Date Received: 2023-05-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by someone pretending to be my landlord and asking me to send rent payment via money transfer by ACH direct deposit transfer and had landlord name and email signature on the email. I sent the payment on XX/XX/XXXX and found out today it was not my landlord contacting me and my rent is still due
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of XXXX, I went to the Chase Bank near the XXXX XXXX to deposit 2 checks, 1 for XXXX, and one for XXXX. These checks were from a XXXX case I won. Since that time I tried to get access to my funds but Chase restricted my account, and asked me to bring proof of my address and I did that and then they still werent able to unrestrict my account and closed my account. Now, it has been 4 months of me calling Chase and Chase trying to verify the checks and to this day they say that can't verify it. I have brought in proof and still no release of funds. The 2 times I went and the CSR spoke of fraud on my part and that wasn't the issue.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/23 XXXX XXXX- I am at a XXXX XXXX XXXX with my family and I received a fraud alert text from ( XXXX ) XXXX that states that an unauthorized XXXX transaction was processed reply " NO '' if it was not me. I reply NO to the message and go to check my bank account through the mobile app. As soon as I login I see that multiple XXXX transactions have already been sent out. Within 5 minutes I am called from ( XXXX ) XXXX ( this number shows as Chase Bank XXXX XXXX if you XXXX it, and if you call it back it leads to a Chase Menu ). The person claims to be with Chase Fraud department and reads off the transaction amounts and who they were sent to ( leading me to believe this person was in fact with Chase ). They say the only thing that needs to happen is to contact the recipients and have them send the money back. XXXX XXXX - Chase QuickPay Team canceled one of the outgoing transactions and did so with 8 others following ( Somehow this raised 0 red flags at Chase for anyone from the actual Fraud Department to see it or even reach out to me ) XXXX XXXX- I then contacted the acquaintances and let them know to send the money back. They do so, however the money never gets back into my account. Chase and XXXX should have records of the payments being sent back but never making it into my account. The payments continue to come out of my account for the next 4 hours and my acquaintances keep sending back to me. I received text notifications each time I was sent funds back ( again never showing in my actual account ). At some point around XXXX XXXX the transactions stop coming out of my account XX/XX/23 XXXX XXXX- I received a call from the same person informing me more transactions are coming out of my account and to again let the recipients know to send the money back. I hang up this time as I am frustrated with no progress being made on my account. At this point I believe the funds that are being sent back are pending due to Chase recognizing my account has fraudulent charges. The recipient again sends the funds back, but they are never actually received by me. I just get the text notifications for them. XXXX XXXX - The remaining funds in my account are moved to a different account so they can no longer be accessed by the scammer. XX/XX/23 - I called Chase fraud and thought I already had a case started. This is when I realized that every part of the prior phone calls were actually not Chase but the scammer. A case was created. Case # XXXX I was told the case would be reviewed and to expect funds back into my account in 10 days. In the meantime I would receive a letter and an email. I didnt receive either. XX/XX/23 - Claim is denied by Chase based on it being from a trusted device, no failed login attempts, IP address within the geographical area ( XXXX, FL ) which is definitely not near where I was that night or the next night, and Face ID ( this would only have been used when I logged into my Chase app and never to process any transactions ) XX/XX/23 - I called Chase to appeal the decision and get further information. They tell me there's nothing they can do, and can not even provide any information on the " trusted device '' that was used ( make, model, IP address, nothing ). I am then connected with a manager who states on the recorded line that he personally deals with this issue 3-4 times a day with XXXX users. There is a virus or malware that is put on the phone that allows the scammers to see everything on your screen and that is how they gain access to the bank account. He says that I can go to XXXX and have them run a scan on the phone and if they detect any malicious software then I can send documentation to prove my device was compromised. I don't believe that there is any virus on my phone and it was just a way for the representative to put the burden of proof on me. I go to the XXXX XXXX anyway and they say they don't have any way of scanning my device and all they can recommend is a factory reset ( which would delete any potential evidence if there was any ). After this I call Chase and let them know their recommendation will not work and ask what other options there are. I am told by the manager that there is nothing else they will do and that it is on me as the client to have XXXX prove my device has been hacked. I ask about what else can be done if Chase knows this is an ongoing issue, but does not provide clients with any warnings or resolutions and the manager hangs up the call. Chase has the amounts lost listed as {$1900.00} and {$3900.00} totaling {$5900.00}
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I went into a Chase branch to purchase XXXX money orders to start to pay off a debt that I owe to XXXX friends. After a moment the teller asked for my I.D and after XXXX minutes I was told they dont give out cashiers checks at that amount and the minimum is {$100.00}. I have never purchased one before so I was no aware of this. I feel as thought i was discriminated against and they thought I was doing something illegal. I told them I would return to purchase the money orders when I had more money in my account. When I tried to make a deposit into my account it wouldn't let me. I called to try and resolve it and Chase told me all my accounts were frozen and would be closed in 10 business days. I now have no access to my funds for 10 days and no bank account for no reason.
Company Response:
State: NJ
Zip: 08302
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am XXXX XXXX - I am unable to access telephone customer service. Credit card companies ( and other companies ) email me regularly from no-reply addresses and often their accessible options only include phone contact. Please consider XXXX people and have banking services have alternate access ( apparently accessibility is only meant to help with blindness according the customer service representatives I have connected with )
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 in XXXX, Florida I was scammed on the beach. A man approached me selling waters and I asked for two. As I tried to send the money through XXXX using my Chase account an error message popped up stating the number was not registered with a XXXX account. The man took the phone out of my hand transferred XXXX out of my savings into my checking and sent XXXX dollars to one number and XXXX dollars to an email. My phone immediately died when he returned my phone. When I got back to my hotel and saw I was scammed I immediately called the XXXX XXXX Police Department and filed a police report. I even went back to where the incident happened with several cops and searched the area for this man. The XXXX dollar payment was canceled and I have yet to get my XXXX dollars back. I filed a claim and the claim was denied so I filed to reopen my claim and that was denied as well. This whole incident has caused me stress, financial stress and caused me to slip up in school. The XXXX dollars stolen from my is the refund money from my student loans that I absolutely need in order to repay those loans and continue school. This has caused me so much distress and destitution.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I switched jobs and didn't get the email that my check paying off the credit card for XXXX wasn't cashed because of a mix up at my bank. I received a letter from Chase credit card services on XX/XX/XXXX, 1 week after being 30'days late and them hitting my credit with a late pay. The letter is dated XX/XX/XXXX that the check wasn't cashed and email came back. I called chase to explain I never received emails or phones or a letter and they said that was untrue. I called on XX/XX/XXXX immediately after finding out my credit was hit with a 30 day late. They said they had done everything they could and would NOT lower the late pay. Absolutely unforgivable as they sent the letter out late after the lates and never called to let me know the check wasn't cashed!!! The letters attached were received on XX/XX/XXXX ... a week after the due date!!!
Company Response:
State: OH
Zip: 44514
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Chase Freedom credit cards lured me in with a low initial interest rate and now they are charging over 19 percent in interest charges. For consumers like me I've become a debt slave to multiple credit cards because of the now high price. Due to the pandemic and mandates it caused me to lose my better paid employment. Even though I pay my bills on time I am unable to get a personal loan with a lower fixed interest rate. I feel trapped in a now win situation. I contacted the credit card company recently to see if they would lower the astronomical price but the company refused. This situation is infuriating because I am doing the best I can to keep up and I am no longer living as a debt slave.
Company Response:
State: PA
Zip: 17057
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: My partner and I were scammed by an online landlord of of {$2000.00} and just as when we figured we were scammed, I called my bank Chase to stop processing the funds. The money was being wired from my account and it was still in the process of transferring, and they could have blocked or stop it but they said because it's made via XXXX on the Chase app, it can't be done but they were referring to the {$500.00} x 2 that was transferred on XX/XX/XXXX and XX/XX/XXXX respectively. But {$500.00} x 2 was still in the process of being transferred on XX/XX/XXXX and XX/XX/XXXX. They did not handled that matter and continued disbursing the money. XX/XX/XXXX My partner and I were looking at apartments at XXXX XXXX, came across an apartment on XXXX XXXX XXXX XXXX, by a user named XXXX XXXX which told me to email XXXX XXXX via email ( XXXX XXXX ) XX/XX/XXXX Initiated contact with XXXX, she told us about the apartment. This is our first time renting an apartment, so her details seemed credible. XX/XX/XXXX She asked for our ID and payment prior to viewing the apartment. She made a booking.com link ( XXXX XXXX XXXXXXXX ) claiming that " XXXX Company will require confirmation which is the rental price for the first 1 month + damage refundable deposit ( which will be fully refunded when the rental contract ends ). The rent per month is {$1000.00} + {$1000.00} deposit to move in. This helps ensure that we are protected under their Terms of Service, Cancellation and Refund Policy, Host Guarantee, Host Protection Insurance Program, and other safeguards. You can cancel for any reason after your booking without any penalty. Within a day you find the description and photos incorrect, I waive the cancellation policy and XXXX will refund you the full amount you paid. XXXX acts as an escrow between me and you ( a third party on behalf of both parties ) guaranteeing that you will get exactly what you paid for, or your money back. We want to use this service because it gives us peace of mind and allows us to trade in the best way. '' XXXX Made payment of {$500.00} x 4 via Chase XXXX app XXXX XXXX XXXX ( XXXX ) And on XX/XX/XXXX, after the payment she said " You'll be called by the Booking agent to arrange viewing. I will keep you updated. Monday at XXXX XXXX XXXX time is good for you? Have a great Sunday, XXXX '' I asked for a change in timing and she said was the last contact, " I will ask them this and let you know! '' and then she MIA. We went to the house address and we discovered that there was a guy that was also waiting on XXXX, that was not replying him either. Went to the XXXX link and it says " Forbidden '' there and then we knew we were scammed. Called Chase immediately to ask them to cancel the processing payments but they said they cant do anything about it. At this point only {$1000.00} successfully got transferred another {$1000.00} Chase was processing, but they chose to just let the funds proceed to being transferred only two days after. Took us 2 days to processed what just happened, we just started our full time jobs and wanted a better place to live in. I just moved from XXXX and this was definitely a bad impression of what I had with my moving experience here. XX/XX/XXXX We went to the police station to report on this scam, we are not sure if they've taken it into investigation as we tried calling for our Case number so many times but no one picked up the phone. We do not have funds to fight for this case to hire a digital forensics expert and we are searching for many ways to get our money back. XX/XX/XXXX A report is filed to the FTC.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone used a fake identity to withdraw {$20000.00} from my checking account on XX/XX/23. The report has been reported to my bank and they are investigating.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A