Date Received: 2023-08-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Open a claim with chase for multiple transactions on my account that I didnt authorize I lost my entire wallet. And chase didnt even investigate they just denied my claim and closed it because of claim abuse which is total XXXX I use chase for everything and been using them for years. I am thinking about closing my account and closing all my family account to go to a local bank because this is totally unexplainable. The employee I call too was super rude didnt even help one bit and seem like she just wanted to get off the phone as soon as possible. The claim was for a total of XXXX and it was close in a day there no way you can investigate in a day! I am gon na seek legal action if this isnt resolve between me and chase.
Company Response:
State: MI
Zip: 48917
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was the victim of identity theft and banking fraud and had over {$12000.00} stolen from my Chase checking accounts and the bank refuses to recredit my accounts concluding that the transactions were authorized. But I have provided detailed evidence to the bank that the transactions were fraudulent and I reported the fraud promptly. I have attached a two-page affidavit detailing what took place and attached evidence showing proof of my assertions. In summary, I received a call from Chase Bank 's fraud department on XX/XX/2023. The call came from XXXX which is Chase Business Customer Service 's phone number. A person identifying himself as XXXX from Chase 's fraud department told me he was calling to determine if a suspicious transaction was authorized by me. I told him that it was not and that it was fraudulent. He said that Chase would decline the transaction and that my debit card and online access needed to be shut down because they had been compromised. Everything he said was verified by Chase email, the pending charge reflected on my bank account, text messages from Chase, and a message sent using Chase 's mobile app. He asked questions about my account name to verify my identity but not my password or pin number. After the call ended, I received a Chase alert that my account balance had fallen below {$2000.00}, which was strange since I had over {$4500.00} in that account. I immediately called Chase Bank back on the same number XXXX and learned that the individual I was speaking to previously was a scammer and that multiple unauthorized transactions were now pending. I asked Chase to decline all these transactions because they were unauthorized. The next morning I went to the bank and filed a formal complaint. The bank is now refusing to refund the money claiming that the transactions were " authorized. '' But I disagree. How can they be authorized when the evidence shows I was scammed. I was called by someone from Chase 's number, using Chase 's email letterhead, using Chase 's mobile app for messaging, and a Chase text message. Information clearly obtained by fraud does not make a transaction " authorized. '' Please read the affidavit and look at the evidence provided. This was a very sophisticated scheme and I was not negligent or grossly negligent. Also, I reported the transaction within hours ( 2-3 hours ) and the fraudulent transactions were still pending and Chase did not stop them.
Company Response:
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2023 I call and spoken with a Chase Claim Agent about some fraud charges that is coming from Amazon.com and XXXX. I mentioned that I wanted to report all of the charges coming from both of these merchets as I do not recognize them and a claim with this reference number was made ( XXXX ). On XX/XX/2023 I received a notice that my claim was DENIED. I call and speak with a claim agent supervisor on XX/XX/2023 at XXXX XXXX, my local time. I was informed that the reason for the denies is because I didn't include all of the transaction from XXXX and that there was noting they can do. I XXXX XXXX did included all the transactions when I made the call on XX/XX/2023, if the claim agent who was taking down my fraud report forgot to include some of them, how was that my fault as the client who bank with them? CHASE BANK also CLOSED my claim case without even doing a fraud investigation on it and solo reason was I didn't include one or more transaction coming from XXXX. CHASE BANK outcome with this claim case is unfair as they're REFUSING to even do a investigation. Their own agent forget to include one or more transaction coming from XXXX and is flat out blaming me as the client for it and refusing to even do a investigation. CFPB please help me with this as to why chase bank is treating me unfairly. Reference # XXXX
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to XXXX XXXX them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through XXXX using my chase credit card and they sent me a tracking # via XXXX. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " XXXX '' on XXXX and message so I have no way of contacting them. XXXX would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes ( one w XXXX, other w chase ) and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with JP Morgan Chase Bank was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with Chase Bank and it said something like credit ratio to credit charges due imbalanced above XXXX , %. I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my Chase Bank credit file and then Chase dropped the credit score to XXXX. XXXX I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX 's financial District. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both Chase Bank and XXXX com.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an account and was denied, pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. UCC 1-308 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. All Rights Reserved
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Looking at my credit report on XX/XX/23 and there was a hard inquiry to Chase bank/ JPMCB card service. I called them the same day and they were able to reject the application under my name and information and the following day ( XX/XX/23 ) there were another 2 applications to the same company under false pretenses. I called them again and they were able to reject those two as well. I have also since called the three credit Bureau and was able to freeze all three of my accounts. No money was taken that I am aware of at this point.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed a claim with Chase/Visa via their contractor XXXX and their insurance providor, XXXX, XXXX XX/XX/2022. My luggage and its contents were destroyed in travel and, since I booked the travel with my Chase/Visa credit card, my lugagge was insured with them. Dealing with Chase via XXXX and XXXX has been impossible and I have been unable to secure reimbursement for my destroyed luggage. Despite providing tons of evidence including communications with the airline, picture evidence of the destruction, extensive receipts, e-mail communications and more, XXXX has made no progress on my claim. It has now been a year since I submitted my original claim and XXXX continues to avoid helping me. They promise that insurance examiners from XXXX will contact me, but XXXX has not reached out to me once. I am repeatedly disconnected from their phone lines and ignored over e-mail. They are unable to provide names of their employees, supervisors, phone numbers, e-mail addresses, or information about their internal business structure. These are hallmark signs of a scam. XXXX 's business practices are intentionally opaque and difficult to navigate such that customers are unable to seek recourse and process their claims.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: In XX/XX/XXXX my son was XXXX XXXX XXXX XXXX XXXX, and we received a check from the insurance company. I opened a custodial account for him on or about XX/XX/XXXX at XXXX XXXX with both of our names on it. Over the years the our account ended up at Chase bank, and at some point it became a CD account unbeknownst to me why, and at some point his name was dropped, as my name was the only name showing on the statements. My Son passed away XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX at the XXXX ca branch and spoke with XXXX, I went to Chase to close the account. I was told by him after he made a call to discuss my request I was told the account was court ordered. I requested a copy of this alledged order. I was told because this account was over 30 yrs old the banking records and how things are handled are different and was told that between the transfer of funds from bank to bank there were no records, and no records of my Son 's name, just my name, they couldn't find any information for my Son. I returned to the bank with proof of a statement sent to me from Chase bank with both of our names on the statement so at this point he called the escalation dept and spoke with XXXX who after checking i was told again there is no record of this account being a " joint/custodial '' account and their only record is it being a court order and my name only on the account. I was frustrated but kept my cool. XXXX went and spoke with XXXX XXXX, the Bank Manager. XXXX XXXX invited me into her office to get an understanding of the situation, and I was told by XXXX to bring the copy of the statement and my Son 's death certificate and she would write an escalation letter on my behalf. I received a call from XXXX mid XXXX to regurgitate the same response. My name is the only name listed on a 30 plus account that contains banking errors. Why do I have to suffer and feel like a human " ping pong '' ball? I am asking for your help with this issue, please. I think with all of their publicized critism from their current and former customers I am another victim. Thank you XXXX XXXX
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I attempted to use the XXXX XXXX benefit on my Chase Sapphire Reserve at XXXX XXXX EST on Monday XX/XX/XXXX. The XXXX benefit is one of the primary reasons I pay for the {$550.00} annual fee on this credit card. I placed the XXXX XXXX order and was given an XXXX of XXXX XXXX ( XXXX minutes ) The tow truck did not show up, so after 2 hours I contacted the towing company who stated I was next and it would be XXXX more minutes. XXXX minutes pass, nothing, I call back, same promise. I contact XXXX XXXX as well who also states to just wait XXXX more minutes. In total, this happened a dozen times, I made over XXXX phone calls to Chase, XXXX XXXX, and the towing company. Each time I was told to wait 30 more minutes and that cancelling would likely elongate the time it would take for a truck to arrive. If anyone had been honest or forthcoming about the length of time it would take I would have cancelled earlier and paid out of pocket. I waited for XXXX hours in XXXX degree heat for the tow truck to arrive, was told I could not leave my car, and to continue to wait. After XXXX hours, I had to pay {$100.00} to have someone pick up my kids from school. Eventually after XXXX hours I gave up and paid {$150.00} out of pocket for another tow truck from a reputable company who was there within the hour. Chase sold me a roadside assistance benefit that left me stranded in the heat for XXXX hours making a dozen empty promises along the way. In attempting to resolve the situation after I took care of towing myself, Chase has completely abdicated any role or responsibility. They keep passing me off to third parties, first the XXXX XXXX partner, and then their third party Claims Administrator. Both of those parties dont understand why Chase tells me to contact them, and frankly I dont either. 3 different parties are involved, everyone insists that its someone elses responsibility and theyre unable to help. Chase is the party who takes my {$550.00} and sells me a bogus benefit, so they should be responsible for resolution.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A