Date Received: 2023-07-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a re-occurring payment thru my Chase XXXX account that was set up to end on XX/XX/XXXX for {$1500.00}. On XX/XX/XXXX, a payment was disbursed to recipient for what I believe to be in error as I had set to end on XX/XX/XXXX. Rather than providing me proof that I had set it up incorrectly ( which I would have accepted, despite being frustrated ), they gave me the runaround thru multiple department including Claims ( which would not help me unless it was fraudulent and a group that is suppose to research the case ). On XX/XX/XXXX, it was not that there was a severe XXXX transmission issue that affected many accounts for double payments and could have also impacted by re-occurring because it saw that there was a payment made correctly on XX/XX/XXXX. In total, I spent close to 10 hours with various bank personnel at my local branch and mainly over the phone and never got proper closure outside of they could not help me and I need to contact the recipient. I understand the bank also tried and both of us received no response. I feel that the bank should be able to produce a document showing me that I had set something up incorrectly ... .instead, just denial with no explanation on why.
Company Response:
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX at around XXXX XXXX I deposited a cash amount at a Chase Atm , a total of {$1800.00} in cash all XXXX dollar bills. Atm shut down mid process and the deposit didn't go through and no recipient was given as well as the moeny didnt get returned. I called immediately at XXXXXXXX XXXX and was told I was going to be credit for the {$1800.00}. On XX/XX/XXXX I was charged back {$1700.00}. I called Chase and was informed that they had audited the ATM and that they had only found {$94.00} despite only depositing $ XXXX. Tried to fix this through them but Chase doesn't not want to fix this saying that they can't do anything else. That I just have to eat it. I have spoken to a claim rep 3 times and superviser 2 times. They took the {$1700.00} and now want me to pay the {$1700.00} to get my bank balance back to {$0.00}. I have also insisted that cameras be checked and they say that no that it was already audited and no further actions can be done. I have told them about the discrepancy regarding only depositing {$100.00} dollars bills and them only finding {$94.00} dollars and have been told that they have nothing to say to that. That they don't have an answer to that.
Company Response:
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: Hi. My name is XXXX XXXX. Jpmcb Auto claims that I owe them a loan on a closed account. I asked with certified mail proof of the original documents and signatures to verify my debt or to remove it. I have seen no action or received any response.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I bought a XXXX XXXX ( XXXX ) Ticket for a XXXX business trip on XXXX to XXXX XXXX on flight XXXX ( XXXX XX/XX/2023 ) and returning on XX/XX/XXXX XXXX the flight on XX/XX/XXXX was cancelled by XXXX 4 hours before the flight at XXXX CT without rebooking to an immediate flight causing a huge business snag. XXXX 's customer service was unavailable to cancel and refund through the app, chat or call mechanisms. see attached pdf for evidence. It cost me another {$430.00} to rebook a one way flight to XXXX using XXXX XXXX and a different cab as well. XXXX also cancelled my flight on XX/XX/XXXX without refunds. I called the flight again for my flight and now the flights were insanely expensive. I asked for a refund and XXXX 's representative asked me to file a refund request which I did immediately on XX/XX/XXXX. see attached pdfs. XXXX denied my refund request so I disputed {$1400.00} for my Taxis, alternative flights, and original flight ticket cost. But I am not getting help from CHASE to resolve this dispute so I am filing a claim to bring XXXX to justice for misusing my consumer rights.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was settled by the original creditor ( chase bank ) This debt in bankruptcy proceedings
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX at XXXXXXXX XXXX I was contacted by a number that was the same as chase bank ( XXXX ) XXXX ) it was the same number that is on the back of the chase card but it said potential spam but I thought it was chase because it was the same number they told me there was potential fraud on my account and said they are going to send me a text the text I received was a fraud text for {$1000.00} dollars and they told me press yes and when the call ended there was 4 {$1000.00} withdrawals which doesn't make sense because my daily withdrawal limit is {$1000.00} per day so I don't know how they were able to take out 4 seperate {$1000.00} withdrawals. I don't know if it was a chase employee or a scam I filed a claim with chase and they denied my claim because they said I authorized it and told me to send proof that it was not me so I went to a chase branch and submitted proof ( the fraud email and screenshot of the incoming spam call with the chase number ) and filed an insertion claim with the evidence and they denied my claim again saying the evidence was insufficient and their hands are tied and when I asked to speak to a manager they said no and that there was no supervisor available to speak with me
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: JPMCB, XXXX XXXX and Amazon are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX, and XXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Late XXXX on XXXX XX/XX/2023 we made an arrangement with a moving company that misrepresented themselves. They claimed to be affiliated with a recognized company, which they were not, and we immediately tried to cancel the service before they processed the payment on XXXX XXXX. They were unresponsive, so first thing that morning I contacted Chase bank to try to stop them from issuing funds to the merchant. We cancelled the debit card and were issued a new number, so the funds should never have been withdrawn. The bank statements indicated that they did post the charge anyway on XXXX XXXX, but it was refunded by Chase bank on XXXX XXXX. I thought the issue was resolved. More than 45 days later, on XXXX XXXX I saw that the charge was being reversed again to my account. I contacted Chase who said they substantiated the claim with the merchant and I should try to follow up with them, but that is impossible. The representative even said it sounded like I was scammed, but they were unwilling to help. They are siding with a fraudulent entity rather than a loyal customer. I acted as swiftly as I could to try to prevent the scam. I have not been provided the evidence from Chase, but I expect it relates to a clause on the agreement that it couldn't be cancelled within a timeframe without forfeiting the deposit, but I believe that is an illegal contract stipulation, as there should be protection that any such contract can be cancelled by written request, which I tried to do to revoke authorization of the payment before it was processed.
Company Response:
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I believe a check was stolen, forged, signed and cashed by a XXXX XXXX even though it was made out to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is not known to me or to XXXX XXXX XXXX who the check was made out to. Despite the very obvious signature flaws, this check was inappropriately cashed by the XXXX XXXX XXXX. A check, issued a check from my Chase checking account in the amount of {$2900.00} that was returned to me as having been cashed. However I was informed by the payee XXXX XXXX XXXX XXXX XXXX that the check was never received. The returned check had an endorsement signature on it that clearly was mine. The name XXXX XXXX was handwritten on the front of the check above my name. I immediately called the Chase Bank who told me the check had been cashed. They added that they would investigate and that I should give the payee ( XXXX XXXX XXXX ) some time to see if it turns up. On XX/XX/2023 I went into Chase to speak directly to a manager who gave me the appropriate forms to fill out and send ( Declaration of unauthorized endorsement or altered item ). On XX/XX/2023 I received a letter from Chase stating that bank that accepted my check was responsible for repayment but that they would make an attempt to recover my lost funds that may take 90 days or more to resolve. On XX/XX/2023 I received a letter from Chase saying that they hadnt received a response from the depositing bank and that that bank was responsible for the claim. They added that if they hadnt heard from the depositing bank in 90 days from my claim submission, they will close the claim and my funds will not be recovered. I wasnt given the name of the depositing bank. On XX/XX/2023 I returned to the Chase bank and spoke to the manager who initially helped me. He called an internal number and found out that : h the depositing bank was XXXX XXXX XXXX ; that Chase made one attempt to contact them with no return response, and a recent second attempt on XX/XX/2023. They suggested that I contact your government office of consumer finance, hence this application. HELPFUL INFORMATION Chase Declaration of Unauthorized Endorsement reference number : # XXXX Chase contact number : XXXX Original check : chech no. XXXX, check date XXXX/XXXX/XXXX, amount {$2900.00}, payable to XXXX XXXX XXXX XXXX XXXX. Check cashed at XXXX XXXXXXXX XXXX ( I do not know the address ).
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer reports as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: CA
Zip: 95949
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A