Date Received: 2023-06-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: J.P. Morgan Chase Bank has improperly used and accessed my XXXX XXXX XXXX reports- They took less than 3 days to send denial letters in the mail & hit my account with over 7 inquiries within a 10 day period They deny that they have discriminated against me as an applicant & " uphold their actions '' and completely inappropriate behavior of abusing my credit reports given they had pulled my files in XXXX & told me to reapply from XX/XX/XXXX to XX/XX/XXXX I was disrespected over the phone initially about this issue by a " XXXX '' & again by a XXXX XXXX XXXX within these 5 days I have been declined for any type of card for absolutely no reason other than having a good credit score, decent amount of revolving tradelines & I believe based on the color of my skin. Audio recordings for quality training purposes were obtained & I was spoken down to, as if I had XXXX XXXX XXXX Peasant Insurance XX/XX/XXXX I was told to reapply again by the executive relations office after unlocking my XXXX report which was what I was told was requested by JPMCB- I had my XXXX pulled that day & as well as on XX/XX/XXXX - JPMCB denies wrongdoing I have spoken to " XXXX '' who appeared to be concerned about my case in particular however after lodging a complaint on XX/XX/XXXX & following up continually it is known that JPMCB is not taking this type of corporate culture related abuse seriously
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had an additional credit card I did not apply for linked to my Chase Account when I logged in this morning to check my credit card I do have with them and make sure I made the payment. I then checked my email confused on why I had a card under my account that I did not ever apply for and found that I received an email this same day stating my application for a Chase Freedom Credit Card was approved and the card would arrive in 2-5 business days. Twenty minutes later I received an email stating my paperless billing was enabled by my request for this card. I did not do these things- apply for the card or enable any type paperless billing for a card I did not apply for. I called Chase bank and they confirmed the card was applied for and approved. While verifying my personal information they disclosed that the address the physical card was being sent to was not the address that I provided to them for myself -- which I gave them my permanent address. They confirmed that this application was fraudulent and that it was applied for in the last 1-3 days and that the application was approved this morning. I caught it just in time! The card has been cancelled and I have reported the fraudulent activity to the credit bureaus as well per Chase Security Teams request.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Chase Bank scammed me out of my atm deposit!! I deposited {$230.00} but the atm took XXXX & gave me back {$110.00} and told me to call XXXX ( XXXX ) XXXX to see if my deposits goes through which it didnt do I gave them a call & they goes to tell me I will get my money in 10 business days which is absurd! I was depositing money in my account to pay a bill that was charged to my card but since chase took half my money with no problem my account isnt sitting negative $ XXXX dollars!!! They are simply going charge me a {$35.00} or more overdraft fee on purpose because this is the malicious practices that they do & This isnt the first time this has happened! They didnt care that I had an bill to pay & that it would be been paid if their atm didnt eat my money!! Im sick of chase & their malicious practices they need to be stopped! Last time this happend I had my money back within 2 hours & thats what I was told yesterday once I spoke to someone but I wake up today and my account still negative?? They guy tells me today I have to wait 10 days! So what is it 2hrs or 10 days??? They dont even know! This is sick!
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a victim of identity theft fraud in the past that has never really been resolved causing me to loose all my bank deposits, funds to be stolen after they were deposited. At first whenever it happens no one seemed to know how because whoever is doing this is claiming insufficient funds before the funds become available so that when the funds are actually available after deposit, they can be stolen by withdrawal by debit so that anyone who tries to investigate would believe that the funds were never deposited and returned being returned by the banks where my funds were deposited. I am being told by some back office I constantly get routed to that I never had funds deposited into my account, that my checks deposited were returned for non sufficient funds and that my account is closed and that they have ended the bank relationship with me and that they would not be using my social security number any more to open up a account and that they don't have to tell me anything about my account or my funds, to contact my other bank where they have returned the funds to, After my funds got withdrawn on a transaction by way of debit. I also have proof of the original transaction that were approved originally, and the hold was placed so that no-one would try to take the funds in advance from any of my available balances on XXXX XXXX XXXX However on XXXX XXXX even after my deposit was processed and approved, I was given a date of my funds availability for XXXX XXXX XXXX, and there was a hold so that no-one can try to take the money in advance from my available balance, somehow someone did it anyway to make it appear that the transaction had declined they had not and did not. on XXXX XXXX after speaking to a bank representative explaining my concerns, He verified my information and said that it appeared that my bank account and debit card was being compromised, my debit card was already activated before I had received it, the representative said that the debit cards never have a pin already, that I would have to activate it and create one. He said that at time at the branch if your getting a credit card which I do not have although I was approved I did not take it because I do not want debt I prefer to pay in full, the representative said that only a credit card can be activated before I receive the card, but that is not the same for a debit card. He said that he could close that account and reopen me a new one and send out a new debit card and that my account would be protected. I told him at that time I was receiving a deposit and the funds were scheduled to be available in my account on XXXX the first and I wasn't sure what would happen to my deposit and that I needed it, I had already had enough deposits lost from being stolen and that I wanted to be sure that I received my deposits. That is when the bank customer service rep said that I he understood my concerns and said that I should place a block on the funds deposits, because it seemed that my account and debit card may be compromised that if I place the block, it would prevent anyone trying to steal the funds when they were deposited from being able to take it right away, which would give time for me to actually see when the deposits come in, because without the block, sometimes the funds are stolen so quickly and covered up to make it look like there were never any deposits that usually people do not have proof. So he placed the block and told me to watch my account. He also verified the deposits and the funds availability date and the bogus account closing letter I received on XXXX XXXX that my account was not closed and would not be closed and was a computer generated letter, because someone had attempted to try to take the money from my available balance even though they had instructions not to try to take any money in advance from any of my other accounts until the deposited funds were available scheduled for XXXX XXXX and a hold was placed on XXXX XXXX so that they do that. Even though instructions were in place, someone still tried and generated a declined transaction letter although the funds deposits were approved and good. that was a violation in itself to ignore the hold. After 5 days of monitoring my account and speaking to different customer service reps about my accounts, on XXXX XXXX in the middle of the night I received the deposits into my account which went from present to avail. I could not move them because I had the block on them and had to call when the customer service opened because it is not 24/7. By XXXX XXXX when I woke,I saw that my deposits were gone and my available balance of XXXX was gone and at XXXX I began notice as I was on my account, other information was actually disappearing, whoever withdrew my deposits, was erasing the deposits with new information to make it appear that the deposits never came and that the funds were returned to my other bank account and they posted my deposits as NSF although my funds are very sufficient as they were approved and eventually deposited, even after the date that someone said the funds were returned for NSF. Which I knew was not true. I called my other bank that the bank where my deposits were actually deposited and stolen by withdrawal by debit, said they returned my funds to although they said no deposits were made and I was told no deposits were ever received because there was NSF, to verify this and was told no, That no deposits were returned, that no funds deposits was ever returned to my account, which I know is not true because they were never NSF and were actually deposited is what the representative wanted to make me believe and that my account was closed even though I explained what was happening to me and had been happening for years from other experiences I have had in the past loosing all my deposits, over paying, being scammed, my deposits were being stolen and redirected away from me leaving me to go without and have my property assets stolen etc. yet every time I make a complaint to the business or agency, they have false records they submit to have the case closed and no-one investigating ever really looks into how this is happening and they also never really read or follow the law that would empower them to fully protect my identity, my accounts and all assets I would otherwise hold and have on my own. They rather create a false narrative I dont have so they can take and keep my benefits to their benefit which would otherwise not be happening. This is the most recent yet now obvious experience as evidence that this is happening to me causing me loss and damage that I can not funky describe in this email yet if you put all my other reports together and actually verify my complaints which can be verified. maybe not verified by those in organized positions who may be behind this and responding as nothing is wrong and presenting falsified documentation looking real to have the case closed is not fair at all. my deposits have been stolen now and redirected somewhere else for over 20 years now, even up to this day, forcing me and my children to have to sleep outside if we can not secure a hotel room all while I on my own try to avoid this for us because we otherwise would not be forced to or have to experience this damage and traumatic experience at all. I would actually receive my available balances after deposit and they become available. I am not sure why someone is withdrawing my deposits by way of debit, and trying to pass it off as a decline and return for NSF, and mess up my account in good standing but they are doing it after gaining my deposits. And not trying to protect my account and return my available funds back to me as the policy says my account is protected from fraud and identity theft. I do not understand how so far anybody who has received the deposits are able to do this. I already have a police report on file about the identity theft and a ftc report and identity theft affidavit, yet it seems like nobody is taking this as important for my safety and protection. but instead seem to be allowing whoever withdrew my available deposits for my use, to keep them for themselves, making any organizations that they meet obligations of look bad. Yet it is whoever withdrew them and trying to make it look like the deposits never came causing me to be effected in a negative way is really bad.
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase VISA - Dispute Reference : XXXX Chase has denied my claim for a fraudulent charge from luggage shipping merchant, XXXX, even after providing them photographic evidence that the bag I shipped was not oversized. VISA just told me " they don't review photographic evidence '' and " because the merchant provided an invoice the charge is valid. '' Please see history below and note I provided photos with measuring tape of my bag. I paid XXXX {$170.00} on XX/XX/2023 for the XXXX XXXX shipping of two pieces of luggage from my home and back. A duffel bag and ski bag. This charge was determined by the weight/size of my luggage. On XX/XX/2023 XXXX charged me an ADDITIONAL ( which I did not approve ) amount of {$180.00} ( claiming it was oversized for the trip out ) On XX/XX/2023 XXXX charge me an ADDITIONAL ( which I did not approve ) amount of {$200.00} ( claiming it was oversized for the trip back ) For both of these additional charges, XXXX claimed the ski bag I shipped was larger than it was XXXX requested I send in evidence of the size of the bag- I sent them that evidence in photographs XXXX claimed that my bag measured 77.0 x 20.0 x 10.0 in ; But as you can see in the measurements, my bag actually measured 66x12x7 XXXX uses a formula of XXXX / XXXX to determine a number... if that number is less than 65 - then my bag 's original charge was the correct charge As you can see below, with that formula, I come in under 65. Even IF one were to include a couple more inches in the measured dimensions, I would still come under the limit. XXXX claims that XXXX " laser scanned '' my bags during shipping. Well I don't know what that means, and perhaps their system isn't effective for odd sized items ( e.g., it's not a square cardboard box ) ... .but I know that a tape measure doesn't lie, and I don't lie, so this is a FAKE CHARGE and should be refunded If XXXX can not rely on XXXX for correct scanning of odd sized objects, they should not provide this service
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In XX/XX/2023, I tried to reopen my account with Chase bank which had been closed, for no reason and for having my documents expired, when I opened the accounts again, the banker who attended me made the calls to the department in charge to verify that I did not have any type of problem, which the agent authorized the reopening of my account, after more than 1 hour of waiting and scheduling Open the account. The banker in charge called the department in charge again and it was notified that an opening of my account could not be made, leaving everything that the banker and the sales executive did could not be done, understanding that there is clearly an attack on my person since my rights as a citizen of being able to open an account where I have never had any problem with that institution are not fulfilled and I
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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 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. '' JPMCB 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. '' JPMCB the financial institution and the Consumer reporting agencies XXXX and 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, JPMCB 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. JPMCB 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 and 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: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Date of Transaction XX/XX/2023 XXXX approx. XXXX eastern time Location XXXX XXXX XXXX, XXXX, NY XXXX Terminal ID XXXX Claim # XXXX I made a {$400.00} withdrawal, only {$300.00} was dispensed. Multiple Calls have been made with Chase Dispute Team Phone # XXXX XXXX XXXX. 1st call being XX/XX/2023 was told no claims can be made on the weekend 2nd follow up XX/XX/2023 ID XXXX was told the claim has been put in, representative stated they are unable to provide email confirmation 3rd follow up XX/XX/2023 ID XXXX Specialist let me know a credit of {$100.00} would be posted to the account within 10 days and provided the claim number also stated they are unable to provide email confirmation 4th follow up XX/XX/2023 ID XXXX Specialist claims there was a system error and did not provide information why the claim was closed. Let me know she would reopen the claim with them team. Specialists could not identify what steps the team would take to resolve the issue. Specialist was unable to send a confirmation email that the claim has been reopened XXXX. Although she did confirm I would be receiving a Credit within 2 hours and email confirmation by XXXX business hours approx. XXXX. More Info : The Dispute letter dated XX/XX/2023 No Action will be Taken The inquiry is now resolved ( see attached below ) I have asked for a full ATM Count Cash Dispensed Count ATM Video footage of dispensed cash Video of ATM Area
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We opened a new business Checking account with Chase bank in XX/XX/XXXX. On XX/XX/XXXX we deposited a check for {$22000.00}. This check cleared and the cash was available for 2 weeks, however we did not have the need to withdraw or use the cash. We had other deposits on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX there were 2 transactions that removed all the cash from the account. 1 for the {$22000.00} check, and another for all other funds in the account equaling {$9400.00}. We were not called or notified that this happened. The account was frozen and no cash was available. I noticed the balance error on XX/XX/XXXX and called the bank. XX/XX/XXXX call, they told me that the check was made out to 'XXXX XXXX ' instead of 'XXXX XXXX XXXX ' and they needed to verify with the check issuer that this was still the correct person/business to pay. I was on the phone for ~30 minutes, the person came back and said that they verified the check, and everything was good. The money would be back in the account in 2 days. Issue : Why did the bank not only freeze the XXXX XXXX but also all other funds? Issue : Why were we not notified? Issue : Why could the funds not be replaced immediately? Issue : Why was this not notified at the time of deposit? On XX/XX/XXXX : The {$9400.00} was added back to the account as the service rep. stated, however the {$22000.00} was not back on the account. On XX/XX/XXXX : I called account services and was transferred to 4 different departments. Finally one person said that the check was still waiting to clear and that the money would be in the account in 3 days. Issue : The check had already cleared 3 weeks ago. There was no issue with the check and Chase Bank had out cash in their possession. On XX/XX/XXXX : The {$22000.00} was still not in the account. I called and again was transferred to 4 different departments and on the phone for 20-30 minutes. Finally a customer service rep. acknowledged that the {$22000.00} was supposed to be back in the account along with the {$9400.00} back on XX/XX/XXXX and that they would need to submit a special request for the funds to be issued to the account. The customer service XXXXep. also suggested this would take 4-5 business days. On XXXX : The {$22000.00} is still not in the account. I called and told the representative a very detailed description of what had happened. She transferred me to the escalations department ( a supervisor ) so that someone could expedite to get the cash back into the account. That 'supervisor ' immediately transferred me to another department, and then that department transferred me to a dead end : 20 minutes on hold and I had to hang up. It is now XXXX ( 4 weeks later ) and we still do not have our {$22000.00} that has essentially been stolen by Chase Bank. We were also charged a {$15.00} account fee on the account because we had a couple days of XXXX balance, however the XXXX balance was due to the incompetence and mistakes made by Chase Bank. This has now effected our businesses ability to operate and have had to take out short term financing to continue our business.
Company Response:
State: TX
Zip: 76109
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have opened up a Chase Total Checking account about 2 months ago and had set it up with direct deposit to take 15 % of my paycheck. Ive only used the account to manage my bills and to move money between my accounts with XXXX. Specifically this account was used to pay my car insurance. The initial amount of insurance was around {$310.00} debited out between the XXXX and XXXX. XX/XX/XXXX the car insurance attempted to debit around {$450.00}, and I didnt have enough funds to cover. The following week I deposited a {$1000.00} XXXX check to pay my car note. Then {$200.00} in cash on XXXX XXXX. I was locked out of my online banking yesterday, XX/XX/XXXX, and I contacted customer service only to find out chase had closed my account. The representative stated she couldnt advise of why it was closed and Ive never had this happen with banking with any bank. I am appalled that something like this could happen especially when there was activity on my account and have never done anything fraudulent/suspicious.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A