Date Received: 2023-06-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 Myself XXXX XXXX applied for a apartment with my cousin XXXX XXXX we also had to get a money order from XXXX to pay for the deposit, but we put the money order in my cousins name. Long story short we didn't get approved for the apartment so they gave up the money order for XXXX dollars back with their apartment name still on the money order and so was my cousin XXXX XXXX name. I thought they would have just gave us a new blank money order but they gave me the one we gave them. So the next day I take my money order and the receipt to my local chase branch in Texas because that's were we was trying to move to in XXXX Texas I ask the teller if I can scratch the apartment people name off and put mines she said no problem and didn't even take the receipt I gave her from XXXX and these video recordings in the bank should still exist of me handing over the receipt and all. The bank teller deposit my money order it took 7 days for it to clear, then I went to the atm they said my account was frozen so I called chase and I was already in the negative XXXX something dollars but my account had a active balance of like XXXX remaining after the money order cleared. They asked when I called over the phone to take my receipt to the branch and have them upload to their Vault That's is like a chase system where they say it take 24 to 48 hr for them to see it. I did this reppeadlty for 2 weeks over 5 times and the phone conversation were recorded I would Like to get those recording from the phone and in the bank for evidence and I still have my recepit. I even called XXXX to make sure everything was still good on they end the place were we made the purchase for the money order. They dont no if I needed those funds to apply for another apartment or what every time I call like just 2 week ago they said my check was Mailed out now today I had to most rude experience of them not trying to help me so they was not sending out my check. I want to sue for damages and more for all they put me through I was a loyal customer for over 7 years and they closed my account and have release my funds yet due to this where I did nothing wrong and have all the evidence to prove it. The lady I spoke with today wouldn't give my access to the conversations she said I had to get a lawyer to do that I really want a lawyer
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23, I was notified via email by my financial institution ( Chase Bank ), of which I have been a loyal customer for over 20 years, at XXXX cst, that my account was locked due to unusual activity. I did not see this email until about XXXX cst. I called the customer service number that I was provided by accessing my account via mobile app, and was informed that the Chase has chosen to close the account. No other information was provided to me except that I should visit a local branch. I went to the local branch when the bank opened at XXXX cst, and was assisted by the branch manager. She accessed the account and was able to see the transactions, but there was a note on the account for the internal employee of the bank to call a certain number. She called the number and was only able to give me information that the account was closed at Chase 's discretion by XXXX XXXX and that I would receive a check for the funds in the account in 2 weeks ( by XX/XX/23 ). I was also informed that I would not be able to access any funds ( XXXX ) and any auto payments that I had coming out of the account would be rejected. So I was going to be without access to any funds, and unable to take care of my financial responsibilities for 2 weeks. I was not given a reason as to why, and I don't have any idea as to why. Please assist me with this issue. Regards ... XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom it may concern, THIS IS NOT A DUPLICATE COMPLAINT. I am requesting to provide new information and evidence to Chase Bank on a previous claim that was closed. I now have recordings of my XXXX calls to the police starting at XXXX XXXX which I consider evidence of having reported my phone stolen. Chase Bank is refusing to return the funds that were stolen from my account using my phone and a stolen debit card. This was allowed to happen due to Chase Bank 's faulty security system. I went to XXXX XXXX in XXXX XXXX and was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my face was used to unlock my phone. I came to in the vehicle and discovered my phone was missing from my pocket. I saw it in the hands of the person driving the car and took it back, but the people in the car wrestled it away from me. I demanded to be released from the car, but they would not stop. I ended up grabbing one of their phones and jumping from a moving vehicle. By the time I got back to my XXXX and called XXXX, they had already turned off " find my XXXX '', changed my passwords to banking apps, and changed my XXXX ID I was also separated from my friend so went back on the streets looking for him during the night while calling the police repeatedly I did not realize it until the next day, but they also took a debit card from my wallet. I reported my phone stolen at XXXX XXXX by calling XXXX. By the time I was able to go through the process of acquiring the official XXXX call recording from the XXXX XXXX Police Department, Chase Bank had already denied and closed my claim stating they were ". I would like the claim to re-opened and the XXXX calls to be reviewed. It's clear that I reported the theft to the police before many of the transactions occurred. DEBIT CARD TRANSACTIONS : Thieves were able to use my debit card with large sums of cash back at several store locations all night including at XXXX XXXX XXXX XXXX XXXX and others. The total stolen at point-of-sale locations using the debit card is {$6200.00}. It is not clear to me how so much cash back could be allowed at ANY grocery store in the middle of the night, even with " approval '' on a registered device. The fact that numerous accounts were being emptied with repeated debit card transactions for hundreds of dollars in the middle of the night in a city where I do not live should have triggered an alert to the fraud department at Chase Bank, even if someone " authorized '' these transactions. Criminals will always authorize transactions using stolen devices. ATM WITHDRAWALS : Thieves were able to steal {$4000.00} from my ATM accounts using my debit card. I do not know how they got my pin number, but I assume they figured it out from looking through my phone. However, I also believe it's possible that Chase Bank has an insider helping criminals. The reason Chase Bank gives for not refunding my money is, " We denied these claims because we sent a text message to a signer on the account, and they confirmed the transactions were valid before we approved them. '' After months of calling and trying to get more information, I learned from the Chase Bank Fraud Claim Department that the signer they are saying authorized the transactions was XXXX XXXX XXXX. XXXX is my sister and is on this account, but she was home in bed in Texas in the middle of the night, and did not authorize these transactions. Chase Fraud Claims Department states that the transactions were authorized by the phone number belonging to XXXX XXXX. This is a FABRICATION. She did not receive or approve text messages during the night, and they will not or can not provide proof that she responded to any texts approving these transactions. This message was not sent to XXXX 's phone, and it was not sent to a " signer. '' It was likely sent to my phone that was authorized with Chase Bank, but which was stolen and which was reported stolen at XXXX XXXX. Naturally, a criminal who has stolen a phone with full access to it is going to " authorize '' the release of funds since they want to steal that money. The fact that numerous accounts were being emptied with repeated ATM withdrawals for hundreds of dollars in the middle of the night in a city where I do not live should have triggered an alert to the fraud department at Chase Bank, even if someone " authorized '' these transactions. Criminals will always authorize transactions using stolen devices. XXXX XXXX TRANSFERS : Thieves were able to steal XXXX from my checking account by creating a new XXXX XXXX account and transferring funds from my Chase Bank checking account to that new XXXX XXXX account. The criminals changed my XXXX ID password and associated the XXXX ID and XXXX XXXX account with their own phone. This transaction was allowed to take place on XX/XX/2023, which is 5 days after our account had been frozen due to other theft related to the same criminal activity in XXXX XXXX. Chase Bank was fully alerted of the theft and frauduletn activity on the morning of XX/XX/2023. I do not understand why they allowed this further theft to occur. The response from Chase Bank is very confusing, and doesn't explicitly state that XXXX XXXX refused my claim. The response states, " We reviewed your claim XXXX for the transactions with XXXX XXXX totaling {$4900.00} which debited your account ending in XXXX on XX/XX/2023. We issued a temporary credits totaling {$4900.00} to your account on XX/XX/2023. We denied the claim because the merchant provided evidence that you were charged correctly and we removed our temporary credits on XX/XX/2023. We also show that the merchant returned the credits to your account on XX/XX/2023, totaling {$4900.00}. '' This implies the funds were returned to my account, but they did not mention that they were debited from the account again on XX/XX/2023. I believe this was in error. The Chase Bank fraud claim representative stated that XXXX XXXX had done their own investigation and determined that the funds were not returned to my account because they didn't have evidence of a crime taking place. I was told I would have to contact XXXX XXXX for more information about their investigation. When I called XXXX XXXX, I was told they do not do any investigation but rather Chase Bank would have done the investigation and that I have a right to the details of that investigation. They stated they did not explicity deny or approve anything related to my transactions. I would like Chase Bank to provide me with copies of all evidence gathered in the fraud investigation, and I believe I have a right to it. This includes any records showing that XXXX XXXX or their partners provided a denial of my claim, and any text messages or other information approved the transfer from my Chase Bank checking account to the XXXX XXXX account set up by criminals. After calling XXXX several times during the night, I was finally able to file a police report the next day. I also filed a complaint with the FBI in person at the XXXX XXXX office. I have provided the police report stating my phone was stolen and that financial crimes occurred. I have provided the FBI contact information to Chase Bank as well, but they have not called him. I have provided dozens of documents showing the lock code being used by me at the XXXX throughout the night, phone call records to XXXX, my wife, etc. Frantic texts from my friend who realized I had been XXXX, etc. For the record, an Chase Bank employee with the title " Vice President '' told me XXXX 's security " sucks '' and until XXXX understands this sort of fraud with stolen phones, a whole lot more people are going to get ripped off. I would like to know if XXXX fraud claim investigators reviewed video footage from the XXXX ATMs ( or others ATMs ) showing who made the ATM transactions? If not, why not? If so, who shows up in the footage? It was not me or any other authorized account holder. It was a criminal. Chase Bank fraud claims representatives did not call the FBI according to the special agent working on my case. By calling the FBI, XXXX representatives could gain further assurances that I am a victim of kidnapping and theft. Why haven't XXXX representatives working on my claim called the FBI and inquired about my case there? I provided the contact information early on. The FBI case and XXXX XXXX Police Department case are still active, and I do hear from these authorities with some information on occasion. As of yesterday, XX/XX/2023, I was told by an FBI special agent working my case that there is criminal litigation in the works. How will it affect my claims to Chase Bank if there are criminal charges brought against my kidnappers? I expect that a guilty verdict for the crimes against me should reverse any decisions denying my claims. I do not want to wait for that resolution, as it's obvious that I was the victim of fraud, and that Chase Bank 's security failed me. I will continue to pursue this matter until all of the funds stolen from my Chase Bank accounts are returned to me. Thank you, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Thursday, XX/XX/2023, I entered the Chase bank branch at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I used the ATM machine right in front of the tellers ' windows inside the branch to withdraw {$500.00} in one-hundred dollar bills. I was charged by Chase {$3.00} for using the machine. Clearly, and without question, Chase was more than happy to allow me to use the machine and, furthermore, was even more happy to have me pay Chase a fee of {$3.00} to do so. However, I noticed that one of the bills disbursed by the machine was an old one-hundred dollar bill, and so I asked the teller to exchange it for a new style one-hundred. Again, I had used the cash machine right in front of the teller and also I was the only customer in the bank at the time. The teller exchanged the bill, but then I noticed yet another of the bills disbursed by the Chase machine, and for which, as referenced above, I had been charged a fee of {$3.00} to use, was also old. I asked to also exchange that one. At that point the teller refused. I asked for the branch manager and the teller, with quite an increased attitude, called her branch manager at my request. The branch manager -- XXXX XXXX -- arrived and I asked to speak to her privately. We went to her office and I informed her that the teller had quite an attitude and did not belong working in a bank, regardless of the original issue of exchanging the old bills I had received from Chase for bills that met my expectations. XXXX XXXX immediately said, " I strongly disagree, '' without even listening to the totality of my reasoning as to why I found the teller unfit for customer service work. She also said, " You came into the branch in a bad mood, '' which I found stunning, in that I had no contact with anyone in the branch until I asked to exchange the bills and, furthermore, was not in a bad mood at the time I entered. XXXX XXXX also proceeded to tell me, " You can take your issue to XXXX XXXX, '' with XXXX XXXX being the CEO of Chase. I do not have XXXX XXXX 's personal contact information and so, for among several reasons, I have proceeded with this complaint. Chase bank was more than happy to charge me a {$3.00} fee to disburse money from its machine. It also is a federally chartered bank, under the jurisdiction of, among other entities, the Comptroller of the Currency, and thus has certain responsibilities with regard to currency transactions, most especially for currency transactions that it has initiated by putting out the welcome mat by offering use of its ATM machines, also for a fee. I was not happy with the bills I received from the machine, and had a right to expect bills that addressed my concerns. I also understand after dealing with XXXX XXXX where the untoward energy and behavior in that branch flows from and originates.
Company Response:
State: CA
Zip: 91411
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied for a loan, XXXX Dollars at XXXX Percent for 30 years but the Chase Representative changed the loan without my consent. They converted that loan to two separate loans, one for XXXX and XXXX almost equally almost XXXX dollars in payment, which was unaffordable for me and that was not the agreement. I applied for loan modifications and completed those payments but I was denied and foreclosed while I was doing those payments. The loan XXXX admitted they were going to fix, I have that in writing but never did. My dad complained almost everyday to make those payments. By working he is permanently XXXX and XXXX XXXX by falling off a telephone pole working as a telephone technician. He has proof of the injury while trying to cover payments of this fraudulent mortgage transactions. There was threats of the debt collector of the Bank Representative. Theres a lot going on and there is a lot to be seen in this case. Then they told me to wait 3 months to behind in order for them to help us because she had some sort of mortgage XXXX. Thats not the loan I applied for they invented these XXXX loans. And XXXX is now the XXXX Collector and Now with an account thats not mine. In 2010 they foreclosure while doing the payments and bankruptcy protection and In 2010 I filed for notice of Recission under the 3 year window of Statues of Limitations because of XXXX, then debt XXXX came to my house and threaten us to pay them or they would kick us out without any foreclosure done. In these Emails, XXXX XXXX, offered me another job to make those payments when I already had XXXX. Now Ive received a notice of default that I did receive in the mail but a Notice Of Substitution of Trustee that never came from the Recorder Office or even general notice. It didnt come in the mail but we found it in the Assessors XXXX and Evidence of XXXX Loans they made on the same day. I also complained of the appraisal fraud because property was in bad condition. XXXX XXXX heard about my problem and called my dad telling him not to worry about this situation that he will fix it and when he would get out of XXXX the issue would be resolved. He forwarded it to the main office, they called me but they didnt solve it. XXXX recorded it and has this information. Now a XXXX called XXXX XXXX XXXX, representing XXXX is ready to foreclose on the house and trustee sell. Please help my dad because all his civil rights have been violated.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is over 7 years old, this account is also a fraudulent account, I sent letter several times no response I contacted the credit still nothing has been done. JPMCB CARD ACCOUNT XXXX XXXX
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: IN REFERENCE TO CLAIM XXXX / XXXX WITH CHASE Police report number attached this is the police report complaint number regarding a package never received from XXXX that I was rebilled for on XX/XX/XXXX. Because there is some confusion whenever I speak to Chase agents, I would like to clarify the timeline of money movement as they all keep telling me that its evened out. The dispute is over the rebill on XX/XX/XXXX on the Chase Slate card, for the amount totaling XXXX. This is a rebill charge from the first charge in the chain : XXXX. XX/XX/XXXX, The charge is for XXXX XXXX XXXX XXXX XXXX phones. XXXX. There is another charge on XX/XX/XXXX for XXXX, but that transaction is validated and clear, with no issues, but Chase support keeps confusing this transaction with the others so just clarifying this is independent and unrelated. XXXX. The refund for the charges on XX/XX/XXXX, on the Chase Slate card was issued on XX/XX/XXXX, in two separate refunds of XXXX each, totaling XXXX. At this point, the net loss from the transaction is XXXX. The refund was initially given with the police report information I had at the time, as I had filed a report right after it was marked as delivered and reviewed with my neighbors that no one had received the package, and XXXX was fine accepting the report then. XXXX. XXXX rebilled my account which Chase passed through on XX/XX/XXXX, and now my net loss is XXXX. This is the disputed transaction. As Chase normally does, when you dispute, the funds return temporarily, bringing me back to a net loss of XXXX while the case is being sorted out. Chase closed the dispute, citing that XXXX could not validate the police report submitted to them, claiming it was not real and that the XXXX said such a complaint does not exist, at which point my net loss is XXXX. I went again to the XXXX XXXX precinct to verify my incident report was logged and refiled a report and made sure it reflected in the system so that XXXX could verify the transaction, the submitted document is the incident report along with a complaint number that can be validated. I submitted my police report as evidence to Chase 's document upload center twice in the month of XXXX, and on XX/XX/XXXX and XX/XX/XXXX, Chase repeatedly said they can not find the associated transaction. On XX/XX/XXXX, they finally accepted my evidence to investigate. On XX/XX/XXXX, Chase indicated that the information was not enough to refund me, citing while I may have a legitimate complaint, that there was no billing error. Allowing a rebill to stand in a situation where evidence has been presented to show validity should be viewed as in fact a billing error on the part of Chase. The dispute process is for Chase to pass on information that indicates the charge is invalid, for any reason, in this case, that is that there is a police report filed with the XXXX that states that the package did not arrive at the address it was meant to and was not received by its intended recipient. XXXX initially gave me a refund that Chase processed. When XXXX decided to take it back, Chase processed that. Now when I am providing evidence to Chase to pass along to XXXX that shows the validity of my issue, they refuse to process a refund. Selective responsibility doesn't make sense in this situation, at least to me.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting Act, JPMCB AUTO XXXX Account Balance : {$59000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XXXX of XXXX, I made two hotel bookings for travel to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). I booked at the XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ). In both cases, I used my Chase Sapphire Preferred card and the Chase Travel Portal to book a breakfast-included rate. I paid extra for this rate through Chases Travel portal. I have had issues with this in the past. I had previously booked a breakfast-included rate through Chase Travel for a trip to XXXX, XXXX. On this trip, the hotel desk clerk and I had difficulty locating the included breakfast information. We were able to resolve it without contacting Chase. However, this time upon check-in the hotel informed me that breakfast WAS NOT included in my booking. When I asked about the trip to XXXX ( of which I am certain I booked the breakfast included rate ), the Chase Travel advisor told me that they had no record of booking a breakfast inclusive rate. The supervisor ( XXXX ) was pedantic and condescending throughout the entire conversation - at one point stopping to clarify to me that it wasnt her specifically who charged my credit card. I actually stopped and said wait, maam, are we actually doing this? Are you actually being that petty? XXXX refused to help me without proof of the rate. I have spent over $ XXXX with Chase and paid it off entirely in the last six months. I wont argue for {$200.00} - I will simply take my business elsewhere unless Chase credits me back the cost of breakfast at these two hotels ( {$140.00} at the first and {$140.00} at the second. ) Chase Travel is charging a higher rate for a breakfast included room and then gaslighting customers into believing that they must have booked a different rate. Its entirely a scam.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX XXXX there was fraudulent charges that accrued that with my chase savings account. XXXX dollars then another XXXX dollars where transferred from my savings to checking account that wasn't authorized by me. I called XXXX claim dept to report the fraudulent charges, but the claim dept. said the couldn't file claim because charges where still pending even though I explained to them that I didn't authorize any of them. So, I asked them to notate account for account purposes. After 3-4 days waiting for transaction to clear I called the claim team again to report claim. It took me two more days to speak to someone who know anything about claim after talking with several departments with no progress on claim. I was told by several rep 's that claim was filed and accounts notated for fraud. After, two days of getting no information or confirmation I was told by one claim rep that they was not trained to handle the claim, so I asked for Supervisor and again no information was able to be given about account. The next day I call claim dept. again and spoke with Supervisor which verified the claim was valid and that I would receive a letter in mail about the account progress. Three weeks later I received notice about letter on account which didn't address all transactions. I called Chase claim dept for update status and the told me that transaction were debt and online so I had to distinguish between the two accounts. Which was pretty easy for Saving account. I faxed all reports to claim as requested. Also, a new savings account was opened and online fraud happened with that account. Am currently leaving account open so they try and delete any letters associated with but no money is being deposited in account any longer. I was remove any money from new savings to pursue this claim.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A