Date Received: 2023-08-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I contacted chase credit card services on XX/XX/2023 regarding an issue with misadvertised XXXXXXXX XXXX XXXX reimbursements. During that call I used a hearing assisted device due to my documented hearing loss. The agent told me several times that I could not use a recording device on the call since I sounded far away despite my assuring her that I was only using a device to assist with my hearing. Chase then refused to fix my issue. I called back to make a complaint about the blatant discrimination and was told it was being handled as the highest priority. despite several calls back though I have still not received a resolution and it's been almost a month.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited a check from XXXX XXXX XXXX in the amount of {$7700.00}. When I deposited the check my account balance became {$8200.00}. Chase Bank deemed the check as fraudulent because they were unable to verify the check through a XXXX party company and closed my checking account ending in XXXX on XX/XX/2023. They ( Chase Bank ) sent me a check for {$550.00} instead of the {$8200.00} which was my account balance at the time of closing. On XX/XX/2023 I met with the XXXX XXXX XXXX about the above stated concerns. She spoke to the President of XXXX XXXX XXXX XXXX XXXX and XXXX verified that he endorsed the check, the Chase customer service rep told the bank XXXX that she could not use that as verification and she did not provide a reason as to why. My Chase checking account has been closed since XX/XX/2023 and they ( Chase Bank ) has yet to release my funds. I`ve called Chase on numerous occasions and I still do not have answers nor have they provided me with a legitimate reason why they have not returned my funds.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: And unauthorized withdrawal was made on 2 accounts on XXXX CHASE XXXX funds were not returned and XXXX funds were returned.I have my ATM cards for both accounts. For the account XXXX a withdrawal was made on XX/XX/11 for {$350.00} because who ever was helping me the person 's decision was overridden. No one from Chase has called to tell me who took the withdrawal plus I filed a police report which was faxed. I am a retired person and I need my money. A total of {$2200.00}, was taken from me. I also, had an appointment at XXXX when the withdrawals were mede for proof. I do not understand how a withdrawal can be made and the teller does not ask for identification. According to Chase I gave my PIN out which I did not.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I noticed there were unauthorized transaction reversals on my checking account. I was a victim of identity theft, and this person stole my online banking, username and password, and was able to access my account. While they were accessing my account, they were disputing transactions, and when the bank gave provisional credit, they transferred the provisional credit out on an XXXX XXXX card, they also try to contact the bank and impersonate me to get my banking information. The fraudster disputed and reversed over XXXX transactions going back to XX/XX/2023. They reversed car payments, payment to my sons school and even tried to reverse my mortgage payment. I contacted Chase Bank on XX/XX/XXXX when I saw the transactions. Chase bank changed my online banking username and password. However the fraudster had changed my online banking alerts to go to their Android and they knew that I changed my online banking information. On XX/XX/2023 I noticed more transactions being reversed and contacted Chase again. And at that point they closed my debit card but never put any restrictions on my account so the foster was able to still transfer out money when provisional credit was given for the disputes. Then on XX/XX/2023 another transaction was reversed, and I once again called and the call center at Chase Bank, and at that point, I was finally told to go into the branch and the branch can close my account. By that time the fraudster had stolen almost {$12000.00} from my checking account. At no time did chase report suspicious activity contact me about the disputes put a freeze on my account after there was a suspicious caller, they did nothing to protect my account. Ive contacted Chase to it to ask for my money back and they told me that they were not able to give me my money back. I would like Chase to be held accountable for the fraudulent transactions that happen on my account, and to be refunded the money that was taken from my account. This fraudster also spoofed my phone number and was intercepting text messages that Chase was sending to verify transactions. I had to get a new phone number since my phone number was compromised. I also filled out a police report with my local police station regarding the identity theft, and the theft of my online banking username and password. Police report number : XXXX, Ohio XXXX
Company Response:
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. I signed up for the card with marketing received at my home. The rewards offer was for XXXX points if you spent {$3000.00} within the first 3 months. I did spend the required {$3000.00} in the first three months and I only received XXXX points. I called today, XX/XX/XXXX and disputed the reward shortfall. Chase could not find the offer I was referring to or suggested that it was a business offer, not a personal offer. They refused to do anything to make the transaction right. XXXX points is a big deal. I put a lot of effort into choosing the right card/reward program. This is feels like a bait and switch scam. Promising one thing and delivering another is absolutely fraud.
Company Response:
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Monday, XX/XX/2023, JP Morgan Chase Bank Leadership and JP Morgan Chase Legal Counsel, I am a former Chase banking member. I contacted the company again today as I received the below email today, XX/XX/2023, regarding an account I do not have with Chase Bank, that is now being linked to my social security number per Chase Bank. I do not currently have a Chase Bank account with this company. Furthermore, I am highly concerned my personal information may be jeopardized. I am unsure if I am a victim of fraud or if internal employees of Chase Bank using my information, and sending me emails. Simply put, I am confused as to why this continues to occur. Either way, please note I am not taking any action with Chase Bank, as I am no longer a member of JP Morgan Chase Bank.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been in foreclosure every year and Ive have paining fees that accrue form the winter storm dnd ice storm in XXXX I repair the damage this year too. And I have paid the roof damage in XXXX and XXXX. No one Payes the damages for my house but me. The attorney my ex boss was not helping me and the only thing the did was wait til the statue was over. I did not know that he was the one he did not help me or us but I did not sign a contract so I let it go. My partner girlfriend that I ve lived with since XXXX work a long time as a XXXX in a XXXX XXXX class 298 years and was trying to get her degree but XXXX was I. XXXX and sfe was already having issue XXXX I feel that they were trying to get rid or force her tk resign. I feel that because she was complaining about a teacher that was XXXX the student. She was trying to make the administration supervisors remove him. The was physically and verbally XXXX them. Then cause she was reporting him he was intimidating her. Ive asked for the records no response. She was trying to get XXXX retirement she only had XXXX til full. The administration did not do anything nor investigate this. They did not accommodate her. Her I was XXXX I got XXXX I was trying to get it use her insurance. My employer my sister the attorney they were not happy that I was in a XXXX relationship. I now know that they are the ones that gave the wrong information. The attorney XXXX and agent XXXX state representative. They were both working together and during XXXX XXXX they home at XXXX and the value was way higher and thiis and the damages was flood foof. Not wear. My family lives two doors down and she and attorney the reason in foreclosure is cause they submitting lien invoices the house she lives in was my father he passed on XXXX the XXXX week after I was relieved XXXX I was with him as much as I could but I feel like he needed me and shes wanted him in the XXXX homes and they changed the deed and I believe they filed deed of trust theses documents are not the original documents. I never had fha I had. conversational mortgage and the mortgage also is a reverse that should have not been but the loan transfer in XX/XX/XXXX. I in foreclosure the first month that the loan transfer. I paid XXXX the first month half. The lender did not pay the insurance and I have now the prod the insurance thd sent electronically the bill. I was left with out insurance and I was not able to find out who pick the coverage and why did they not get the flood coverage. I was not able to get help from XXXX. I even have a certified postage proof that I inquired in XXXX XXXX. They also can not answer or give me a refund for the laugher amounts that were in escrow. And why did they not listed my partner age bought the home with me. I believe there a lots deceptive abd conflict of interest. I did have hot help I dont have hot water it gas. And its XXXX years XXXX XXXX a diagnosis XXXX abd XXXX had XXXX XXXX and XXXX. I did not know I was a XXXX XXXX I went in to XXXX I scheduled gif a foreclosure date XX/XX/XXXX. The servicer violated my rights by putting me in foreclosure in XX/XX/XXXX they would my not work with me I had to pay the whole or I didnt q
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, a travel provider charged my Chase Visa card XXXX XXXX for a trip my wife and I are taking to XXXX for our 25th wedding anniversary. The dollar to XXXX exchange rate on XX/XX/2023 was $ XXXX XXXX. At that rate, my credit card should have been charged {$8300.00}, but Chase Visa charged my card {$8700.00}. That is a difference of {$350.00}. I can understand Chase Visa charging me anywhere between $ XXXX {$100.00}, but {$350.00} for a no foreign transaction fee credit card? I have called Chase visa twice. The first representative told me there is nothing he could do about it and I needed to call the " Disputes '' department. I spoke with someone in the " Disputes '' department who said that he could dispute the charge with the merchant. I DO NOT have an issue with what the merchant charged. The merchant charged me exactly what they told me they would charge me. My dispute is with Chase Visa, which tacked on {$350.00} to a legitimate charge. Thank you.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to respectfully request the removal of a late payment entry from my credit report, which I believe has been inaccurately reported and negatively affecting my credit history. The account in question is XXXX ( JPMCB - HOME LENDING ), and I am seeking this correction based on the existence of forbearance protections during the relevant period. The late payment was posted on XX/XX/2023. The forbearance agreement, effective XX/XX/2023, allowed me to temporarily suspend payments without incurring any late fees or penalties. As a result, the late payment entry on my credit report should not have been registered, as the account was under the protection of a forbearance program. Consequently, this negative mark on my credit report does not accurately reflect my payment history. I request that you please investigate this matter thoroughly and remove the erroneous late payment notation from my credit report. Ive attached documentation supporting my claim, including the forbearance letter provided by JP Morgan Chase. As a consumer, I understand the importance of maintaining accurate credit information, and I trust that you will prioritize fairness and accuracy in handling this request. A corrected credit report would greatly improve my financial standing and open up opportunities that have been impacted by this misreporting. Please respond in writing within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ) and inform me of the action taken to address this matter. If necessary, I am willing to provide any additional information or documentation to support my case. Thank you and I look forward to hearing back from you soon.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is a complaint against JP Morgan Chase Mortgage department. During the application process, I was conditionally pre-approved XX/XX/XXXX. I provided all the info and documentations requested by Chase as needed. I barely heard from Home Lender during the last few weeks and was communicating with an assigned XXXX XXXX XXXX. He was very helpful and kept communicating that there seems to be no issues and we are on track for closing date XX/XX/XXXX. I received a " Closing Disclosure Package '' from Chase dated XX/XX/XXXX ( at XXXX XXXX XXXX ) with the loan terms we had discussed and agreed upon. I also received " Standard Package '' doc on XX/XX/XXXX, with the same terms listed on the closing disclosure the day before. Everything looked good for the closing date. Then on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ) I received an " Underwriting package '' with completely different team than what were listed in the Closing Disclosure received 2 days ago ( XX/XX/XXXX ). I called my XXXX XXXX XXXX and he didn't even have a copy of my Closing Disclosure and said he would check with underwriting. He called me back on XXXX stating the Closing Disclosure I received was an " initial '' disclosure and " not final ''. The document I received from Chase clearly states on top of the page " This form is a statement of final loan terms and closing costs. Compare this document with your Loan Estimate. '' I inform the XXXX XXXX XXXXXXXX about the discrepancy and asked him to provide me with info around what changed and why? He was not able to provide any context but said it may be because of {$64.00} I had on my apple card account. I paid that account immediately while on the phone with him and sent him confirmations. Not only did my loan amount change, chase also changed my point discount, effectively asking for more curing closing. Without any communication or feedback as to why. I finally received a call from my XXXX XXXX XXXX and she was also unaware of the changes and reason behind it. She mentioned she would check with underwriting and ask them to abide by the agreed up terms. I also requested for them to provide me the credit report of any info as to what changed from their end that would change the terms this late in the game. I was supposed to get follow-up call on Friday XXXX. I called my home lender and left her a VM on her office and cell. I called her boss and left him a message. Sent them both an email to call me when they have a chance. I called my XXXX XXXX XXXXXXXX, his boss ( who was out of office ), and her back-up and left them a voicemail. In total called about 6 people from Chase and did not hear back from anyone. No email, no phone call back. Finally called their hotline and spoke to a nice gentlemen who had ( naturally ) no context on my application but suggested he was going to escalate internally to get a response. Today is Sun XXXX and I have yet to hear any communication from Chase about my loan that I'm supposed to close on XX/XX/XXXX. I'm attaching all documents mentioned above as for reference including the audit log which provide timestamps. Also attaching a screenshot of document sections directly from Chase 's website.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A