Date Received: 2023-06-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I try in some many ways to work with my lender. in 2022 we sent so many applications but it seems that the investor which is chase as well, cant even raise the payment so we can at least we can keep our property and continue with the mortgage payments. The reason of denials are unfair and are not based on our income expenses or debts. We were never given a breakdown of the income expenses and debt that were consider for the decision. The house is where my mother lives and after the death of my father during COVID-19 pandemic my mother began to fail with XXXX so im taking care of my mother and my name and my husband are in the note as well as my mother. We try to show our income and that we are capable to continue with the mortgage payment but chase just wants to foreclosure on our home. We try to work with the state but now the balance is avobe the limit and the state relief program cant work with us. The past due balance is now {$110000.00}. Please help us do something
Company Response:
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I added my XXXX XXXX as an authorized user eight years ago. Now that he is an adult, card performance is reported to his credit report. He hasnt personally given authorization to the bank to use his credit report, and he is not financially liable for it. This does not seem right, ethical and does not seem a permissible practice under the Fair Credit Reporting Act. I contacted the Bank and they were dismissive and not willing to provide a response backed by existing laws and regulations.
Company Response:
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received two phonecalls on XX/XX/2023 with Chase Bank 's caller ID. Unfortunately I answered the second call, and apparently a scammer was posing as a chase rep in the fraud department. They " verified '' my information and already had specific details about my account, includ8ng the balance. They collected information to " file a claim '', but actually stole my information to take {$1400.00} from my bank account via 14 ATM withdrawls the same day. Maybe not a lot of money to some, but a lot to me. Chase denied my claim. I've been banking with Chase for 14 years because I believed they would protect my money. Now I'm reading online in news articles that this has been happening to other people for months. Chase is aware of the problem and hasn't taken any measures to protect its customers, calling it a " social issue ''
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: A call came into my place of business earlier today threatening the power would be terminated imminently due to an outstanding balance. They gave me a case number to be reimbursed in case there was an error on their end. When I asked why they never notified me they said XXXX letters had been sent. To avoid immediately losing power at my store, I figured I could present the case number and reverse the charges if it was their mistake. I had customers and meetings, and ended up paying {$1000.00} via XXXX to avoid the shutoff. I contacted Chase and they said there is nothing they can do. These are the phone numbers tied to this : ( XXXX ) XXXX ( XXXX ) XXXX *this was the number used with XXXX And XXXX just called again about collecting the remaining balance. Unreal.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: A man called me and said he worked at Chase Bank. He said someone named XXXX XXXX from XXXX XXXX, XXXX was trying to take XXXX out of my checking account and did I approve that. I said no I didnt approve that. He asked me if I wanted him to help me get my money back. I said yes. He had me go on this wire application for chase bank and I thought he was wiring me my money back but instead he scammed me out of XXXX. He called me from chase bank phone number so I thought it was a legitimate call. Chase bank denied my claim to give me back my money because they said I initiated the transfer. I dont understand why they think I initiated the call when the guy called me from the banks phone number. He already had my debit card information. He even told me to get rid of the card because they were turning that card off and sending me a new card.
Company Response:
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: When my cellphone rang, the caller ID said Chase. The caller said she was a Chase rep alerting me that a fake checking account had been opened in my name. She had all my information. She closed the account but needed to cancel 2 pending XXXX transactions. She transferred my call to another Chase rep after she gave me the deactivation code for the XXXX cancellations. The male Chase rep walked me through the process, which I was becoming skeptical of. He told me the recipient was " Cancel XXXX. '' I needed to add the deactivation code to the amount box and change the dash in the code to a decimal point to Cancel XXXX. I said, " This is going to look like a payment. How do I know you aren't scamming me? '' He said this is the only way XXXX will accept this deactivation. It was for {$490.00} and the fake Chase rep asked me to press SEND. When I did, nothing happened. The fake Chase rep then asked me if I had pressed SEND because it didn't go through. I said, " Yes. '' He told me to hold on so he could check. That's when I hung up on him and called the XXXX Fraud line. A recording came on that told me to call the number on the back of my Debit card. I quickly hung up and did just that. A guy named XXXX answered. I told him I'm in the midst of being scammed and asked for his help. He looked at my account and said, " The fraud was caught. That Cancel XXXX sent up a red flag and Chase caught it. That transaction has been suspended due to fraud. '' I said that it still says " Pending Review '' on my side. He told me not to worry because it was already caught as fraud before I called to report the fraud and it was never going through. I thanked him and asked him to remove the " Cancel XXXX '' as a recipient so I didn't have to see it when I logged on. He did that in seconds. My handyman was with me for all conversations and an hour later I paid him through XXXX. The fraud transaction still came up on my screen as " Pending Review. '' Sometime the next day I logged onto my account and saw that the suspended transaction had gone through. I immediately called the number on the back of my Debit card. XXXX from Chase said she wasn't sure it had actually gone through. She put me on hold to investigate. When she returned she told me that the suspended transaction did somehow go through. I asked, " How that could be when I was assured it would never go through? '' She tried to find out but never really disclosed to me how or why a fraudulent, suspended transaction went through on my account. XXXX said I would be credited {$490.00} because it was a suspended transaction and that the credit could take up to 10 days. A day or so later, the Chase Claims department sent an electronic letter saying they denied the {$490.00} credit and that I should call them to find out why. When I called, I was told they had no recording of my ever calling Chase to report fraud and that they could find no XXXX who worked at Chase. I asked if I was being called a liar. I told them they were incompetent and that doesn't make this story any better because I don't want to bank at a place that can't find my recording or that doesn't acknowledge that I reported fraud. I asked for the call to be escalated again. XXXX in the Claims department told me I called the wrong number. He said I shouldn't have called the number on the back of my Debit card. I needed to call the Claims department. I said I never felt the XXXX payment was completed because they didn't send me a code like they did when I paid my handyman. He said they don't always do that. He said that since I pressed SEND, I had to pay. I said something like, " But it wasn't completed. It was suspended for fraud! There was no transaction. There was never supposed to be a transaction. Why did someone process a suspended transaction? '' He had no answer for me that I recall. I asked if this was it and we were done. He said, " Yes. '' I went to my branch on XX/XX/XXXX and told a very nice rep, XXXX, this whole horrible story. He emailed someone to escalate and investigate this. Someone called me on XX/XX/XXXX to do research on this but said it is difficult to overturn these things. I am still waiting to hear back from her but feel this story is outrageous enough that it needs to be shared. Thank you.
Company Response:
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for 2020 XXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.
Company Response:
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXXXXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to XXXX XXXX XXXX. Open fraudulently on XXXX of 2020 per the last credit report. Chase bank checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a Chase credit card in the mail I did not apply for on XX/XX/2023. I checked my XXXX account and saw there was a credit report ran by Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX to ask if the credit line was active and was told not only was it active but there were already charges on the card although I had just gotten it and it was still attached to the mailed paper. I believe the charges were from something XXXX and a XXXX XXXX. After explaining this, the card was going to be frozen and I then called XXXX to file a report. I called immediately after also on XX/XX/XXXX were an official report was done after being transferred to a specialist for the inquiry. Now I am waiting to file a police report and finishing this report.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In felony retaliation for me filing a previous complaint with the Bureau for mishandling a violent fraud incident, Chase is now maliciously withholding a government deposit - as if they think that the federal government will now default on its checks. Clearly, the only customers that JPMorgan honors money from is if youre a XXXX - as long as you have a last name ending in XXXX. JPMorgan needs to quit stealing money from the working poor to fund covering up their part in XXXX XXXX by XXXX XXXX.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A