Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card JPMCB CARD SERVICES waS opened XX/XX/23 with a balance of XXXX which I did not open. I received an alert from my bank
Company Response:
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: JPMorganChase Bank is in violation of Title 12, XXXX XXXX Section 4001-4010 of the United States Banking Laws. On XX/XX/, I entered the Chase Branch # XXXX, located on XXXX XXXX, CA XXXX to open a checking account using a Social Security XXXX check payment of {$2600.00} which the bank opened. 2 days later, while checking the status of the account, I discovered that the account had been locked by the Security & Fraud department. After placing multiple calls to the " Help Center '', and getting hung up on several times by the center, I was told that security had closed my account but no one would say why. I ultimately contacted the Executive Offices in Texas to find out what is going on. I was told that they would assign a " Special Investigator " to find out what happened. In addition, I was informed that as the check had already cleared and the account had been closed that I could return to the branch the following day and retrieve my deposit. I entered the branch on XX/XX/ to make the withdrawal and was refused by the bank. The security department had refused to release the deposit back to me and refused to speak to me or clarify what the reason for the situation is. I called the Executive Offices again and was told that an investigator had been assigned and was transferred to her. The case # assigned is XXXX. The agents name is XXXX, no last name, at extension # XXXX. She told me that she hadn't had time to review the case yet but that she would look into the matter and call me on Monday. The agent has spent her time ducking my follow up calls and has been giving me the run around and basically doing nothing but stall for the security department. Her last excuse before not answering my calls anymore was that no one had returned her requests for information yet. The only communication from security was a message sent to the Chase app which I no longer had access to to read. Tomorrow, XX/XX/ now marks 15 banking and 18 actual days that they have been holding on to my very first XXXX payment in defiance of federal banking laws. They have continued to send me welcome information and the debit card even though the account has been closed. I am now pursuing a criminal complaint with the US Attorney 's office for XXXX California along with the District Attorney 's office for XXXX XXXX XXXX and the California Attorney General 's office. I have already and continue to pursue complaints with both State and Federal Agencies that have regulatory authority over commerce, businesses and securities and exchange services. I am also going to retain an attorney to sue for an amount no less than {>= $1,000,000} for damages, pain and suffering and punitive damages. I am also notifying the Social Security Administration and the ADA since I am XXXX and they are interfering with my life and health as well as the health and XXXX of a XXXX XXXX All of which will look very good on the XXXX XXXX for them.
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is request a root cause analysis ( RCA ) on why my original compliant XXXX took over 100 days to resolve and caused me to get legal representation before Chase would acknowledge that I was right and return my funds. Chases internal processes, procedures & people were incorrect and were requiring me to produce documentation that the courts said was unnecessary, not legal and would not produce. My legal council did not produce any documents that I had not already provided other than the explanation letter on why Chase was legally wrong for holding my funds. I as an individual tried to resolve the matter without legal representation and Chase would not help me, they were very dismissive and even made the comments that my funds would be given to the government after a period of time if I did not produce the documents the courts would not produce. After getting legal counsel, Chase acknowledged that all correct documentation was received and Chase still took 40 days to return my funds. This internal issue caused me to not have access to {$20000.00} for over six months and thousands of dollars in legal fees to give me back was rightfully mine from the start. I am fortunate that I had the funds to protect myself from this Bully bank but how are these incorrect processes, procedures & people impacting others who are not as fortunate to have the resources to protect themselves from this Bank? I can only imagine the amount of funds Chase is holding of other people. I want a RCA on my case with known corrective actions and for Chase to reimburse my legal fees and pay me 6 % compounded interest that I lost due to their inadequate process, procedures & people. How are we going to hold this big Bully bank accountable if there is no consequences to their actions?
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a business account with chase bank that was recently opened the beginning of XXXX. I am a XXXX XXXX XXXX and my first XXXX submitted their first payment to me on XX/XX/XXXX. Chase immediately froze my account, has closed the account has said that they are no longer doing business with me, and will not provide an explanation or a reason. They also did not notify me that this was happening. I noticed it when my payments from that account were being rejected and now I have return check fees. Chase is currently holding tens of thousands of my dollars that I can not access. They let me know I can still make deposits but no withdrawals. Feels like I was robbed.
Company Response:
State: VA
Zip: 23508
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XXXX XXXX I opened an account with Chase Bank in XXXX XXXX Illinois Branch. I deposit {$300.00} cash to open the account. I never received my debit card in the mail. when I called the bank to inquire about my debit card the person on the other line said that my account was closed do yo no activity. I went in person and asked for my {$300.00} and was told that I had to call and make a complain with their fraud department. I called and the fraud department said that a check has been mailed and nothing further is to be done. I never received such check. When I call back I get the same answer a check has been mailed and when I ask if the check has been cashed because I did not cash it, I get transfer to another line and as of today I have no idea what happen to my {$300.00} dollars.
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: chase changing for cash advance on XXXX purchases. charged 3X {$10.00} plus interest on small purchases.
Company Response:
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I Wrote two checks from Chase my business account XXXX one to XXXX XXXXXXXX XXXX My accountant ( {$500.00} ) and the second one for my Lawyer XXXX XXXX ( {$1000.00} ) Somebody obviously stolen the checks both did not receive and I had to pay them few weeks later both checks were cashed by a different by a bank in XXXX Virginia clearly the endorsement on the back of the check does not match the person who the check was made to. Since XX/XX/XXXX I have been trying to recover my money from Chase, after two years they told me I should have received a letter in XX/XX/XXXX telling me I need to call the other bank I hang up on them and one of the account manager at Chase gave me your website to file a complaint If the other bank made a mistake and cash those checks to the wrong person, chase should have not gave them my money I think chase should give me my money back ... Because they paid illegally to the wrong person. In my opinion they are trying to cover the mistake for making me pay for it
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX we wired money ( {$21000.00} ) to JP Morgan Chase Bank to pay a subcontractor that did work on a project in XXXX XXXXXXXX. The next day we found out that the money was never received. Our subcontractor provided us their banking information through email and found out after the fact that the routing number was correct, but the account number was incorrect. Through the email there was fraud. The subcontractor immediately contacted us about the fraud and requested a reversal of funds, since it was sent to the wrong account number. We were informed that JP Morgan Chase didn't take the proper steps matching the wire transfer to XXXX XXXX XXXX XXXX information and JP Morgan Chase admitted they did not take the proper steps in matching the wire information ie. Name of company and address to proper account. My complaint is JP Morgan Chase was negligent and is responsible for the wire fraud. Chase is responsible for the request reversal, so we get our money back to pay the Subcontractor ( XXXX XXXX ) in full.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Back in XXXX of 2023, I purchased an item from an online vendor. The item purchased was a carbon fiber mirror cap for my vehicle. Unfortunately, this vendor purchased the mirror cap from a different vendor in XXXX and when the item was shipped from XXXX, the item was damaged during transit. Upon receiving the item and inspecting it, I reached out to the vendor and notified them of the damage and wanted to get a refund. The vendor then goes on to say that the item was shipped in good condition which doesn't matter since items can get damaged during transit and happens all the time due to various reasons, XXXX of them being poor packaging. I asked the vendor for a refund and to provide a return shipping label. They agreed to a refund however they can't provide a return label without proof that the part does not fit. I recorded a video showing that it does not fit and even took it to an autobody shop and had XXXX of the mechanics try installing it. They provided me with an invoice stating that the part does not fit. After providing the proof to the vendor, they denied a shipping label and stated that I would have to pay for return shipping back to XXXX which would cost a lot of money for a part that was damaged and doesn't even fit my vehicle. I then disputed the transaction with my bank Chase to which they denied my claim. I had faxed over supporting documents and they still denied my claim. Their reason for denying my claim was " The vendor had sent in pictures showing the item was not damaged before shipping '' which doesn't make sense since they do not physically take pictures of every item before shipping, which would mean they had taken a picture of another similar item to provide as proof that it wasn't damaged and not the fact that the part doesn't even fit. I called Chase claims department to reverse their decision and they said " you would have to figure out another way to get your money back such as contacting the vendor. '' If I could get my money back from the vendor directly, there wouldn't even be a need to file a dispute. The disputed amount is for XXXX.
Company Response:
State: WA
Zip: 98374
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A