Date Received: 2023-06-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/10 {$51000.00} from my joint account without my permission, my spouse gave such a huge money to coin scammers. I am so angry about such a big money tra nsfer should have contacted another joint account holder before transferring the money. I lost total {$78000.00} to the scammers because of my spouse. I lost all down payment money due to the scam.I am the real victim and processing divorce now.
Company Response:
State: CA
Zip: 94521
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have been a victim of Identity Theft since XXXX. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at Chase Bank, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX concerning fraudulent accounts at each. Chase Bank actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use Chase products. And Chase did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against Chase Bank. XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at Chase Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX be deleted MMEDIATELY.
Company Response:
State: GA
Zip: 30228
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: VA
Zip: 22315
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: Banking errors
Consumer Complaint: On XX/XX/2023 at about XXXX XXXX I went to make a cash and check deposit a chase bank atm, I first deposited {$760.00} cash into the atm, then the atm asked if I wanted to do anything else, I then tapped yes and proceeded to deposit two small checks which totaled about {$28.00}. After it gave me the final balance of the deposit of the check and cash combined I tapped ok. The atm said remove your card and I did, immediately after I removed the card a big red error came up on the screen and it said that I removed my card to early and that the transaction had been cancelled. Frustrated I stood waiting on the return of my deposit, first the two checks were spit back out at me, I stood waiting on the cash and the atm went back to its home screen. At this moment a car pulled up wanting to use the very atm that just ate my money, not knowing what to do I proceeded to do another transaction, I did a recent history/balance inquiry. The atm produced a receipt of the recent activity but no cash and also on the receipt it mentioned nothing of the recent deposit that the atm had just eaten. I realized I couldnt hold the atm so I immediately pullled in the front of XXXX and called the 1800 number on the card. A lady told me that the chase claims department had just closed and they wouldnt be able to do anything until morning. I was told to hang on to the receipt and call in the morning to make a claim. On XX/XX/2023 at XXXX XXXX I called and provided all information about what happened and information from receipt was also provided. Chase then credited my account the missing amount of {$760.00}. Fast forward to MXX/XX/2023 I get a letter from chase saying they will be reversing the credit because my money wasnt found. Ive called the chase claims department, Ive been to speak with the branch manager at the particular chase the atm is at and I also made a police report. On XX/XX/2023 Chase reversed the credit and now I am out {$760.00}.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Dear Sir/Madam, I am writing to express my dissatisfaction with the recent experience I had while attempting to apply for a credit card at one of your Chase branch offices. I believe that the practices employed by Chase in this regard are unfair and potentially in violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) guidelines. On XX/XX/2023, I visited one of your branch offices with the intention of applying for a credit card as a second attempt. My first attempt was on XX/XX/2023. To my surprise, I was informed that the in-office application process was not available for the Chase Sapphire Preferred credit card, and I was encouraged to apply through your online portal instead. While I understand that online applications are a convenient option for many customers, I specifically chose to visit the branch in order to take advantage of the increased point bonus that was being offered for in-office applications. Despite the assistance of a banking representative at the branch, the issue could not be rectified, and I was unable to submit my credit card application in person. This led to unnecessary frustration and inconvenience for me, as I had to make two separate visits to the branch location in an attempt to complete the application process. Not only did this situation waste my time, but it also disrupted my schedule and caused unnecessary stress. It is deeply disappointing to learn that Chase 's systems prevented me from applying for the credit card in person, thereby denying me the opportunity to benefit from the additional point bonus of XXXX reward points. This discrepancy in application methods raises concerns about fairness and equality of treatment for customers. I believe that every customer should have equal access to promotional offers, regardless of whether they choose to apply in person or online. Furthermore, I would like to bring to your attention the potential violation of UDAAP guidelines. The Consumer Financial Protection Bureau ( CFPB ) established these guidelines to protect consumers from unfair, deceptive, or abusive practices by financial institutions. By denying customers the ability to apply in person for a credit card with an increased point bonus, Chase may be engaging in a practice that could be viewed as misleading or deceptive. I kindly request that you review and address this matter promptly. I believe it is in Chase 's best interest to rectify this situation by either extending the increased point bonus to customers who were unable to apply in person or by making the in-office application option available as intended. I appreciate your attention to this matter and trust that Chase, as a reputable financial institution, will take the necessary steps to ensure fair treatment of its customers. I look forward to a prompt resolution and your timely response. Thank you for your understanding. Yours sincerely, Chase Customer
Company Response:
State: IA
Zip: 50322
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: Funds not handled or disbursed as instructed
Consumer Complaint: Between the dates of XX/XX/XXXX and XX/XX/XXXX, I was in the process of getting a loan. I reached out on the internet and started working with what I thought was a company named XXXX XXXX. Turns out it was scammers pretending to be them. They sent me a contract showing me what my payments would be and had me sign via e-signature, thru docu-sign. They even presented a copy of a check with my name on it, telling me it would be deposited into my account. Then someone called pretending to be Chase bank, asking me to verify my account information. The phone caller id said it was coming from Chase bank. I was later shown cashiers checks from Chase and told that we needed to transfer some money back and forth between my account and theirs in order so they could deposit the loan as well as any money transferred from my account. These scammers had me put money on my XXXX XXXX card and transfer from it, reassuring me that the cashiers checks would be deposited. When XXXXXXXX XXXX stopped working they said it was a technical problem with their system and that I would need to go to XXXX to finish the process. They sent me a bar code to scan and I used my debit card to send it. Chase said they will not refund any money since I participated in this. Chase also allowed the scammers to reverse almost $ XXXX in ACH payments without my authorization.
Company Response:
State: FL
Zip: 33014
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CHASE BANK open a trust account with my social security card without my consent. Manager request for number i did not require to have as a consumer my personal information was used to open a trust account and that is a violation to my right to privacy I want to be held responsible for damages of this case of personal information
Company Response:
State: GA
Zip: 30019
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 making or receiving payments
Consumer Complaint: On XX/XX/2023, an obviously tampered, stolen check of ours was put through XXXX XXXX mobile deposit from our account. They deposited to a Chase Bank account. Our check was made out to our mortgage company for XXXX and the thieves changed it to their name and XXXX. XXXX XXXX let the thieves take money out of our account. We have not received our XXXX yet. Now Chase Bank says that they need 45 days to investigate their side of the theft. We are disgusted with their lack of security in their mobile deposit app.
Company Response:
State: OH
Zip: 441XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for an Aeroplan Chase Credit card in XX/XX/2023. The card came with a sign-up bonus of XXXX points after I met the spend criteria of {$4000.00} on purchases in the first three months from account opening. I was able to meet the criteria by XX/XX/2023 and was eligible for the sign-up bonus. Chase issued the bonus and transferred the points to my Aeroplan account with XXXX XXXX. However unbeknownst to me, Aeroplan had a block on my account which prevented the points from being reflected on my account. After much back and forth with the compliance department at Aeroplan, the block was lifted in XX/XX/2023 and there were points that were successfully transferred from Chase to Aeroplan in XXXX. However all the preexisting points ( including the XXXX bonus points ) have never been credited to me. I have contacted Chase and Aeroplan several times on this matter and the issue remains unresolved. Aeroplan representatives have told me that Chase needs to " regenerate '' those point transfer requests from prior to XX/XX/2023 but Chase has not been able or willing to do that. I have sent them multiple messages ( please see attached documents ) on this matter. In addition, I have spent cumulatively over 5 hours on the phone trying to rectify this situation and have not gotten anywhere. I would like to request the CFPB to advocate on my behalf. Regards, XXXX
Company Response:
State: MO
Zip: 63141
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: Fee problem
Consumer Complaint: I have two concerns : A ) I opened a business line of credit in XXXX of 2023. The person who opened the line of credit deposited the entire amount into my business account. I realized the error after I saw I was being charged an interest fee of {$120.00} and the checks I was issuing to my vendors were not going through. I immediately refunded the {$15000.00} and requested that the fee be removed from my account as this deposit was not something I was requesting. I have spoken to at least XXXX different people over the phone and in a branch near me and am being passed around like a hot potato. No one is willing to take ownership or accountability to help me get the charge removed. I filed two complaints and no one from Chase has reached out to discuss my concerns. The last person I spoke with was XXXX XXXX, Relationship Manager and she said she would get back to me but it has been about a week and I have hear nothing. I need the {$120.00} charge removed from my account because it is unwarranted. B ) I also have a concern about the lack of detailed information on my statements both online and paper, regarding where charges stem from. The vendors are not listed. I have to be able to know what my charges are for in order to pay them.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A