Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is XXXX XXXX XXXX {$2100.00} and the other account is JPMCB CARD SERVICES {$4800.00}. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is an ongoing issue that had not been resolved. No one is allowing me to get any resolution. I receive calls from Chase Bank Executive office with still no resolution. When they transfer my calll Im on hold for 45 minutes or longer. No one comes back to the phone to help me out. This is in every way poor business practice. Why transfer me all around if no one is willing to help!!! Why call me if Im given the run around? This has been going on for a month now.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Monday, XX/XX/23, I received a phone call from XXXX. The caller claimed to be from the Chase bank fraud department. They asked if I authorized a wire transfer for {$15000.00} to a " XXXX XXXX '' in XXXX. I replied that I absolutely did not. The person instructed me that in order to dispute the transfer, I would have to log into my Chase bank app. I have experienced similar scenarios before in which Chase bank has contacted me to ask if I authorized certain charges. For example, when I have been in another state making a purchase, ( even for charges as little as {$5.00} ), I have been contacted by Chase fraud department to confirm that I was the one making the purchase. The caller knew my personal information including my full name, phone number, address, and the balance in my bank account. He proceeded to explain how I should " dispute the transfer ''. In reality, he was instructing me to wire the {$15000.00} to an account with XXXX XXXX. In the midst of all this, I entered my local Chase branch to investigate and report what was happening. After speaking with several Chase representatives, I was told that unfortunately, " this is ( my ) loss. '' Chase is no longer pursuing my claim. I have subsequently filed a police report, and XXXX XXXX is being subpoenaed for the recipient account information. The ADA has been notified.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: JP Morgan Chase Bank, at which I had checking and savings accounts for 40 years, is unlawfully holding my funds and refuses to release them. This complaint follows my XX/XX/XXXX CFPB complaint ( # XXXX ). I sent the earlier complaint because a check I drew from my Chase checking account in XXXX was stolen and cashed, without my knowledge or authorization. Chase says it attempted to contact the bank that my stolen check was cashed at ( XXXX XXXX ), but that XXXX XXXX was unresponsive, and therefore Chase said, it would not help me recover the stolen funds. NOW : After Chase announced its refusal to help me, I sent complaints to CFPB ; to the New York State Attorney General ; and to the New York State Governor 's Office. Suddenly, Chase says that it HAS RECOVERED my stolen funds. And yet, Chase is not above retribution. In XXXX I received two envelopes from Chase, each containing one cashier 's check, and each for the exact amount of funds that were stolen ( {$2000.00} ). In other words, I have no idea what to do about this gigantic error on Chase 's part : Do I cash one check and destroy the other? Is the second check compensation for the heartache and trouble Chase has caused me? I notified Chase Executive Offices immediately about the issue. As of this writing I have received NO GUIDANCE from Chase whatsoever. How is this bank entitled to treat New Yorkers so cruelly and indifferently? I desperately need this money, and Chase is earning profit off of it. This is unfair. Please help me stop Chase Bank 's unlawful holding of my funds.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or about XX/XX/XXXX I noticed fraudulent charges on my husband, XXXX XXXX, debit card that dated back approximately 2 weeks or less. On XX/XX/XXXX, {$370.00} was fraudulently charged to my husbands debit card, from various out of state venues, the bulk being XXXX XXXX in Tennessee. My husband and I have never been to Tennessee and haven't even been to the movies in a few years.I called Chase immediately and reported the charges. While speaking with the agent she entered all of the charges and then asked if I was sure that was all. I said maybe I should look back further and she encouraged me to do so. I found a few minor charges from a company that I did not recognize of less than {$8.00} each that were from XXXX and the rep said she would add those even though I said at the time that I wasnt even sure about them. I have never filed a claim for fraudulent charges and thought that if they were real charges they would just be ignored. They were such a minor amount that I had thought they were a minor purchase my husband had made and there was no fraudulent activity anytime soon after that that would have led me to investigate further. The money was credited back to my account but a few days later they were all debited again. Not only was the total of {$370.00} charged again, but additional charges of {$110.00} - again, mostly from XXXX XXXX in Tennessee were added as well. These had posted a few days AFTER I had reported my husbands card as compromised. I immediately called Chase and was told that because those 2 charges of less than {$8.00} were included, that ALL the charges were reinstated due to the fact those 2 minor charges were over 60 days old. I asked if I could just refile the current charges and I was told no. In addition, I was told that the charges that posted a few days AFTER I reported the fraud were my responsibility as well. I explained the circumstances that I have previously explained in this letter but was told it is policy. I worked my way up the chain, and was told time and again that it was policy and it sounded as though the agents were reading from a script as they said exactly the same lines over and over. I went to my local branch and they were very nice, and also seemed surprised at the circumstances but after calling the main claims department on my behalf were again told it was policy. I then filed a claim with the XXXX, and received a call from a Chase employee who was trying to help me resolve this issue. Although she was very nice and I believe she was genuinely trying to help, I was still told that the claims department said this was once again, their policy and Chase would not reconsider my case. I shared with her that this was my husbands debit card and that he was on XXXX and suffering from a currently incurable form of XXXX and neither of us might be as on top of minor charges as a result of the ongoing stress that this entails. She advised that I call the claims department again and let them know because there are exceptions for medical issues. I called Chase on XX/XX/XXXX, and spoke to a few different people explaining my husbands medical condition as I hadnt realized that there might be an exception. They reopened the case after I provided medical documentation regarding his condition but a representative subsequently left a voicemail saying, .. just because he is ill doesnt mean that we will make an exception. I sent another letter on XX/XX/XXXX, letting them know that the early minor charges I had though MIGHT be false turned out to be legitimate and I thought they would have investigated and found this to be the case as well, but I heard nothing back from them. This alone delegitimizes their excuse for not reimbursing me, not to mention all the other circumstances involved in this case, but again, no response. I will be glad to forward all correspondence and voicemails upon request. It is my belief that Chase has engaged in unfair practices for a number of reasons that have been described in this letter and I am hopeful that the Consumer Finance Protection Board can help me to receive fair treatment as well as helping to prevent this type of thing from happening to others in the future. Thank you for your consideration.
Company Response:
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: To whom it may concern, It sounds like Chase may be in violation of the Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. and its implementing Regulation E. By intending to initiate an electronic funds transfer from my bank account ( as defined by 15 U.S.C. 1693a ( 7 ) ), the transfer of {$1100.00} is a transaction subject to Regulation E and EFTA. See 12 C.F.R. 1005.3 ( b ). Chase obtained authorization from me for this transfer but did not comply with the requirements of Regulation E and EFTA. Specifically, Chase completed an electronic funds transfer that did not arrive in my receiving bank account ( XXXX XXXX XXXX ) due to a computational error made by Chase as a financial institution. This error was a result of me giving Chase accurate information, i.e., logging in to my XXXX online banking account through Chases transfer platform and giving Chase access to my XXXX credentials. Chases transfer platform allowed me to select an Account that Chase interpreted and extracted incorrect data from. I relied on Chase presenting me with the option to select this account, understanding that Chase would take necessary information to ensure that my transfer of {$1100.00} would end up in my XXXX account. If the XXXX savings account that I selected was not considered an ACH account by XXXX, Chases technology should not have allowed me to select it as an account or should have a technology process in place to deal with such scenario. I did not make any errors on your part e.g., typing in an incorrect account number. Further, after not receiving the funds and opening disputes ( see attached ) with Chase, Chase denied my claims and provided me with contact information to receive documentation as required by 12 C.F.R. 1005.9 or 1005.10 ( a ). After me as the consumer requested that documentation, Chase likely committed another violation of the EFTA and Regulation E by not providing documentation for additional information or clarification concerning an electronic funds transfer. 12 C.F.R. 1005.11 ( a ) ( 11 ) ; 12 C.F.R. 1005.11 ( c ) ( 1 ). I have requested, and failed to receive, any actual evidence or documents that Chase relied on in making its determination, instead i received attached documentation.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I entered into a payment plan with Chase, for a {$1000.00}. The clearly stated terms were a 12 month plan at {$5.00} a month. I made purchases during the current month for {$2800.00} and had returns of {$600.00} ( amounts are approximate ). Rather than apply the credits to the amount owed ( i.e. the {$2800.00} ), the credits were used to offset amounts included in the payment plan and my current amount due is {$3400.00}, despite the fact that only {$2800.00} in purchase were made. The payment plans market one type of service ( i.e. pay off over 12 months in equal installment ) and they do not clearly state how credits will offset current amounts. The essence of a payment plan is to help consumers, not make them worse off, as in my situation. Supposedly this located in disclosures ; however, disclosures are not readily available from their site while using a phone. I contacted chase and their employees were unable to answer any questions other than this is the standard practice. I had them explain, over a recorded conversation, how credits are not offset against an actual purchase but against a current balance due. This breaks every rule of how credits are to offset an actual purchase, as far as accounting XXXX is concerned. From my point of view, the way the credits were used to offset my outstanding balance is a scheme to make a consumers obligations higher than actual amounts due, so that the Chase could potentially earn 1/12 of 20 % interest on the full {$3400.00} due, as opposed to the {$5.00} monthly fee of the installment plan. Again payment plans should help not hurt consumers.
Company Response:
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Hello. So I refinanced my car loan from XXXX XXXX to XXXX XXXX. XXXX sent me a check back in XX/XX/2022 and I deposited the check in my personal Chase account and called XXXX XXXX on the same day and made the payment to be paid off. A month later ( XXXX ) Chase pulled the payment from XXXX XXXX and has been holding the check because they said XXXX XXXX endorsement needed to be on the check. We went back and forth for a month trying to get someone from XXXX XXXX to endorse it but they said the department that deals with that is In California so its no way that could get done. So they told me and XXXX to do a recall on the check so they can send it back to XXXX. XXXX XXXX did the recall and Chase said 45 business days and we waited UNTILL the full 45 business days and Chase had approved it and then canceled it. So XXXX XXXX did the recall process again and Chase approved it and cancel it again. Chase has been holding this check since XXXX and its now XXXX. XXXX has did their part and Chase still hasnt sent XXXX the check back which is causing a financial crisis on me because I am stuck to pay two notes on 1 vehicle. Chase needs to send that check back to XXXX XXXX. Why is Chase holding XXXX XXXX check. I need them to send it back to XXXX so XXXX can reissue me another one so I can pay XXXX XXXX.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I vehemently deny authorizing any of the following activity on my bank accounts ; however, the bank is refusing to reimburse my funds. I have taken the following steps to resolve this issue and prove to Chase that I was a victim of fraud : I realized my account had been compromised after logging into my online account on XX/XX/XXXX. My checking and savings accounts were drained by unauthorized transactions. In regards to my savings account, an unauthorized transfer of {$4700.00} was made to my checking account. In regards to my checking account, {$5400.00} worth of unauthorized transactions were allowed to occur by my bank. I immediately called my bank on XX/XX/XXXX, to report the fraudulent activity on my accounts. The Chase representative then opened a dispute on my behalf and stated I should hear from them within 10 business days. The Chase fraud department also locked my accounts and created a new username and password for online banking. The associate instructed a new debit card would be sent to me. When I asked the bank associate if I need to call the police, I was told no. The bank stated law enforcement would merely call them. I took it upon myself to make an identity theft report with the Federal Trade Commission and place a security freeze on my credit report the very same day. I also changed my email passwords and enabled 2-step authentication. On XX/XX/XXXX I visited my local Chase bank to close accounts and speak to a banker about fraud resolution. I informed the banker of the steps I have taken thus far and asked for further directions or guidance related to the fraud. I was only told that an investigation was taking place and I should be reimbursed within 10 business days. The banker confiscated my debit card to destroy, then created a new checking and savings account. On XX/XX/XXXX, I called the fraud department to check on the status of the investigation. I was informed that Chase closed my dispute because they believed the transactions were authorized. I escalated the call to a supervisor who informed me they would re-open the dispute and re-investigate the claim, and I would hear back from them in 3-5 business days. On XX/XX/XXXX, I sent through Chase online secure messages a request for any and all documents relied upon to make the decision not to reimburse me for the unauthorized transactions. On XX/XX/XXXX, I sent a copy of the Identity Theft Report made with the Federal Trade Commision as well as proof of the placement of a security freeze on my credit reports. I am still waiting on their decision ; however if you can offer any further advice or support regarding this issue it would be greatly appreciated.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A