Date Received: 2023-08-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23, I submitted XXXX XXXX transfers of {$200.00}. Upon realizing that I was the victim of a scam, I reported this to Chase Bank. Chase opened a fraud claim ( # XXXX ) and on XX/XX/23 informed me that " no action will be taken '' and that " this is resolved ''. While I acknowledge that I initiated this transition, I am disappointed that the " investigation '' yielded no tangible information. I am employed by a member bank, one of the seven banks that own XXXX through EWS. I was recently versed on Reg E., XXXX, and fraud through my work at the member bank. Chase failed me on many levels and will continue to provide poor service unless the CFPB puts a stop to them. Chase did not ask me for the email evidence proving that this was a scam. I offered it. I'm suspect that an " investigation '' took place. Wouldn't it be in everyone 's best interest to find these bad actors and ban them from using the XXXX network?
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: First and foremost, This complaint is not related to ANY previous complaint. This complaint is a NEW complaint relating to COMMUNICATION which has NOT been previously complained of. The only relation is the respondent Chase JP Morgan. Chase JP Morgan has violated the federal Act 1006.6 Communications in connection with debt collection. ( c ) Communications with a consumerafter refusal to pay or cease communication notice. The evidence that can be found In the previous response from CHASE to CFPB is just that, Evidence admission noticing the Federal Agency CFPB they were in receipt of consumer letter to Cease and Desist and that Chase would be complying and adhere to that request Chase by XXXX XXXX evidence that first fact of which is that CHASE indicates receipt of notice to CEASE & Desist this is not competing claim put-forth nor is the complaint the same as any previous investigation by complaint. The previous complaint about unverified debt, and debt collector practice of not VALIDATING the debt is not the same of this complaint of COMMUNICATION violation of the aforementioned Federal statute. Again, the proof found in their, Chase JP Morgans, own statement suggest that the matter put-forth in this NEW complaint is TRUE. Attached is proofs of mailings and letters to prove beyond any reasonable doubt Chase has in fact violated 1006.6 Communications in connection with debt collection by mail correspondence which occurs almost daily with mailing in the mail box or left on property porch such as a BOX of documents is harassment ( see photos ). Today a stapled sheets of 24in x 5in documents came of my personal account information arrived in the mail box without cover ( see Photo Chase 2 and 3 ), envelope or mailing package but mere OPEN stampled documents of personal account information, name, account number, and other personal private info open to the public to read with no need to know. One mailed without envelope and the other smaller documents in an envelope ( see Chase 2 and 3 phots attached ) ( FDCPA ) federal law limits what debt collectors can do and what communication and whom such communication can be had when attempting to collect a debt. Confidentiality must be maintained and revealing personal information that includes my phone number in unsealed mailings violated privacy
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I called Chase Bank XXXX department to report unauthorized transactions taking place with my checking/savings account and Chase debit card. Someone in the state of Florida ( I live in California ) was able to transfer {$5900.00} from my savings account to my checking account and then proceeded to order a new debit card, change my home address, email address and cell phone number. They later used my debit card ( not the new card ) which I had in my possession to make over $ XXXX in XXXX XXXX transactions and $ XXXX in ATM withdrawals. This person would go to different XXXX 's in the state and make a small purchase of under {$20.00} for each transaction and would request {$100.00} cash back each time they made a purchase. They did this about XXXX or more times throughout XXXX different XXXX 's in the state of Florida. They were able to use my debit card and my PIN number. On XX/XX/2023 Chase bank denied my claim reporting they found the transactions were processed according to the information I provided or was authorized. I later called the bank and was told to contact XXXX in the state of Florida myself were the transactions took place and to file a police report. On XX/XX/2023 I resubmitted a claim to reopen the denied fraud claim which was denied again on XX/XX/2023 ; reason being transactions were all authorized! They did however on XX/XX/2023 agree the ATM withdrawals were incorrect and I was refunded {$730.00}.
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I've been trying to open a simple business checking account at Chase for the past month or so. I submitted my application but was then required to submit other documentation. I was informed that I needed to call their XXXX number. I called on XX/XX/23 and the woman who answered became very annoying. I think her colleague was being very annoying behind her. In any case, the woman had no idea what a Delaware LLC was and stated that Chase did not do business with Series LLC ( s ). I'm not sure if this is correct but this is what she stated. I called again yesterday and a man named XXXX, picked up. Again, this guy was very unprofessional and annoying. The call lasted about 6 minutes. He stated that he would have his supervisor call back. I did not receive a call back but received an email instead. I'm not sure what's going on with the customer service centers but this is getting out of control. I had a similar situation with the credit card from XXXX.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX. Chase bank decided to restrict my account and close my bank account without notice or explanation. This was mine and my husband 's only bank account where we both receive direct deposits of our paychecks on XXXX. Well after contacting them about what would happen to out paychecks a supervisor informed me that since there was a restriction on my account I could wait until Tuesday XXXX and visit a local branch to withdrawl my funds from my account. Well I visited a branch today just as I was told and they refused to release my funds to me and told me I would now have to wait for a paper check in the mail once my account is officially closed on XX/XX/XXXX and still wait another XXXX days for the check to be delivered. I even explained that this was my only bank account and the only money I had to my name and they still refused. I have not made any fraudulent deposits or anything like that and they are also refusing to give me a valid reason why.
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I paid for the sonesta simply suites with my debit card which was the last time I physically seen my debit card. My Chase debit card. I checked out of the hotel on the XXXX of XXXX and I didn't recognize that my debit cards were missing because most of my transactions I do online without using a card physically. When I checked out the sonesta I had to go stay with family because the hotels were booked and they were too much on the XXXX. I checked my Chase statements and I seen that there was a ATM withdrawal. A. Non-chase ATM withdraw at that of {$160.00} and there were a charge for a motel XXXX for {$91.00} another unknown charge for {$38.00} XXXX immediately called Chase Bank. On the first day of me contacting them, I couldn't get a hold to anybody for a whole XXXX hours because their systems were down so that was a hold up. So I did return the call the next following business day XXXXThey did my claim. They reversed my transactions and now I have to dispute them because they reversed my claim because they said there wasn't enough evidence saying for the purchases but I never have made a transaction, especially a big transaction at a non-chase ATM machine since I've had my account opened. My card was missing and I didn't realize it until I looked at my statements and the transaction was done. I truly honestly don't know who could have took my card. I could have dropped it. Anything could have happened to it. I'm homeless so there's a million and one weird people around me on a daily basis. I'm also pregnant and my Chase banking account is my only access to any financial anything that I have. So I really am hurting more than anything because Chase is not looking at the obvious facts here, the transaction was done in XXXX XXXX CA I'm homeless I live in hotels and shelters. I come across many people. I've lost so much stuff before. This is not the first time that this has happened to me. I've never had an issue with getting help with getting money return back or a problem getting resolved for me. I've never had a transaction in XXXX XXXX before and I don't understand why they're giving me such a hard time. My bank statement to show that I've never had a non-chase ATM withdrawal before at all and especially not in that amount. I can't afford to pay any kind of fee I can not use my Chase banking card right now because it's negative because they reversed my transactions so I now can't pay for a hotel I've been pregnant and sitting in this heat. Trying to see what I can do to resolve this issue with Chase .can sit in outside in the heat and staying at parks because my card is negative. I don't understand. I don't understand how hard it is to just check my bank statements. I've never had a non Chase Bank ATM draw and then it doesn't even say if a pin was used or anything. Fruad 's happening so much around us today people are taking people 's banking and debit information and using it without even punching in the correct pin. And the only thing that Chase could tell me was that the pin was entered. They don't know what pen was in it cuz it doesn't say first of all and it was a non-chase ATM but they said that a pin was entered and that's not enough evidence because the pin was in it. But that's not fair to me because I reported my stuff to him and now my car is a negative. I'm pregnant and I have nowhere to go. I just need help. It's hard for me to go back and forth and argue with them. I don't understand
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My savings account was removed from view when I logged onto my Chase account. The funds are still there but I can do ( or see ) nothing online. Two calls and two hours of discussion with reps in the XXXX bore no fruit. A supervisor, XXXX XXXX was particularly unhelpful and dismissive. Chase ' insistence is that I appear at some ( unspecified ) branch and there alone can the problem Chase created be remedied. Be it known that 2 weeks ago I could see everything online. I'm told that for unknown reasons my name was stripped from the account, thus stripped from online access. Nothing else about the account changed and the foreign phone clerks say that can not re-enter the name onto the account, nor can anyone in the United States unless I make a personal appearance at some ( unspecified ) branch. This is unacceptable to be put out like this when the error was clearly Chase 's.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a fraud of XXXX dollars for XXXX on XX/XX/XXXX but my bank says they can't do anything, I want them to cancel that transaction or give me back some of my money.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I JAVE A COMPLAINT AGAINST JP MORGAN CHASE FOR INACCURATE AND UNVERTIFABLE INFORMATION ON CREDIT REPORT. ACCORDING TO FAIR DEBT REPORTING ACT UNDER 15 USC 1681A2 STATING I DID NOT GIVE WRITTEN PERMISSION TO HAVE THIS ACCOUNTS FURNISHED ON MY CREDIT REPORT. AND THEY MUST BE REMOVED IMMEDIATELY, IT HAS DAMAGED MY CREDIT AND MY NAME
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Please send me ALL CHASE Bank statements for past 6 months. Please remove all and any fees charged on my XXXX ( XXXX ) accounts. When I opened, banker told me there are no fees on account ( XXXX ), totally free accounts as long as I have positive balance. Return all fees. XXXX
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A