Date Received: 2023-06-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Urgent
Extension to the previously filed complaint # XXXX submitted XX/XX/XXXX
On XX/XX/XXXX, at XXXX XXXX an aggressive man, hired by JPMorgan Chase Bank banged on my door and demanded I open it. I was in fear and did not open the door to him. The following morning, posted on my front door for anyone to see was a lawsuit labeled from JPMorgan Chase Bank NA v XXXX XXXX ( me ). After my previously filed, and closed CFPB complaint, and regardless of my conversations with my creditor, my letters sent certified, and their receipt of {$12.00} XXXX in American Rescue Act Funds, meant to help people struggling with debts during a global pandemic, they sued me and successfully won the award of {$30000.00} on XX/XX/XXXX. The case was presided over by XXXX XXXX XXXX. XXXX Though I am unemployed and have no retirement fund, savings, or other assets, I am selling my home to pay the debt I owe them. Presently, I am in escrow which is supposed to close on XX/XX/XXXX. The hold-up is with JPMorgan Chase as the escrow officer is dealing with the matter has stated. Her address is : XXXX ( XXXX XXXX XXXX )
Though my future is bleak, and I have nothing but this condo, I am selling it so I can pay JPMorgan Chase Bank. I wish to pay them directly and not some third-party attorney. I wish to pay them the award amount of {$30000.00} without post-award interest per the proceedings. I wish to pay them on or before XX/XX/XXXX but I can not do that based on how they've set things up. XXXX I ask the Consumer Finance Protection Bureau to connect me with the legal ( or appropriate ) department at JPMorgan Chase so that I may sell my condo and pay them their award. I need to do this quickly because we are scheduled to close in a matter of days. I don't agree that I owe any more that the award with was thousands more than I ever borrowed. Know that they only escalated my debts during the pandemic, and then sued me for more though they accepted government funds that was meant for the people. I would appreciate a contact person, with email address and phone number who can quickly address this matter, and accept my payment of {$30000.00} per their award WITHOUT POST JUDGEMENT INTEREST. XXXX> Every cent matters to me. My situation has only worsened since they were awarded this judgment and I need help clearing the debt. Further, you should know JPMorgan Chase was not required to provide the agreement between us during the proceedings, all calls and correspondence were not provided during the hearing, and they weren't required to mail me any warning letters because I had signed up for electronic statements. This should change for all consumers protection. Thank you for your swift assistance. XXXX XXXX XXXX XXXX
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I was contacted by Chase to let me know that my debit card # had been stolen. Someone in XXXX TX tried to use my card # at XXXX XXXX and Chase blocked the transaction, however, they were able to withdraw {$120.00} from our Checking Account and over {$1100.00} from our Savings Account, which was taken out in XXXX separate {$100.00} transactions listed from NY. Chase canceled my old debit card and issued me a new one. Chase had me speak with the claims department to file a claim for the money that was stolen from us. Chase issued XXXX separate claims, XXXX for our Checking Account and XXXX for our Savings Account. I was told they would look into this and let me know the result. On XX/XX/XXXX I received an email from Chase letting me know that they deemed these transactions as authorized by me and will not refund my money. This is ludicrous. It was the same day my debit card # was stolen. I found out whomever stole my number used XXXX XXXX to take the money from our Savings Account. Neither I, nor my husband own an XXXX. Chase asked me to prove we do not own XXXX by faxing them our phone bill, which I did. As of today, they are still denying both of our claims, saying that we authorized these transactions. I am insulted they would think we did this when Chase themselves notified me of my debit card number being stolen. I want action taken against them so I can get my money back.
Company Response:
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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: On XX/XX/2023 I bought items from XXXX XXXX XXXX XXXX website for {$530.00} and. I did not receive them so I reached out to coach and told them that I did not receive these items and they told me that since they're out of stock and can not be reshipped that they would have to give me a merchandise card as their policy states that an item that's delivered but it's not received has to be issued merchandise card or store credit as they call it I then told them that it's not fair because I paid with actual cash that what good would the merchandise card be for me so I asked them is there any other way that I can go amongst to get my actual money back and they told me I can go ahead and dispute the charges. I then told them when I dispute them will there be anything that follows basically and they told me that no that when a dispute is filed with your bank coaches and usually take part in it as it's just me in my bank they said but that was not the case. I disputed both charges on the XXXX of XX/XX/2023 with claim numbers XXXX and XXXX. Then on the XXXX of XXXX I got a letter from my bank Chase stating that my claim was denied so I called Chase and asked him why was it denied and they told me that the Merchant sent over documents stating that it was delivered and that I had disputed it while it was still in transit which I did not do so because when I learned that I did not receive my order on the XXXX of XXXX I contacted coach that night and disputed it after the contact which was around XXXX in the night. I called Chase again and asked if they could reassert the claim and they did but the same outcome came again they denied my claim saying that it went as authorized siding with the merchant. After that on the XXXX of XXXX I called back Chase and spoke with a supervisor in the claims department because this has already been going on for a long time so I wanted to know exactly so then she told me that the company had credited me back I went ahead and told her that that is wrong because they never credited me anything and then she told me the charges when was for {$750.00} and when was {$120.00} but they were for totally different transactions not correlating with the claim. She didn't agree with me that it was a wrongfully reviewed and that it would have to be in my favor so she pushed it again because it was clearly the XXXX 's fault but again on the XXXX of XXXX it was denied. I'm getting very tired of this the merchant doesn't want to help me and then my bank Chase sides with the merchant leaving me with no refund and no items that I ordered. I feel abused by these companies. There were two more claims filed with claim numbers XXXX and XXXX with XXXX. The transaction date was on XX/XX/2023. I told them that I received the order but there is nothing in the boxes. They done told me that they could give me a refund but I would have to submit a police report with my local police department which is the XXXX. I however filed the police report after being told by the police officers that for something like that I could not file a police report as it is the company 's fault. When I submitted the claim to XXXX, they told me they needed more information on from the police report. I have no way of retrieving more information from the police. I gave XXXX what the police gave me and that's all I have so after back and forth I still wasn't getting my refund even though trying to reason with XXXX they said that they would need a valid police report even though what I was sending them was a valid police report they kept on denying me so that is when I was forced to claim them with XXXX pending investigation and disputing it
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: My wife XXXX XXXX XXXX XXXX and I are co-owners of a medical clinic by the name of XXXX XXXX XXXX. We have a business Checking Account with Chase. We use XXXX occasionally to pay for variety of services. On XX/XX/XXXX, my wife received a text message from Chase Bank that XXXX XXXX XXXX was added as a recipient to XXXX. She contacted me and asked me if I had added this recipient. When we both realized that neither of us had added this recipient that this was likely a fraudulent addition, we contacted Chase within a few hours of their text. On XX/XX/23, XXXX payment of {$1200.00}, {$1700.00}, and {$1800.00} was made to this individual from our checking account. We did not add this person. We did not get a prompt from Chase Bank, verifying whether this was a proper addition to our XXXX client list. On our other bank, the first time, when an individual is added as a XXXX client, we get a notification and we approve, that indeed this person was added by us as a XXXX recipient. By the time we reached out to Chase Bank, the person had made XXXX withdrawls and we saw on our checking account that a third transaction was pending. We called Chase and explained to them that we did not add XXXX XXXX XXXX as a client to recieve XXXX payments and we did not authorize any payments to this person. The fraud team helped us file a claim and mentioned that they would investigate the matter and get back to us. We received a letter back from Chase Bank on XXXX indicating that they had done their investigation and that " we had authorized '' this transaction and as such there is nothing they can do about this. We called the fraud team back on XXXX and mentioned that we did not authorize this transaction and we would like Chase to refund the money that was sent from our checking account without our authorization. The person mentioned that this was not possible. We asked to speak to their supervisor but she apologized but would not refund the money that was removed from our account. I am attaching the letter that Chase Bank sent us which contains their response and also the details of the transaction to this complaint.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The FDCPA forbids the harsh, dishonest, and unjust techniques that this debt collector used. They provided this account, which I did not sign and on which we did not agree. I did not take part in any of the signings that two parties make in a legal contract. Furthermore, they didn't follow the right 5-step validation process, which makes their actions unjust. I am entitled to {$1000.00} under the FDCPA for each breach, and it is obvious that my rights were infringed.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: JP Morgan Chase ( Chase ) bank has a service called Credit Journey which summarizes members ' credit scores from XXXX. NOTE : my XXXX data is correct ; it is Chase that is incorrect. My XXXX XXXX summary is screwed up, showing the wrong person 's personal credit data, including credit card, and auto loan balances, employment, and address history. And, yes, I can identify that person due to his employment and address history. Some of my Tax Data is screwed up as well, with this other person 's Social Security number on my 1099-INT forms, so while I have received tax forms in the mail, I can not access these forms on the Chase website. This error on my Chase Private Client Form 1099-INT for my checking and savings account goes back to the form issued for the tax year XXXX. Does this mean the other person has had additional interest income reported by Chase to the IRS for XXXX, XXXX, XXXX, and now XXXX? I have had multiple discussions with my Chase Private Client Banker, who has escalated this twice. Both times the escalation teams have expressed great concern over the error, but they can not change my social security number in the system ; only my banker, upon my providing a photo ID and Social Security Card, in person and fix this. I have appeared in front of him twice, providing the necessary documentation. It was readily apparent the escalation team 's level of concern went up when I related that I had already met my banker, provided my ID and Social Security card and the condition was not fixed.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today 's date is XX/XX/2023. Over the past week I have attempted several times to log in to my Chase credit card account to monitor activity and download statements to my personal accounting software. I have been presented with the requirement of agreeing to two different agreements in order to access my information. The first is the Online and XXXX XXXX XXXX and Consent Agreement. This establishes whether I'm willing to receive electronic communications as opposed to paper communication. I'm not especially happy with it but I would agree to it. The second agreement is the Digital Services Agreement, which is 128 pages of legal jargon that is apparently intended to obfuscate any issue while you sign away your rights to any paper documentation about any of your accounts. It also states that in order to use their services you must have a computer or other device capable of receiving electronic communications, a connection to the internet, and software capable of communicating with their system. They state clearly that regardless of which preferences you have indicated they may just decide to send any communications to you electronically. Apparently we no longer have a choice. It also says if you choose not to agree to the stated terms you will not be able to access your information on their digital platform. I have called customer service for Chase and been told that I must agree. When I demurred I was routed to the next level of customer service. I was then routed to the next level of customer service where the call was disconnected. I tried calling back and was told that they could not understand what I was saying. Unfortunately I do not have the resources to terminate my relation with Chase or I would do so immediately. It is apparent that Chase does not expect anyone to actually read this agreement. They expect people to automatically agree to get access to their information. I do not agree. I will not agree. But there must be a way for me to get the information I need. Chase is not forthcoming with instructions to help me.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I took advantage of a credit card advertisement for the Chase Freedom Unlimited card because I am doing some property improvements, and they advertised great points and no interest for 15 months. I applied and opened an account in XX/XX/2023. A few weeks later, I received a strange letter in the mail ( nothing was posted online ) about verifying my SSN. I thought it might be a scam. I called in late XXXX and spoke to a customer service person ( first to ask to reverse late charges b/c I missed my first automatic payment by a few days ) and asked her about the state of my account. She assured me that there was not any information missing, and that my account was in good standing. She actually stated that the letter I receive must have been a scam. I then actually accidentally paid off the entire amount of my account in early XXXX ( I meant to just pay the minimum ), and shortly after that, I received a message that my account was closed. I called customer service again and was informed that my account was apparently closed because Chase needed some information that I did not send. I asked if I could re-open it because I wanted to use the card and did not want my credit dinged again b/c they should not have closed my account. I also explained what the previous customer service agent told me. I asked to speak to a supervisor who then told me that she was re-sending the form and could re-open the account if I faxed it back. I have never received the form she supposedly was sending at the end of last month. I contacted customer service again today and was told that my account was closed and I could re-submit an application, but that they would check my credit again. This is not acceptable. I would like to have this credit card, and I should not have to have another ding on my credit to re-open the account. This company is engaging in unfair and unethical business practices.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: While depositing our business cash deposit at the XXXX XXXX WA location ATM the power went out. We spoke with customer service and they said they would balance the totals and report what the actual deposit was and credit us the exact amount. they then said in the meantime they would like an estimate so they could credit our account temporarily. I specifically requested to not get the credit as it would be more headaches to account for this. Ultimately I spit out an arbitrary total with the disclaimer that its likely incorrect. They credited us that amount of {$4000.00}. I reached back out a few months later only to be told that number is the number I get, so I let them know it was CLOSER to {$8000.00} after a brief review and would report the true expected deposit to my business banker. This total included some change as I provided the complete expected total {$8800.00} as opposed to the to actual which we would have retained the coins. They then said our request to adjust is denied due to the inclusion of cents. Their customer service has been rude, condescending, and unable to follow simple instructions along with the fact that they are sitting on thousands of unearned dollars and will not provide a resolution even after following their direct instructions.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX XXXX CFPB The Office of the Comptroller of the Currency has directed me to send this complaint to the CFPB. The original complaint was sent to the OCC around XX/XX/XXXX by the Delaware Office of the State Banking Commission. The complaints are regarding the JPMorgan Chase credit card service division CCSD ), whereby, numerous letters were to me commencing around XXXX of XXXX, initially 13 and a total of approximately 50 ( one such example is attached ) In those letters, they state, They are unable to fulfill the request, o without providing any detail as to the issue involved AND They closed the undisclosed issue. Any inquiry made to Chase iswas sent by way of their online messaging system ( XXXX ) so it would appear that there is a lack of communication between both units In addition, when, or if, Chase replies and it should be noted that numerous letters are sent to their executive offices, no one appears focused properly on an issue, and replies, if any, by making, erroneous statements commingling unrelated matters Improper references and/or dates thereby confusing everything with everyone, and probably themselves I also need to point out that within the last week or so, Chase has resumed sending those types of letters ( 3 to Date ) on inquireies again involving theri online messaging system ( XXXX, with the same comments. I have asked the OCC to send all their documentation in their possession to the CFPB. Please review this and provide a control # I await a response. Thank you Cc : OCC Additional documentation is available, it is voluminous
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A