Date Received: 2023-07-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: A few years back someone committed fraud on my bank accts. I reported the transactions to the banks as fraud but they denied my claim and made me reliable. Because of this I can not open any major bank accounts. This is making problems for me.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with cash advance
Subissue:
Consumer Complaint: On or around XXXX XXXX XXXX, Chase Bank allowed an unauthorized withdraw of over {$24000.00} in different large uneven denominations from our HELOC and transfer into our various accounts which was subsequently wired out to a credit union and and unknown individual in California. This occurred in at least 7 separate transactions over two days, which we were NEVER notified of. I noticed the huge amounts of $ being depleted from our HELOC and immediately reported this to stop the bleeding. I reported to the XXXX XXXX XXXX XXXX office and the FBI and the Ohio Attorney Generals office. Chase has been no help in recovering the funds stolen from our HELOC.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX XXXX account to JPMorgan Chase Bank at the instructions of the scammers.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, I was the victim of a blackmailing attack on XXXX from an account under the name XXXX. This individual had compromising photos of me and demanded payment so that the photos would not be distributed on XXXX to my peers ( Im a high school student ). After all was said and done, I ended up sending {$1000.00} dollars to the scammer, with some of the transactions pending for around XXXX hours time before completing. Unfortunately, when I attempted to call the fraud department at Chase Bank less than an hour after the payments were initiated, I was informed the department was closed. The next day, my bank was able to stop one XXXX charge of {$100.00} after I went to a local Chase branch for assistance. The charges on XXXX totaling {$900.00} were still sent through. The first {$400.00} on XXXX went through quickly, but the other {$500.00} was pending for over a day. When I went to the bank branch in person, they opened a case and said they would see if they could cancel the payment. However, the payments went through and were never cancelled, it appears to me that the bank did not move quickly enough to cancel the charges. When I called the bank recently to ask why they did not cancel the pending charges, a customer service representative said that they could not cancel the charges since the money had already been sent. However, given that the charges were pending both on my chase bank app and XXXX XXXX, its evident that this was not the case. I was hoping to get reimbursed by my bank since the banks fraud department did not take my call initially and since the bank did not move quickly enough to cancel the charges when they opened their investigation the following day. Additionally, in general, I find it quite strange that XXXX does not have the same measures in place as XXXX for example. With XXXX, I was able to get my money back since they have safety measures in place to prevent scammers from stealing money in situations like this.
Company Response:
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received my security deposit back from my landlord and deposited the check via Chase App on XX/XX/2023. The amount was {$6300.00} which was cleared briefly in my account on/around XX/XX/2023. When I logged back on to my account on XX/XX/2023, I discovered that both my checking and savings accounts had been closed by Chase, and all funds ( around {$6400.00} ) were gone, also no history of my accounts was available. When I called customer support, I was told since there are two names on the check ( mine and my roommate 's ), they were not able to verify with the other party, thus took all my funds and closed my account. I was instructed to give them my roommate 's phone number for verification, but they said the number is not registered, and thus can not be verified. My roommate and I had agreed to deposit the check in one person 's account and deal with it on our own. Both my roommates and I are XXXX XXXX here in the United States, therefore we can not get post-paid numbers. Both of our phone numbers are pre-paid, and Chase said they can not verify that. Chase told me the phone verification was the ONLY way, no other options were given to me. After trying to get them to verify the check and did not work out, I asked Chase to return the funds back to the issuer ( my landlord ) so that they can issue me a new check. This phone call was made on XX/XX/2023. But Chase said I can not do anything to my funds, I had to ask my landlord to recall the check. After contacting my landlord, I was told they can not recall the check since the funds are already out of their account. I can provide the email history between me, my roommate, and my landlord if needed. I am left with no options as to how I can get my money back.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Chase sent me a credit card I did not ask for.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB- Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I saw a car in XXXX of this year in XXXX and wanted to purchase it. The seller appeared to be overseas and wanted to communicate with me by email. I provided a phone number and an email so we can communicate. The car was located in XXXX. He sent pictures and sent several documents, which all looked legit. ( Copy of all the documentation has been given to the bank before ). I asked about the shipping of the vehicle, and the person, XXXX XXXX XXXX, gave me the following address. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and he said he would use the same shipping firm to ship the car from XXXX to the US. I agreed, and when I mentioned shipping time and transfer of the funds, he said the shipping would take about a month, and the shipping firm is acting like an escrow firm. They would keep the funds and release them to the seller once I receive the car here in the US. The scammers provided instructions for the XXXX transfer, and all the information came from the following website XXXX XXXXXXXX XXXX I handed them the instructions given to me at the CHASE bank location and asked how to proceed. The XXXX at the chase didn't even look at the paperwork. he did the XXXX transfer without asking any questions. Here is the problem, We, as consumers, are not subject matter experts. We feel safe with bank instructions and bank suggestions. The instructions indicate that the bank officers look at this paperwork and ask us the proper questions. The bizarre fact is that this was a XXXX transfer from Chase to Chase here in the US. The bank employee doing the wire transfer didn't ask any questions. Have I been asked that this may be a scam? I would not proceed. I firmly believe that the bank is responsible for the mishap. Any bank would have XXXX XXXX XXXX for situations like this. CHASE wouldn't release the account holder on the other end, and I can not know who the scammers are. Delicate transactions like this happen daily, and banks are supposed to protect our funds. No one and I mean no one, asked me if this could be an illegal person. The instructions were given, correct but the bank must have instructions to stop situations like this and protect its consumers. In my case, the other XXXX account holder was protected since the bank would not release its information, but I lost XXXX $ for a mistake that easily could have been avoided if the bank had strengthened standard operating procedures.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to formally register a complaint against Chase Bank for their recent conduct, which has resulted in both financial losses and considerable inconvenience on my part. This issue involves a promotional offer involving the Amazon Prime Card, which Chase advertised during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase 's advertisement promised customers a 7 % cashback on all purchases made using the XXXX XXXX XXXX during the event. This promotion was the sole reason I decided to obtain the XXXX XXXX XXXX, despite already being a holder of two other Chase cards. The attractive cashback offer seemed like an advantageous deal and thus, I found it compelling enough to add another card to my account. Encouraged by this promotion, I placed orders worth {$3000.00} on XX/XX/XXXX, and further orders amounting to several thousand dollars on XX/XX/XXXX. To my dismay, Chase began to decline my purchases after a certain point, despite my immediate attempts to resolve the situation. I personally contacted Chase multiple times, conversing with different representatives from their fraud protection department and customer service, yet my transactions continued to be denied. Over 20 attempted purchases were declined, causing my orders to be delayed until after XX/XX/2023. This unexplained and ongoing denial of transactions deprived me of the cashback benefits that Chase had promised, resulting in my orders being pushed beyond the promotional period. Additionally, the " no rush delivery '' option on XXXX, which was advertised to offer extra cashback, was negated due to these transaction denials, resulting in further loss of hundreds of dollars. I believe this constitutes false advertising and a breach of trust on Chase 's part. Their failure to honor the promotional terms they used to entice customers into obtaining the new card, combined with their inability to address the issue adequately, have caused me significant financial losses and distress. I request the Consumer Financial Protection Bureau to investigate this matter, hold Chase accountable for their actions, and ensure suitable redress is provided to affected customers, including myself. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint seriously, and I look forward to your prompt response.
Company Response:
State: NC
Zip: 27701
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A