Date Received: 2023-07-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An application was completed through Chase Bank for Chase Total Checking account on XX/XX/23. Then it was approved and open/ready setup on XX/XX/23. Finally XX/XX/23 it was activated from a phone. I spoke with Chase rep and verified an account open in my name without my permission ( fraud ). File police report on XX/XX/23 and Police investigator follow-up on XXXX, stating case is open and will follow-up on result. 3 months ago XXXX XXXX XXXXXXXX, same thing happen, ended up submitted Fraud via phone and had to verify my identity, still no result yet.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Between XX/XX/XXXX- XX/XX/, someone fraudulently withdrew {$1200.00} from my Chase checking account using non-Chase ATMs in XXXX, XXXX ( in the same time period, I legitimately withdrew a total of {$160.00} from ATMs myself, just to be clear ; this amount is not included in the {$1200.00} of fraudulent withdrawals ). I submitted a claim for {$460.00}, since they said they would only consider reimbursement for a XXXX window of the fraudulent withdrawals, and they ended up denying all of that amount anyways. I was warned about a convenience store here in XXXX that uses fake debit card readers at the checkout/register. When a customer inserts their debit card, the transaction will fail, but the fake debit card reading machine will steal/duplicate the information a customer enters into the fake machine, including the chip identifier, card number, pin number, etc. This apparently allows the owner of the fake debit card reader to create a " clone '' instance of your debit card, which they can proceed to use at ATMs as much as they want. The ATM reads the cloned card, and interprets the transaction as being made with the original legitimate debit card, even though it is an illegally duplicated copy of the original/actual debit card. I filed the claim with Chase, who promptly denied it, and said the reason was because " ATM transactions can only be made with legitimate debit cards '' - as if it is impossible for someone to clone a debit card, which is simply false. I know this is fraud because I know I never withdraw more than {$100.00} at a time from ATMs, nor did I use ATMs myself more than 4 times over the same time period. There was also another fraudulent ATM withdrawal yesterday for {$170.00} ( I left my apartment at XXXX for work, returned at XXXX, had my debit card in my pocket the entire time, and I didn't touch an ATM whatsoever ). I called Chase 's fraud department many more times ( for a total of 3+ hours and at least 6 different phone calls, all of which are recorded ). They informed me that the burden of proof is on me, not them, and that I needed to prove I physically had the card in a different state when the ATM withdrawals were made, otherwise they won't even consider taking another look at the claim. It is my understanding that this is illegal on their part - as far as I can tell, the burden of proof is legally not on the consumer in banking situations like this, but is on the banks. When I explained this to the representatives on the phone calls ( which, again, are recorded ), they refused to elaborate on why they practice this policy, stating that they don't want to be on record verbalizing what their policies imply. Now I fear they will not reopen my claim, and told me I need to send evidence ( receipts from other states, plane tickets / boarding passes, paper copies of transactions, etc. ) proving that I was out of state when transactions took place via fax machine to them, and hopefully wait for them to decide to reopen the claim. I don't have access to a fax machine ( as I'd imagine most people don't ), so JP Morgan Chase is not only illegally placing the burden of proof on their customers, but they also make it unreasonably difficult for their customers to receive reimbursement of fraudulent ATM charges, even if they have all necessary evidence. ATMs generally have cameras. Chase refuses to use the camera footage as evidence, even though this footage will clearly show the face of anyone who uses the ATM. Apparently, the reason they won't use camera footage is that a person could've given someone else their debit card and pin number, and had someone else withdraw money on their behalf. What this means is that Chase implicitly accuses their own customers of committing fraud every single time a customer reports an ATM withdrawal as fraudulent. I believe this practice by Chase is blatantly illegal, but even if there's a legal loophole in their obligations to their customers, it is certainly deceptive and exploitative, at best. Based on this chain of events, a bank as massive as XXXX should be investigated for illegally handling all ATM fraud cases, with the exception of those where a debit card was physically lost ( as someone could have legitimately found the original card & used it fraudulently, which is a very different situation than this one ). I highly doubt I am the first person this has happened to, and based on the number of clients they have, I am confident they are well-aware of how their policies come to fruition. I'm sure it ends up saving them hundreds of thousands, if not millions, of dollars every year by refusing to help their customers recoup what was stolen from them.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have been victim of Credit card identity theft My Chase checking account has been exposed to fraudulent activities since Saturday XX/XX/XXXX. - some open new credit card under my name ( Chase unlimited ), as soon as I noticed that this new additional card was listed under my Only Chase sapphire preferred card I had to call bank to report and request from the bank to shut down that account. The bank did it and they said they will contact XXXX, XXXX and XXXX. I wasn't able to get in touch with any to those agencies. I will be doing report myself as well. - On XX/XX/XXXX some unknown person made an online payment from my credit card to XXXX in amount of {$300.00} and change. I called the bank to dispute it and they did.The charge was disputed. - On XX/XX/XXXX person under name XXXX XXXX of {$100.00} paid himself with using my XXXX account. The bank was able to prof that this was a fraud. I has one more transaction of {$50.00} on XXXX totally unknown. - I called bank to close by credit card and to reissue a new card.I received envelop with 2 credit card on XX/XX/XXXX with XXXX cards in it, both cards had same number but they are under XXXX different names. XXXX was under my mine name XXXX XXXX and the other credit card was under name XXXX XXXX. I have never heard of this name before in my life. - every time I would call the bank when they ask me to cofirm my address it would turn out that address on file doesn't match. Some is changing my information on daily basis. I will go to the bak to request change of my account number - ON XX/XX/XXXX I had to call the bank to close my debit card
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hi my name is XXXX XXXX and I've been trying to open up account in my name but I have not been able to because they said that I have lack of credit history.
Company Response:
State: MI
Zip: 48911
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During my loan I got behind once. But had to make it up. so ever since that point I would pay XXXX to XXXX dollars more than my payment. And chase would always apply it as a late charge and not towards principle so I believe they owe me money. My loan is paid off now but It still bothers me they cheated me out of that money.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I AM A XXXX XXXXXXXX AND I WAS PAID WITH A CREDIT CARD. I TRIED TO GET MY FUNDS THROUGH A PROCESSING COMPANY CALLED ( XXXX XXXX ) THROUGH CHASE BANK. THE PROCESSING COMPANY CHARGED ME 3.5 % TO DEPOSIT MY FUNDS INTO MY ACCOUNT AND NEVER DID AND THEY KEPT MY MONEY AND THEY WON'T DEPOSIT MY FUNDS INTO MY ACCOUNT AT CHASE BANK. THIS HAPPEN ON XX/XX/2023 AND I CAN NOT GET ACCESS TO MY FUNDS.THIS XXXX XXXX COMPANY HAVE LITERALLY TAKEN MY HARD EARNED MONEY AND USING IT AS THEY SE FIT.
Company Response:
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a a check from the school I recently graduated from. I decided to open a bank account because the check was for {$2500.00}. So I went to chase bank branch in XXXX CA XXXX. After opening a checking account I was informed that my check will take XXXX to XXXX business days to clear which I was totally find with. After the first week I was only able to get XXXX dollars. I called the bank and was told that my account was suspended and that I needed to come into the branch to verify my identity so I went in and took XXXX forms of identification. After that I was told that I should receive a email well I never received a call or email so I decided to call again. Then they said that they couldn't verify if the check was made out to me. I tried giving them XXXX different phone numbers of the school I graduated from and they won't accept it and won't return the funds or release the XXXX have all the proff of why and how I received the check.
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: One time I withdrew an amount from a credit card and got circumstances, so I delayed paying and my account was closed, so I paid the amount, but it was more than what I withdrew, so I was paying only because my account was suspended, so I asked them to activate my account and they refused, but they were withdrawing fees from me and my account was closed and they were still withdrawing amounts from me until I withdrew all my money And I went to another bank, they stole my money from me, and I want it back. It's Chase Bank
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: CHASE XXXX IS NOT EXPEDITING MY CLAIM NO. CASE NO XXXX THEY DO NOT ANSWER MY E MAILS WHEN I ASK THEM FOR UPDATES ON MY CLAIMS. YOU CAN NOT GET HELP BECAUSE NO ONE WANTS TO HELP. I HAD TO CANCEL MY TRIP TO XXXX BECAUSE OF A. MEDICAL PROCEDURE. MY CREDIT CARD OFFERS TRIP CANCELLATION. INSURANCE. I SUBMITTED ALL PERTINENT DOCUMENTATION AND THEY ARE GIVING ME THE RUN AROUND ABOUT PROCESSING MY CLAIM AND ISSUING A REFUND,
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A