Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint about JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Chase Bank card is linked to my XXXX. I was paying for a service through cashapp and sent funds to the companies phone number. XXXX XXXX allowed someone else to create an account with that phone number so the funds went to the wrong person. I reached out to XXXX as soon as i told the company the money was sent and they advised they did not receive it. XXXX advised that they could not return the money because it was already deposited into the persons account who received it and i would have to file a claim with my bank which i did. I reached out to XXXX XXXX support through their chat option multiple times and one of the representatives advised that the charge was declined by my bank and may show pending for a while but that it would dissapear in a few days. I have proof of this conversation and i asked when i filed the claim if i could submit the documentation and was told nothing was needed. At the time i filed the claim with my bank i advised them if they needed anything further from me i needed to know before hand because i didnt want to run into any issues with them denying my claim and taking the money out again without me knowing because depending on my payday its unknown how much funds would be in my account. They stated they didnt need anything else and if they did they would let me know. I have not received any phone calls from the bank, no email nor voicemails or notifications regarding the claim. Today i check my account and its negative!!!! They reversed the conditional credit and now my account is negative which is my main financial source i have no funds for gas to get to work no money for anything and i am a single parent with XXXX kids!! My direct deposits are always over 1,000 dollars and you would think the bank would do right by its clients. Some random person has my {$140.00} and now my account is negative and i could possibly lose my job since i cant even get gas to make it to work.
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I live in XXXX, Idaho. Chase Bank says I used my debit card at a XXXX ATM at XXXX XXXX XXXX XXXX XXXX Pa on XX/XX/2023. I and my debit card were on an Alaskan cruise when this happened. When I got my paper statement in the mail, I saw that charge for {$300.00}. I immediately called my bank cancelled the debit card and ordered a new one. Chase has sent me " proof " after their " investigation '' that I used my card ... All it is, is a transaction number, there is no other information. What I found out with my investigation is that the transaction was at XXXX XXXX This ATM is in an office building that is closed from XXXX to XXXX. I have asked Chase numerous times to show me proof it was me, the pin # and the video of the person who used my card. They refuse. I believe this was a mistake on their part. Why would someone go through the trouble of stealing my info, creating a debit card ( and how could they know my pin? ), did they check the balance before proceeding? That should be in their records, and they only used it once to take out {$300.00}? I didn't cancel my card for probably 2 weeks, because I didn't notice it until the statement came and I was checking everything. You would think they would have done a lot more damage, there was {$45000.00} in my checking account at the time. When I contacted XXXX, they said they can't give me any information either.
Company Response:
State: ID
Zip: 837XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 at XXXX am I received a call from ( XXXX ) I was at work so I ignored the call assuming it was spam as I did not know the number, however they called back immediately and when I answered I googled the number seeing that is was my local Chase bank. The caller informed me of fraud on my husbands debit card and ran through the usual were sending out a new car we've removed the charge and sent a XXXX time pin to be used to send my husband out a new card, I then informed then we would be traveling out of state the next day and to make sure our accounts did not get frozen as is usual with strange activity. On XX/XX/23 I noticed a {$2000.00} charge on our savings account as we do not take out of out savings I thought this was strange so I called chase and reported it along with XXXX other claims of XXXX and XXXX Chase denied the {$2000.00} and the for smaller claims totaling {$1400.00} stating it was money I had authorized to leave my account and that someone physically went into the branch and withdrew that money on XX/XX/23, without an ID this should not be possible, and considering my husband and I were out of state on XX/XX/23 to XX/XX/23 it would have been impossible for either of us to go into that branch and withdraw any money. Therefore on XX/XX/23 whoever went into the chase bank in falsely posed as my husband or I to gain access to the account and help themselves to {$3400.00} that we have worked to accumulate. As Chase has decided to laugh me off the phone multiple times and tell me it is my own fault I was scammed by someone using the same number registered to my local Chase branch to gain access to my account I have decided to escalate the situation. On XX/XX/23 we have an appointment to discus this in person at which time I also plan to file a police report, though Chase customer relations has stated they will not refund our money regardless.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 someone made a XXXX transaction for {$1700.00} from my accout that was not authorized l. I also had another XXXX transaction i did not authorize on XX/XX/2023 for {$1100.00} which they refunded on XX/XX/2023. But they refuse to refund the {$1700.00} claiming that I authorized the transaction. I have been in touch with XXXX and they have not current or pending transactions in theblast 3 months. But Chase bank is refusing to refund my {$1700.00}
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My injury began in 2018 when I asked the bank for an audit of my account transactions. I was told by my regional bank manager that my request for an audit was not approved. I was also informed by the customer service person that Chase bank did not audit personal checking accounts. Shortly thereafter, I sent over one hundred documents ( copy of my checking account ) to Chase corporate headquarters explaining the dilemma relative to checks being returned 10 days after posting, and the funds associated with those returns were not put back into my account. To make a long story short... money is withdrawn through automated debit to pay my bills, debits are reversed after 10 days but funds are not put back into my checking account. I sent my husband {$400.00} using chase XXXX I cancelled that transfer within the hour, but my funds did not return to my account. I filed a complaint with the bank, but I have been waiting 2 years. Furthermore, the access to identify returned checks is missing. from my online access file. More importantly I deposited {$30000.00}. in the bank a few months ago the bank held it for 10 days. Okay... when it was released I had about {$12000.00}, after bills but that disappeared from my account. I filed a complaint about the XXXX {$5000.00}. payments made to a law firm which was never deposited back into my account. I am XXXX XXXX XXXX and do not have the funds to hire a lawyer. I am so depressed about the funds that chase owes me that I can't function.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: Initiated an ACH payment to an employee for {$42000.00} on XX/XX/XXXX to take place on XX/XX/XXXX. His account is also with Chase. It didnt go through, so I went to the Chase branch. After answering several questions to XXXX I was told the transaction was verified and approved. The funds were released, and the transaction would take place within Monday night and Tuesday morning. Those funds were destined to pay this employees tuition, which was due on XX/XX/XXXX. The transfer didnt take place on Tuesday. I couldnt leave work, so I started my endless phone adventure. I talked to XXXX, who again, after asking me all the verification questions, told me the transaction was verified and approved and the funds were being released that same day. On Wednesday, again from my office because I couldnt leave work, called Chase because the funds had not been transferred. Talked to XXXX. Again, went through the verification and approval process and was promised my money was being transferred. No last name or phone number to call them back because they are not authorized to do that. I asked to talk to a supervisor. Not easy to accomplish. Eventually talked to XXXX. He said my money was on its way. He agreed he would call me at the end of business hours to confirm the transfer went through. I had explained to each of these people, from my first visit to the branch, the urgency to transfer that money to the point that if there were any problems with my business account I would, as a last resort, send the money from my personal account and then deal with the tax issues that would arise. Was told it wasnt necessary. By the end of ET business hours, the website showed processing, so I called again. Talked to XXXX. She said everything was alright and the money was being transferred. Explained to me that the end of banking business hours is XXXX XXXX, ET, so the money would be transferred by then. After XXXXXXXX XXXX, ET, my account showed the transfer had been canceled due to insufficient funding. That account had had over {$50000.00} for the last two weeks, so I didnt understand why it couldnt transfer {$42000.00}. I decided then to try a different way to transfer the money. I sent a wire from that same account. On Thursday morning, my account showed being processed. I didnt believe it, so I took time off from work to go again to the branch. The manager was absent, so I talked to a banker. After reviewing her computer for a while, could not explain what happened and told me to go because it looked like the wire was going through. I told her that wasnt enough. I needed to know why I have no way to trust MY money was going to where I was sending it in a timely manner. I explained that although I was being very courteous, I was extremely upset and demanded a response. By now, my payment was overdue. I had told my employee and, he told his school The money is being transferred as we speak Monday, Tuesday and Wednesday. Who would believe we were being truthful when you are talking about a domestic transfer between two accounts of the same bank? I am a foreign-born American citizen, with a strong accent. Was all that unsuccessful verification and disregard for my sense of urgency due to my accent? What do you think the people hearing me say the money is on its way thought? I was directed to a different employee. She talked to several people. Eventually, she said the wire went through. We have no explanation to what happened. Basically your money was transferred ( three days later through MY changing strategies, not theirs ), get over it. I read several complaints against Chase in the XXXX page. Chases response is something like we have already responded to the customer in letter on such date. I can tell you right now : Today I received an email from Chase saying the wire went through. Far from relieving the pain they caused.
Company Response:
State: CO
Zip: 80203
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 my card was used to make a purchase at XXXX in the amount of {$80.00}. I did not make this purchase and my actual card was still in my possession. I didnt realize my account had this charge until after my shopping trip to Woodmans on XX/XX/XXXX. I called Chase and was advised the fraud department was already closed for the day and the rep told me to call back during normal business hours. He also told me to lock my card so no other purchases go through. I locked my card and called back the next day to report the suspicious charge. I had them cancel that card and send me a new one in the mail. After their investigation they came to the conclusion that I authorized the purchase because my card was used and my card has a chip in it ( Apparently criminals/hackers/scammers do not exist in the Chase Bank world and they cant make fake cards ). I phoned Chase on XX/XX/XXXX and spoke to XXXX. XXXX XXXX, he was unable to access the info regarding their investigation so I asked to speak with a supervisor. I was then transferred to XXXX who just reiterated to me that it was denied due to the fact my card was physically used at the store. She said my card was never reported lost or stolen ( because it wasnt and XXXX not a liar ). She also said there was another transaction after the fraudulent one in which I told her I did make the purchase at XXXX and didnt realize anything was wrong until I checked my account balance after the XXXX purchase. She told me she would have the case reinvestigated and to call back in XXXX business days. I called back XX/XX/XXXX and spoke with XXXX. XXXX XXXX, the case was never reinvestigated as they didnt have any new information to reopen the case. Chase Bank made me feel like the criminal. The one who lied. The one who stole. When I did nothing wrong. It is very disheartening to receive such poor customer service when you are already going through a frustrating situation.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I made a purchase at XXXX and I became occupied with a man standing behind me and I gathered my things and left. I went to the bank and discovered that my debt card was missing. I went back to the XXXX but the card was gone. I went back to the bank to report that it was missing and they told me that some transactions had already been done. A withdrawal from my savings a withdrawal from my checking and a transfer that was completed at a different chase bank ATM. Its not possible that I withdraw money from my accounts at one bank and then completed a transfer at a different bank. The bank is telling me that I withdraw the money from the in bank teller, I told them to review the cameras to prove it was not me. They continue to give me miss information and running me around. They refuse to check cameras and instruct me to go to the police and try to get the money back from the person that stole my card. Thats not likely to happen
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account with JP Morgan Chase that was opened in XXXX. In lieu of a deposit with a check that was greater than my daily balance, the bank has seized my {$69000.00} of funds deposited via a personal check and have provided no remedial solution in spite of overwhelming evidence that the check was authentically signed and willfully deposited by XXXX to assist with a remodel of a property. Despite the account having been active since XXXX, and my full cooperation, they have forcibly closed my checking accounts and have seized {$69000.00} of cleared funds. Despite XXXX phone calls during the week between XX/XX/XXXX - XXXX, XXXX to Chase Customer Service and its Fraud Department and XXXX branch visits across two states ( Washington and California ) to provide extensive proof of Government issued identification, deposit receipts, check books, debit cards and receipts, the bank refuses to unlock my funds. The account lock on my funds has been very disruptive and has caused all of my auto payment for recurring bills to be denied. In the past week, Ive received an eviction notice, and a number of other service disruptions that impact auto payments that cover home and auto insurance, as well as cell and XXXX services ability to work. I hope you can help. Heres a timeline. On XX/XX/XXXX, my XXXX entered a Chase branch in XXXX, Washington and deposited a check for {$120.00} -- drawn on XXXX XXXX XXXX -- to my personal checking account at Chase. Once I confirmed the first deposit was correctly received and recorded, she followed up with a {$69000.00} check deposited ; just minutes later. These funds were provided to assist me in renovating a house that I intend to move my XXXX into the future. On XX/XX/XXXX, the funds for the {$69000.00} cleared after being held for about XXXX business days however, shortly after my account was restricted without any notification from the bank when I called to inquire about when the funds would be available the night before, on XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX, I called Chase customer service after receiving notifications that my automatic payments for rent, credit cards, were declined despite showing {$80000.00} in my available and present balance. This has resulted in eviction notices, late payments fines, and me needing to borrow funds from friends to pay rent to avoid eviction and other bills affecting my internet, cell phone and XXXX services that I rely on for work. After contacting Chase customer service on Saturday, they routed me to the Accounts Restriction team -- presumably a department within the Fraud department. I was informed that the only way to unlock the funds was for me to provide a phone number for my XXXX and to have her verify she authorized the deposits. Despite providing the correct phone number that I pay for as a second line on my account with XXXX XXXX, the representative refused to call my XXXX since they use a proprietary system that provides identity information that indicates the phone number they have on file did not match what I provided. I then informed Chase that I pay almost all of my XXXX bills since she is XXXX years of age, and relies on me to assist with simplifying her financial obligation. I explained that I also pay for her cell phone account and therefore public phone records may not be reliably mapped to her identity. This applies to her car, auto insurance and other utilities. After XXXX minutes of stalled progress, I asked for a supervisor and was again told they can not help until I provide a phone number that matches what they have in their system as a verified phone number. This number is wrong because I purchased and play for her cell phone plan along with other utilities. Since this was a dead end, the representative instructed me to have my XXXX return to the Chase branch, located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX, where she deposited the check to verify her identity and to reaffirm she wrote and authorized the check. On Saturday, XX/XX/XXXX, at XXXX, my XXXX entered the Chase branch and provided her substantial proof of her identity and authorization of the check to a client relationship manager named XXXX XXXX XXXX In total she provided the following : Driver license Social security card US Naturalization certificate Both deposit receipt ( s ) one for {$120.00} and the other for {$69000.00} Chase debit card and logged in Chase mobile app to show her correct cell phone number ( XXXX ) in her profile which they refused to use and acknowledge as relevant XXXX XXXX XXXX checkbook she used to write the two checks XXXX XXXX XXXX account statement/ledger that shows the two checks cleared XXXX XXXX XXXXXXXX debit card associated with her checking account The Client Relationship Manager connected me with the Chase Restrictions Team who then told me all of the above forms of identity will not be considered and that I must provide a phone number that matches what is present in their system. She proceeded to file a customer complaint but to date, no one from Chase has called me in response. Troubling is that this complaint is internal and Ive yet to be provided with an email or a link to the case. On XX/XX/XXXX, I met with a banker by the name of XXXX XXXX, a banker at the Chase branch in XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. After learning of all the details including my XXXX visit to the XXXX branch, he attempted to help by calling the Accounts Restriction team and was again told nothing can be done for me until I provide a matching phone number. He verified that funds cleared with no report of fraud on the check issuing side. He then volunteered to file a customer complaint similar to the client relationship manager. I was then told I will receive a call within XXXX hours. To date ; no one has called to follow up. Realizing that my window was narrowing before the account would be locked, I purchased a one way flight for my XXXX to fly from XXXX to XXXX XXXX, where I reside. On XX/XX/XXXX, XXXX XXXX my XXXX arrived at XXXX XXXX. Over the next XXXX days, XX/XX/XXXX and XXXX, I scheduled time to visit XXXX XXXX with my XXXX and presented all of the details and the previously provided artifacts, detailed above in ( a ) - ( h ). We spent about XXXX hours and XXXX minutes waiting on various different people who repeated the same message. After much research, Ive tried to contact credit bureaus to rectify potentially missing or erroneous public phone data records that Chase from my XXXX has no phone number. Despite that, XXXX or XXXX representatives insisted I must provide a matching phone number. This was very misleading of them in communication with me. This overall process severely punishes me for having a lower balance and my XXXX for having no public phone record since XXXX. On XX/XX/XXXX, Chase decided to release just {$10000.00} via a cashier check but indicated that they will seize the remaining {$70000.00} and close my account, leaving me with no access to the account or the seized funds. XXXX XXXX is doing his best but has run into staunch resistance. He was given a Research Department phone number to contest but was shut down with the same response. He has filed yet another complaint with this Research Department distinct from the Account Restrictions team but as of today, has been unassigned. My life has been turned upside down and I don't know how to correct erroneous data in an external system that fails to match my XXXX actual cell phone. I ask for your help and guidance before things get even harder to reverse the damage done. XX/XX/XXXX. To date, each branch that has filed a formal complaint has not resulted in any progress. Despite informing me that a representative of Chase would be assigned and call within XXXX hours, no one has called me to discuss the matter. Since no progress has been made, my XXXX and I have attempted the following to limit further damage and in hope that it may help rectify the banks data. Rerouted my salary direct pay and bonus check but it may or may not have been done in time due to the lag with the payroll systems. Subscribed to a premium XXXX service to see whether her credit report has a phone number. We updated it to her current cell phone number. I have attempted this with XXXX and XXXX but have run into blockers due to their identity and security questions not being relevant to my XXXX acquaintances or work experience. Separated her cell phone number into a new account with her name as the holder rather than mine. Filing this complaint with CFPB I reiterate, that my XXXX willfully wrote these checks and has done all she can to verify this fact in XXXX and XXXX XXXX. And despite the abundance of proof, travel, and numerous hours spent on the phone and in person at branches, the bank refuses to identify her with Government Issued Identification via Driver License, Social Security Card and her Naturalization certification in conjunction with deposit receipts, bank statements, and checkbooks. Meanwhile my funds have been effectively seized and will soon be out of sight when my account closes on XX/XX/XXXX. Please help. XXXX XXXX | Email : XXXX | Phone : XXXX
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A