Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im sending this complaint to chase bank and I am demanding that chase bank settle these four accounts that were open fraudulently in my name, I do have an attorney hired to help me with this, but Im referring that myself handle this because I am a victim of identity theft I was made aware of three checking accounts and one credit card that was open in XXXX and closed in XXXX, and these other accounts open around XXXX, I did not live at the address thats on these account, so Im asking chase bank to settle these accounts and resolve this situation before I turn it over to this attorney name XXXX XXXX, I can and I will excercise my right to arbitration if necessary, im asking XXXX pure account that was open which comes to XXXX and taxes on that XXXX is XXXX x22 percent, I have tried over the phone but instead got treated very badly and disrespected, im demanding that these accounts be resolved before I move this matter to the attorney which is helping me with my identity theft, your rep at the XXXX XXXX XXXX poor customer service would not help and did not get anyone on the phone to help me, I have filed a ftc identity theft report about this, now resolve this matter I do not want an account with chase bank period, but yall have accounts that are open fraudulently in my name, you can call me to resolve or email me, I am a victim of identity and I do have documentation to show that I am my identity was used to open these accounts now settle this matter.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter/notification in the mail on XX/XX/XXXX from Chase Banking stating that they had received a check previously deposited into an account with my name on it and was returned due to the checks being altered/fictitious. They included a copy of the check in the letter. I personally do not have a Chase Banking account and immediately realized it was fraudulent and someone opened an account in my name without my permission. The amount on the check was for XXXX. I immediately went to the nearest Chase banking office and reported the fraud account. They put a hold on the account and reported the fraud to the department. Upon closer look, no money was taken out of my banking account and there were no additional withdraws or opened credit cards in my name. I then followed up and completed a police report in my area for the identify theft problem.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a phone call from what they said was Chase Bank which is my bank. The individual noted that there were fraudulent charges on my account as follows : {$5000.00} of XXXX XXXX attempts in XXXX Georgia {$2000.00} of XXXX purchases in XXXX Georgia {$43.00} charge at XXXX in XXXX I do not live in XXXX nor have I travelled to XXXX. The individual read off other legitimate charges to me. They indicated that they would call me again on Friday, XX/XX/XXXX, at XXXX XXXX. They also sent me emails from JP Morgan Chase indicating fraudulent charges. On XX/XX/XXXX, I received a phone call from an individual who noted that he was noting a {$41000.00} transfer out of our account to a person named XXXX XXXX. He is asked if I authorized this to which I said no. He was sending codes to me and my husband as if he was from Chase ( his phone number was XXXX. He noted that there was a special FBI and Police investigation- it was an active investigation and that I could not speak to anyone to not compromise the investigation. He subsequently directed me to the bank to wire money to catch the criminal noting repeatedly that this was the way to catch the criminal. I wired a total of {$40000.00} from my checking account at Chase while he told me to not say anything to the teller as this was part of the process in the investigation. I subsequently wired money to XXXX XXXX at XXXX XXXX and am now trying to recall the wire as Chase has noted that this is not a practice they would do nor would they engage in this type of a criminal investigation. The amount of the wire was XXXX {$40000.00}. On XX/XX/XXXX I filed a IC3 Complaint Referral Form with the FBI. The FBI called me 2 days later noting that they had received the information and would put a message out to the banks. I subsequently called XXXX XXXX and have spoken to an individual in the Wireless Fraud Department who has told me that most of the funds that were wired to the account are still there. We have also been in contact with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has requested us to pursue a Hold Harmless from Chase Bank. We have been in pursuit of Chase Bank ( in person and over the phone countless times ) to determine who can help us from within Chase to obtain a Hold Harmless. We need our funds back and Chase is the bottleneck at this point. I have tried to figure out who the District Manager is at Chase Bank in XXXX XXXX as the Branch Manager is unable to assist much further. Chase Bank has also noted - via their Secure Messaging Portal - that they can not get in touch with Regions Bank. I have already supplied them with information on who to contact.
Company Response:
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Chase personal, business, and savings accounts were hacked on XX/XX/2023. The hacker moved {$1300.00} back and forth between those accounts in order to XXXX the payment from my business account. I received an alert on my phone that morning from the bank and called them to report the fraud. Chase fraud closed my accounts for 48 hrs and then reopened them with new usernames and passwords. I also received a email about adding or editing the XXXX person and reported that I did not know this person. They originally told me they could see I did not make the transactions from my devices and then 2 weeks later said I did with no proof. They have still not done anything to credibly my account.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 my mobile phone was stolen. The thief was able to access my bank and credit accounts at JP Morgan Chase Bank and made fraudulent transactions. The credit card issues have already been resolved. However, the fraudulent transactions the thief made involving my bank accounts at JP Morgan Chase Bank have yet to be resolved. Using the stolen telephone, the thief or thieves were able to access my savings account and checking account. They transferred my money in saving to checking and then made a {$2000.00} XXXX transaction, made a {$3800.00} purchase at an XXXX XXXX and bougth XXXX currency through XXXX in the amount of {$2200.00}. I filed a police report with XXXX XXXX XXXX Police Department and filed a claim with the banking institution advising them that these transactions were not authorized and were fraud. The bank has failed to reimburse me for the transactions and instead has essentially accused me of making a fraudulent claim and filing a false police report.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Around the beginning of XXXX, I realized someone had made close to {$2300.00} worth of unauthorized purchases with my debit card. I contacted Chase to file a dispute. They issued a temporary credit. A couple weeks later, I received notice that they would be debiting the credit as the charges were authorized. I contacted their customer service and they told me the charges had come from my IP address and asked if anyone else lived in my home. I replied that my husband and XXXX kids did. He asked if I thought it could be one of my kids and to call back if I found out that it was one of them. Never in a million years did I think it was possible but after speaking to one of my boys, I discovered he made the charges. I called Chase back to reopen the dispute and a different rep told me there was nothing they could do. That since it was one of my kids then I still benefitted from the purchases. I most certainly didn't authorize or benefit from any of the transactions.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: my husband and I were in XXXX, XXXX and made a purchase at a store called XXXX on XX/XX/2022. We thought the item cost XXXX euros and we were surprised when it was rung up for XXXX euros. We told the older man who was the shopkeeper that we did not want it, but he did not know how to make a return, he claimed he didnt have cash to give us, he called to get help but couldnt get any, and he assured us that if we just called the bank it would be straightened out and that he did not intend to take our money. I called Chase then and there there should be a record of the call and explained the situation and they assured me that I could file a claim once the charge was put through. I DID NOT SIGN THE RECEIPT! We came home, disputed the charge and in XXXX we learned that our claim was rejected. The documentation sent by Chase included a receipt from the store with a forged signature.I might add that in the documentation sent to Chase the store claims that I also ordered upwards of XXXX euros of merchandise from them which they are shipping to me. We have never done business with this store before or since and this is a complete fabrication. I reopened the dispute and sent a letter to the bank. For six months now, this issue has not been resolved. I have gone to my local branch on two occasions, I have made upwards of XXXX calls, I have escalated this to executive who tells me there is nothing they can do, that Chase is disputing the matter with visa, and I have wasted upwards of 15 hours on this matter.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I wrote a check to a contractor out of my Chase Bank business checking account in the amount of {$6600.00} and mailed it to my vendor. The check was intercepted in transit and never reached the intended payee. It was then improperly endorsed by the interceptor and deposited by XXXX XXXX XXXX. This was brought to our attention XX/XX/XXXX at which point, I called Chase and made a fraud claim on the phone. The fraud agent recommended I go into a local branch to complete a Declaration of Improper Endorsement form to complete my claim asap, which I did immediately that day. The branch offered to send copies of my paperwork directly to the fraud department on my behalf which I allowed. I followed up with the fraud department on the status of my claim for several weeks after that and kept being told they were still awaiting my Declaration of Improper Endorsement. I went back to the same local branch again on XX/XX/XXXX and the same advisor helped me contact the fraud department, who asked us to complete the paperwork a second time and resend. I did so, and once again the branch advisor sent copies to the fraud department via regular mail and digitally directly to the fraud department. I proceeded to contact the fraud department every few weeks to check on the status of my claim and was always met with the same response which was that they were still awaiting a response from the depositing bank which was XXXX XXXX XXXX. I went back to the branch again on XX/XX/XXXX to see if the same helpful advisor could help get me some more information on the status of my claim. We reached out to the fraud department together, and were told that there was no new update, and we were still waiting on XXXX XXXX XXXX to respond. At this point it had been well over the 90 day period I was told they had to respond within. I called the Chase Bank fraud department every few weeks after that for the last 6 months and have been given no new updates on my case. On XX/XX/XXXX I contacted the CEO and General Counsel of Chase Bank directly and made them aware of details of my claim. I explained that while the amount of the check is small in comparison to most business transactions, the loss of funds has been directly impacting my small business operations. And that I had now spent several hours at the bank and on the phone with the fraud department and was growing increasingly frustrated by the lack of urgency in the matter. I recognized that I know it is up to the endorsing bank to reconcile this issue, however as a valued client of Chase Bank, I felt some effort should be made by them to refund my money as quickly as possible. I got a call and email response from a representative of the executive branch of Chase within a week of contacting them. The rep offered me assurances that my case would not go unresolved and that they would check in with XXXX XXXX XXXX again on my behalf and monitor the claim. On XXXX XXXX I received a letter in the mail from Chase Bank alerting me that XXXX XXXX XXXX had declined my request for reimbursement and that my case had been closed. Enraged, I reached back out to the executive office and fraud department. I have not received a response from the executive office and I was told by the fraud advisor that I would likely have file another claim in order to try to recoup my funds again. As it stands right now, I have no recourse options available to me. It is overwhelmingly frustrating that neither XXXX XXXX XXXX, who allowed the incorrect endorsement, and Chase Bank, who released my funds, will take ownership or offer any assistance.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I found fraud on my business checking account on XX/XX/XXXX and called Chase to make the report. On this date I found numerous fraudulent activity that began on XX/XX/XXXX. I only learned about the activity when one of my legitimate checks was returned. I identified all of the fraud to the Fraud Dept personnel on XX/XX/XXXX. I was told I would get a letter and I had to fax or mail back within a few days. I found a letter in my online account on XX/XX/XXXX, I went to a Chase branch and had them fax back my response on XX/XX/XXXX. They have put me off with various stories and finally told me they were not paying my claim. I talked to another bank and learned that ACH Debits had to be reported within 24 hours on a banking account. I was never contacted by Chase for any of fraudulent checks or ACH Debits. I was shocked they did not notify me or block my account when they first started seeing the fraud in XXXX. The first ACH debit XXXX and XXXX on XX/XX/XXXX, the next was to XXXX XXXX for {$690.00} on XX/XX/XXXX, the next ACH Debit was to XXXX on XX/XX/XXXX for {$600.00}, the next was XXXX to XXXX XXXX for {$2100.00}, next was on XX/XX/XXXX to XXXX XXXX for {$3000.00} and {$1800.00} to XXXX XXXX XXXX on XX/XX/XXXX. It would seem to me that they can trace back whose accounts these payments were made to but nothing. The checks that were fraud happened on XX/XX/XXXX, XXXX and Chase did put those monies back into my account. Never once did Chase block or close my account or contact me about any of the fraud
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop report in this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A