Date Received: 2023-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text message at XXXX XXXX from the phone number ( XXXX ) XXXX : " Chase Alerts : Did you attempt to send a wire transfer for the amount of {$4500.00} Reply XXXX or XXXX. STOP to end. '' I received a phone call that my caller ID labeled as Chase ( XXXX ) XXXX. The caller identified himself as a member of JP Morgan Chase 's wire fraud team. He asked me if I authorized any wire transfers or if I knew anyone by the name of XXXX XXXX. I replied I did not. I was then guided through my online account to submit what he referred to as wire transfer reversals. My husband verified that they were calling from actual chase bank numbers. We trusted them. I submitted two wire transfers one for {$12000.00} to XXXX XXXX and the second for {$9100.00} to XXXX XXXX. They had me enter my name into the return account so I assumed it would be returned to me. When I realized this wasn't right it was to late. The wire transfers were completed. My banking institution told me I was likely not going to get these funds returned. They filed a claim but told me that they were going to deny it since I was the one that made the transactions. Even though I was fraudulently led to believe it was my bank and their information was indeed compromised as well. So I am filing this with hopes that corrections can be made and I can get my money back.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I Constantly Check My Credit Report And Noticed That Errors And False Misleading Information For Individual Accounts Didn't Quite Meet The Credit Reporting Standards Of Being 100 % Correct This Has Changed Me And Held Me Back For Some Time Im Demanding The CFPB To Enforce The Corrects And/Or The Deletions Of These Items I Deposited Two Checks Into My Chase Checking Account On XXXX Chase Made The Funds Available But Refused To Release The Funds To Me
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. JPMCB Auto Finance XX/XX/2023 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit. Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My auto online bill pay is set-up to pay every month on/by the XXXX. The payment for XXXX was due on a Sunday, XX/XX/2023. The payment was credited on XX/XX/XXXX which is the next business day. Chase is scum and will not remove the late fee that they assessed which is illegal. Credit card companies generally cant treat a payment as late if its received by XXXX XXXX on the day its due ( in the time zone stated on the billing statement ), or the next business day if the due date is a Sunday XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX XXXX i received a letter from chase credit card services stating a delinquint account under my name was found not my responsibility to which i tried to apply for a credit card through chase card services XX/XX/2023 and was denied with the reason stating i have a charge off on my record from aforementioned account. They are still holding me responsible for that account even though the card was reported as stolen and you guys were contacted back in feburary about that account. Case card services marked it as a normal charge off when it should have been marked as a fraud charge off. I should not be affected by this and should still be able to be approved for a credit card. They also stated that even though i have almost XXXX years history with the aforementioned card that i dont have enough credit history to be approved. Due to them marking it a regular charge off the XXXX years were removed from my record.
Company Response:
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Our XXXX statement was scheduled to be paid on XX/XX/XXXXXXXX since the XXXX of XXXX fell on a Saturday. We regretfully did not have sufficient funds in our bank account for the automatic withdrawal but had every intention of paying the balance in full. It was merely a matter of transferring money between our bank accounts. Chase Bank attempted to pull it again on XX/XX/XXXX, during which the funds still had not been transferred. My spouse deposited the correct amount on XX/XX/XXXX, but by XX/XX/XXXX, the money still had not been debited from our bank account. I called Chase on XX/XX/XXXX to figure out the status of our payment, during which they said to wait a few more days to see if the payment would be processed. I called again on XX/XX/XXXX because the payment still had not gone through. I was told because it was a banking holiday, to wait another day. I called on XX/XX/XXXX because the amount still had not been debited, and upon speaking to the representative, was told that I could make a payment right then. I decided to proceed, only to discover later that a payment in the amount of {$5500.00} was made, which was the balance due for our XXXX statement, not the XXXX statement. I called on XX/XX/XXXX to see if the payment could be reversed, so that I could apply that sum towards the XXXX statement, and they said that it could be applied by having it returned to our bank account. On XX/XX/XXXX, I discovered that {$5600.00} was returned to our credit card, not to our bank account, effectively returning our supposed XXXX payment and accruing interest immediately. On XX/XX/XXXX, I called Chase and asked that my case be elevated so that I could speak to a manager immediately. I was told that I would be transferred, only for the call to drop. I called again, restated my request, and was transferred to a person named XXXX. After explaining my situation to them, they were condescending and rude to me, offering no remedy or even an apology for the situation. I am also suspicious that I was discriminated against since from the outset of our phone call, they referred to me only as an authorized user and even raised their voice to me.
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have multiple charges taken out of my chase account and they aren't authorized nor do they show as completed transactions on my XXXX XXXX. I have done everything I can to try and get my temporary refund that I was promised so that I may pay my bills which are now all past due and have charge back fees, penalty fees, and late fees as a result. Not to mention ruining my credit over this. Not only do I keep getting lied to by the representatives in the claims department of chase about my claim, I also keep getting lied to about my replacement debit card
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX of XXXX I deposited 2 checks # XXXX. {$670.00} # XXXX. XXXX which was made out to me and my mother from XXXX XXXX XXXX, my mother went with me, showed her ID, endorsed it in front of the teller, then I did the same... but there was a hold aced on this check. They required further verification which consisted of going into the branch and having my mother present 2 forms of ID, then they required the check issuer " XXXX '' acknowledging to have issued the check in question which they did, but it didn't matter ... then they wanted to verify all the previous checks deposited ever. On XX/XX/2022 my account was closed and the amount kept was {$1700.00} I tried to get the freeze lifted and everytime was requested to do something different, I asked them to release the funds to the state treasury but they won't do that, I asked to have the money returned to XXXX, but they won't do that either, i have never had any issue with any check I ever deposited and chase is a 3rd party accepting bank... I feel discriminated against and the relations that they must follow over extended and violated... I have lost my car, am about to get evicted and am a single mother of XXXX.. Please help me get this resolved, it's not right they closed my account and kept my money which wasn't a problem other than to my own bank...
Company Response:
State: CA
Zip: 90605
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The years between XXXX and XXXX, my old co workers from XXXX XXXX named XXXX and XXXX. I don't know their last names. We used to work together at XXXX XXXX XXXX under our boss XXXX XXXX. I believe that XXXX opened my Chase bank account auto loan in my name and was trying to get a fruadulent auto loans in my name. She has a gas station credit card in my name. Both of them XXXX and XXXX keep complaining and wants me to buy too many cars. Also, they were trying to get a fruadulent home mortgage loans and home title in my name. They always being contacted by my employers and all of applications where I applied to and always accessing in my accounts ( XXXX page, email addresses, and cell phone accounts ) They have my identity and fake driver 's license in my name. They are trying to steal my money in savings accounts.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint against Chase Bank Branch Manager XXXX XXXX and Private Client Manager I am writing to file a formal complaint against Chase Bank Branch Manager XXXX XXXX and Private Client Manager XXXX XXXX regarding their deceptive and unethical practices while handling my Chase Private Client bank account. Their actions have not only violated my trust but have also raised serious concerns about the integrity of Chase Bank as an institution. On XX/XX/XXXX, I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX, where XXXX XXXX and XXXX XXXX assisted me in opening a Chase Private Client bank account. During the account opening process, they made an explicit promise that I would receive a {$1000.00} bonus if I deposited a minimum of {$150000.00} into the account. This offer was a significant factor in my decision to choose Chase Bank as my banking partner. However, it has come to my attention that the aforementioned promise was nothing more than a ploy to deceive and mislead customers. Once I fulfilled the requirements and deposited the specified amount, I approached XXXX XXXX and XXXX XXXX to claim the promised bonus. To my shock and dismay, they outright denied any knowledge of such an offer and dismissed my concerns as baseless. Their predatory and fraudulent tactic, aimed at enticing customers with false incentives, is both reprehensible and criminal in nature. It is my strong belief that such behavior should not be tolerated within the banking industry, and appropriate actions should be taken against those responsible for perpetrating these deceptive practices. I kindly request that the government authorities conduct a thorough investigation into the actions of XXXX XXXX and XXXX XXXX. I urge you to take the following steps : Revoke their Money Branch Lender License : Given their deliberate disregard for ethical standards and their violation of customer trust, it is imperative that their licensing to operate as bank officials be revoked immediately. Prosecute XXXX XXXX and XXXX XXXX : Their actions constitute fraud, deception, and a breach of consumer rights. I respectfully request that legal action be taken against them to ensure accountability and prevent similar incidents in the future. Conduct a comprehensive review of Chase Bank 's practices : This incident raises serious concerns about the overall integrity and transparency of Chase Bank. I urge the authorities to initiate a thorough examination of the bank 's policies, training protocols, and customer service practices to prevent further harm to unsuspecting clients. I appreciate your attention to this matter and the swift action you take in addressing these grave concerns. As a consumer, I believe it is our collective responsibility to safeguard the rights and interests of individuals against such predatory behavior. Please keep me informed about the progress of the investigation and any steps taken in response to this complaint. I look forward to a resolution that not only rectifies the damages caused but also ensures that similar incidents are prevented in the future. Thank you for your time and attention. Sincerely, XXXX XXXX
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A