Date Received: 2023-07-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My account was Hacked on the week of XX/XX/XXXX to XX/XX/XXXX. A total of approximately {$5300.00}. My card was with me at all times. ATM withdrawals, purchases at XXXX XXXX, XXXX, all purchases made in XXXX NY. I dont leave there! My residence is XXXX OH and work in XXXX XXXX Michigan. I contacted the bank the first time XX/XX/XXXX and a claim was submitted. I reached out again XX/XX/XXXX because I havent Heard back and they told me the claim was denied and close the claim. They also told me they send me a letter notifying me, that I never received. The bank is saying that my pin was used and refused to pay my money back. They also refuse to provide me with assistance on documentation that I can provide to retrieve my money. My claim # is XXXX.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Hard credit inquiry on my credit Report.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 a check in an envelope was stolen from my home mailbox. The check was in the amount of {$120.00}. It was stolen and altered to change the amount to {$12000.00}. It was my Chase Business checking account. The name of the person who the check was payable to was altered and changed to someone I do not know. The check was chased by XXXX XXXX. I filed a police report and started a claim with Chase Bank on XX/XX/2021. The local police investigated the case but ultimately it was closed. Chase Bank has continued to investigate my claim for the last 2 years, and the claim has been " expedited '' and/or " escalated '' several times. However, Chase has continued to tell me, over the course of the past 2 years that they are waiting for XXXX XXXX to answer the claim and ultimately " cut me a check '' for the monies stolen from my Chase Business Checking account. I have been extremely dissatisfied about the way Chase has handled this complaint as their communication with me has been very limited if at all. I have to initiate all the calls with them.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed and the bank is holding my pension checks hostage for 21 days. I need these to live on. They say it takes 21 days to get my money.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To clarify, Chase never responded to my letter. I did call their Claims Dept and was verbally informed that we did not prove fraud and would need to resolve this directly with the merchant. Unfortunately, my wife and I were the victims of Fraud. Here are the facts, on XX/XX/23, my wife received an email communication from Chase Bank that our account was overdrawn. She knew that this could not be correct as we had a substantial balance and she contacted Chase Bank by phone, immediately. She was informed of the two XXXX XXXX tickets purchases, {$800.00} & {$840.00}, causing the overdraft. She immediately informed the Chase Bank Employee that she didnt purchase any airline tickets and that this must be a fraudulent purchase. She requested the purchase be nullified and the account reimbursed and closed, to prevent any future fraud. The account was closed, and she was issued a knew Debit card in the mail. The Chase Bank Employee responded that the transaction had not yet been executed and that she would cancel it. My wife ended the call thinking the situation was resolved. To our surprise, Chase Bank later debited the money from our checking account. My wife called Chase Bank, spoke to an employee explaining the above. We then recently received this letter, included approximately 1.5 weeks ago, rejecting our claim, and stating that Chase Bank Claims Division determined that we purchased and/or authorized these two airline purchases. I am including our letter emphasizing that the email and phone information provided by Chase demonstrate the Fraud as they are not my wifes email account and phone and that this is the essence of a fraud case. Chase insisted that she may have multiple email addresses and phones. In other words, the burden of proof of a " negative '' is on us. This is absurd ; we can not prove a negative and would be willing to provide affirmative testimony under perjury penalties that these are her only email acct. & phone #. Additionally, it is equally absurd for us to contact XXXX XXXX as we never made these purchases. However, on XX/XX/23, my wife did so any way and the XXXX XXXX employee, ID # XXXX, informed her that XXXX never issued payment for these 2 purchases as these are under dispute. Either XXXX XXXX is lying, or Chase Bank is lying, and we are stuck in the middle, each one claiming the other is responsible. To summarize, my wife, nor anyone else my family, made these 2 XXXX XXXX purchases. They were totally fraudulent purchases. My wife acted immediately to prevent these transactions, close, and protect our bank accounts and acted in good faith. Chase Bank from onset provided inaccurate information, reversed itself and put an impossible burden of proof on innocent victims. I am including all the relevant documents in my fax.
Company Response:
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to file a formal complaint against JPMorgan Chase, regarding an erroneous {$5800.00} charge-off that has been added to my credit report. Despite my repeated attempts to rectify this issue, JPMorgan Chase has failed to provide any evidence substantiating the legitimacy of this debt. I have sent three letters to the company requesting proof of ownership and clarification, yet I have received no response other than a document requiring me to demonstrate that the debt is not mine. This unresponsive behavior has led me to seek assistance in resolving this matter through the appropriate channels. As a consumer who prioritizes maintaining an accurate credit history, I am deeply concerned about the potential implications of this false debt on my financial well-being. The actions of JPMorgan Chase in neglecting to address my legitimate concerns have not only caused undue stress but have also violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have attached copies of the three letters I previously sent to JPMorgan Chase, along with proof of delivery, to demonstrate my earnest efforts in resolving this matter directly with the company. I kindly request that these documents be included as part of my complaint for your thorough review and assessment. I hope that your intervention will encourage JPMorgan Chase to acknowledge their error, rectify the situation promptly, and take necessary steps to prevent similar incidents in the future. I eagerly anticipate your response and the resolution of this unfortunate situation. Thank you for your attention to this matter.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not responsible or liable for this debt with JPMBC, I don't have a contract with them, they did not provide the original contract as I have requested
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The card was chase that had fraudulent usage and left in financial hardship. I contacted them they sent my money to another account. I also tried to contact the bank they gave me the link for the police. I made reports and it's still affecting my credit score.since 2020.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received a call from a scammer that had access to my debit card information. I immediately contacted Chase to have report my card as stolen. I received an email stating my replacement card request had been received. Later that night, I received a fraud alert from Chase about a purchase in XXXX, GA that I responded to indicating it was not me attempting to make the purchase. My card was canceled again. The next day, XX/XX/XXXX, I noticed four charges to my checking account : XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$130.00} XXXX XXXX # XXXX XXXX GA XX/XX/XXXX {$140.00} XXXX XXXX # XXXX XXXX GA XX/XX/XXXX {$130.00} Two of the transactions were still pending and Chase canceled those accounts. I was issued a temporary credit for {$270.00} and that credit was reversed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent an email stating their investigation determined the charges were not fraudelent even though these charges occurred after my card was reported stolen. Per the fraud department, I sent the below attachment and have yet to hear anything back from Chase regarding this matter.
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A