Date Received: 2023-06-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Long story so please allow us to list events by dates to complain about Chase fraud prevention weakness, flawed account opening process, disorganized fraud investigation process, and missing customer remediation procedure. XX/XX/XXXX - got connected by NJ XXXX that our record home address was changed due to fraud, needs to stop by to make new license and change registration and title. Our friend in XXXX experienced the same issue where the fraudster used the fake driver license and took out {$8000.00} cash from the counter. As a result of this alert, we called Chase and went into the branch asking what could we add to the account to flag potential fraud crimes on my accounts. Teller in XXXX NJ branch said nothing could be done. We call Chase and added a voice security code. Subsequently we started to lower the amount from the checking account ourselves to prevent fraud withdrawal. XX/XX/XXXX - I received t-bill matured deposit of {$110000.00}. Before that my checking account balance was less than {$1000.00}. XX/XX/XXXX - We didn't get any alert but when I logged onto the website to do billpay and noticed a pending online transfer in the amount of {$86000.00}. transaction # XXXX Same day, we went into the branch asking about what's going on and filed claim. XX/XX/XXXX - The account triggered over draft because I have scheduled a re-investment of T-Bill with face value {$110000.00} ( with purchase amount {$100000.00}, interest discount $ {$490.00} ) XXXX first got the fund and posted the transaction. Later XX/XX/XXXX - we got the letter that the transaction despite triggered Over Draft, got rejected. We never got any explanation why. XX/XX/XXXX - A letter in the mail arrived with investigation conclusion date of XX/XX/2023 saying that the online transfer of {$86000.00} was deemed as authorized, thus no adjustment is applied to my account. During this entire period, me or my husband, or both almost in the branch every day explaining or providing different types of materials, information, but the fund was gone from our account and never got any explanation around : 1. how fraudster is allowed to open a new business checking account with only the fraudulent driver license ID ( we never had any access to that new account listed under my husband 's name ) 2. why we were not provided with provisional credit to maintain operational needs of this account for paying my already scheduled transactions and either triggered late fee payments, or forfeited t-bill interests 3. disconnected information around when our issue will be resolved. 20 days now, as a consumer with Chase for over 20 years, I have no clue where the {$86000.00} is at, at the fake new business checking account, taken out by fraudster already, in Chase 's suspense account, or whatever. Teller at the XXXXXXXX Branch was not showing any sympathy although she witnessed we in and out of the branch everyday for 3 weeks, and gave me a nasty look when i was expressing my frustration about the backoffice procedure today XX/XX/2023.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I attempted to withdraw {$520.00}. Chase ATM informed me that exceeded my withdraw limit. I withdrew {$300.00} instead. I only received {$300.00} from the ATM. ON XX/XX/XXXX I noticed chase had debited my account for {$300.00} and {$520.00}. I called chase and they apologized and credited my account the {$520.00} I never received. Then on XX/XX/XXXX they debuted my account {$520.00} and labeled it as a claims reversal. On XX/XX/XXXX I called chase 3 times - each call lasted more than XXXX. They disconnected the first time. The second time I spoke to someone and they transferred me to another department that disconnected the call. The third time they transferred me to another department who couldnt give me my funds but opened a claim. On XX/XX/XXXX I visited the chase branch. They said they do not hold record of atm transactions or video footage but called chase for me. They stated they need to count the atm and if there is a {$520.00} variance they will credit my account and I need to wait a week. Chase will not realease any information to me on why they are rejecting the claim. I currently have - {$270.00} in my account and I need this {$520.00} back. I shouldnt have to spend this much time on the phone and wait this long for a resolution. Chase should not have the ability to take {$520.00} out of my account and leave me with a negative balance without communicating to me.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Whenever I was trying to place an order using the XXXX app, there was always a promotional pop-up for Chase XXXX XXXX XXXX credit card. I avoided it many times. But sometimes my purchase would not go through if I dont click on that promotional link. It also said that being a promotional offer, it will only reflect as a hard inquiry on my credit report if I qualify and accept a credit card offer. I have not accepted any credit card offer. However, the inquiry is reflected as a hard inquiry on my report since XX/XX/XXXX. I have been following up with XXXX using chat and phone more than 4-5 times. I was told that this inquiry will be removed from my report, but it is still there.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to officially bring to your attention a serious issue I have recently encountered with Chase Bank, which resulted in substantial financial losses and disruption of my business operations. I am a customer of Chase Bank, and I maintain a high standard of diligence when it comes to the management of my finances. However, despite my efforts, I have suffered a significant loss due to an unjustified transaction rejection by the bank. I attempted to purchase a stock of merchandise from an overseas supplier, valued at approximately {$7000.00}. Upon initiating the transaction, I was informed by the bank that the transaction had been rejected. I immediately contacted the bank to rectify the situation but was met with an uncooperative response. Despite my insistence and the criticality of the transaction for my business, the bank failed to provide an adequate solution or allow the transaction to proceed. This action from Chase Bank not only caused an immediate financial loss, as I was unable to secure the merchandise and lost the associated investment, but also led to downstream impacts on my business, disrupting my operations and causing reputational damage.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX. Visa card XXXX XXXX XXXX XXXX they ( chase ) Closed the Account in XX/XX/XXXX. I explained to chase whom I've been a customer since XXXX, that the chargers that was being charged to my account was not mine. I've never exceeded my 10 % usage on any of my cards. But they never resolved the matter and now it destroyed my credit file and score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the bulk of the chargers that was unauthorized. XXXX XXXX XXXX also charged allot of interest in relations with these charges.
Company Response:
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I, the consumer and natural person, was denied credit by JPMorgan Chase Bank , National Association when I applied for consumer financial product or service referred to as Chase Freedom Card. Adverse action against a me as consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. JPMorgan Chase Bank , National Association is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by JPMorgan Chase Bank , National Association due to the response I received in adverse action letter. JPMorgan Chase Bank , National Association is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer tendered valuable completed application in good faith, but credit was not issued. Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) by fiduciary, JPMorgan Chase Bank , National Association.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: - On XX/XX/XXXX of XXXX my bank card was charged with unauthorized transactions of {$5900.00} at XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. And & {$600.00} was withdrawn at Chase bank ATM. Ive contacted the bank same day and the restricted my account and they stated that there will be a refund for the unauthorized transactions. Couple days later the filed claim was closed and no credit was received. I called the bank again and they informed that this case is closed because my card was used meanwhile my card was in my possession and i did not authorize any of these transactions. I received an email from chase asking me to confirm or deny the transaction but I declined it but they still processed the unauthorized transaction. At the time XXXX have swapped my number to someone else without me knowing about this, my phone services were off and i was unable to access my XXXX and bank account.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to address a matter of utmost concern regarding our business checking account that was compromised, resulting in XXXX fraudulent unauthorized purchases, totaling {$2500.00}, between XX/XX/23 and XX/XX/23. Upon discovering these unauthorized transactions, I took IMMEDIATE action and called Chase on XX/XX/23, in an effort to report the fraudulent activity and stop them from reocurring. However, I was disappointed to find that the customer service representative I spoke with, failed to deactivate and replace my card promptly, which could have prevented any further unauthorized purchases from occurring. Furthermore, despite my persistent efforts to dispute the transactions and submit the necessary evidence on three separate occasions, I regrettably received denials for all my claims, and a refund was refused. It is imperative to emphasize that my husband and I devoted significant hours to communicate with your claims department, diligently providing information with the hope of halting the unauthorized charges. Unfortunately, the employees assigned to assist us demonstrated inadequate language proficiency and were ill-prepared to offer appropriate guidance to resolve such crucial matter, the safe keeping of my incomeand savings. Their incompetence and ineptitude, coupled with deceptive information provided, only served to further hinder our attempts to uncover the true nature of these transactions. It was only after my personal investigation and subsequent contact with XXXX headquarters that I discovered the transactions were conducted in person using a cloned card. This revelation explains how the imposter managed to make purchases at XXXX, despite evidence from my cellphone towers indicating that I was geographically located over XXXX miles away from the perpetrator at the time of the transactions.
Company Response:
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After I paid my auto loan off it was reported paid and late 30 days. I disputed it several times. Initially it stated it was 30 days late in XX/XX/XXXX the month it was paid off. After disputing it the month was changed to current but the remark remains 30-60 days late. I reached out to Chase credit department and I was told that my credit report shows never late and they could not see the remark. I disputed it 3 times but nothing was changed. I reached out to Chase again and I was told it was late in XXXX XXXX and my checked was returned. I told them that was incorrect and I was told to send in my bank statement showing it was not retuned and my credit report showing the remark. I did and it still was not corrected on my credit report. My XXXX and XXXX report show never late but has a 30-60 day late in the remarks. Every month on these reports show paid on time. I do not understand how a credit report can show a perfect rating but has a negative remark. Since this has been on my credit I have lost accounts and limits have been decreased because of this negative and inaccurate reporting. So basically my XXXX and XXXX report show a perfect never late for each month but I remark of 30-60 days late without showing which month it was late.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A