX XXXX Award miles AND XXXX XXXX ( Premier Qualifying Points ). After meeting the spend withing the first month, I was eventually awarded the award miles, but I never received the XXXX XXXX. In XXXX I called XXXX to inquire about this who passed me to Chase card services. Chase told me that she saw the application on my account and that she would get.it fixed for me no problem. In XXXX, I received a notice from Chase that they denied my promotion correction request. I called again and this time spoke with a XXXX that told me that while he did see the promotion and that I did meet the required spend and applied during the correct time, that they would not be able to get me the promotion because I didn't 'qualify ' for it despite them sending me a mailer. He told me that I could continue to fight it with Chase and end up with no benefit, or he could give me XXXX XXXX instead and end the dispute. I opted to end the dispute so I didn't have to keep wasting time with Chase on this issue. In XX/XX/2023, I received a letter from Chase that they denied my XXXX XXXX promotion. Also in XX/XX/2023 ( today ) I found a reddit thread on reddit.com/r/unitedairlines that someone else was also having this exact same issue with them being denied the promotion and a full thread of people who said the same thing. It was recommended that we file a complaint with the CFPB to help us with this case.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A