Date Received: 2023-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A revised tax bill was issued by my county on XX/XX/XXXX. Chase paid the incorrect ( old ) amount from our escrow account on XX/XX/XXXX. I have contacted the county by telephone and confirmed that Chase is responsible for retrieving the bill from the online system based on the parcel number. They did not do this prior to disbursing the wrong amount. The incorrect payment was rejected by the county and left unpaid. On XX/XX/XXXX I called to inquire why the corrected tax bill had still not yet been paid since there was no escrow shortage. I was simply told someone would investigate it. On XX/XX/XXXX I followed up with XXXX in the tax department and was assured that this would be corrected before the delinquency date of XX/XX/XXXX. To ensure Chase had the correct amount, I also uploaded the new tax bill into the secure documents center online. On Tuesday XX/XX/XXXX I contacted XXXX again for an update and she had no new information. I let her know the amount due now includes a late fees and penalties. XXXX seemed very inconvenienced by my concerns and insisted the department handling my issue was a non-touch department that I was not permitted to communicate with. I requested her to escalate the issue. On XX/XX/XXXX I uploaded the Error Resolution Notice under 12 C.F.R. 1024.35 to the Chase secure documents center describing the issue and what needed to be done. On XX/XX/XXXX I called again and spoke with XXXX who advised me any late fees and penalties would actually paid from my escrow account as it is the mortgagor 's responsibility to send over the tax bill to Chase. I reminded her that this tax bill was sent over prior to the delinquency date on XX/XX/XXXX but Chase did not to pay on time. Eventually I was transferred to XXXX XXXX who assured me she would have this resolved and call me back by end of business XX/XX/XXXX. As of today XX/XX/XXXX, the correct amount of the delinquent tax bill has still not been paid and no one from Chase has attempted to contact us. I tried to call and speak with XXXX XXXX but XXXX said no one from the supervisor department is available and all she could do is submit yet another request for follow up.
Company Response:
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was charged for several transactions that I did not authorize. I had possession of the card, but I did not recognize the transactions that were charged on my account. My bank claims that after investigating the transactions, they concluded that there was " inconsistencies '' with the dispute and that because the merchant was a third party, it means that my debit card information was used in the transaction. Since the debit card was in my possession, they think that the idea that someone could have just taken the information that my card and committed these transactions is a hypothetical. They advised me to contact the merchant and ask for evidence showing it was not me who made it, but when I asked them what kind of evidence they would accept, they refused to tell me. Additionally, since I have filed these once for fraud and the bank has already rejected the claims, there is no way for them to reopen the case and give it another look. Therefore, I did not authorize these transactions. How my card was used, I do not know. What I do know is that my account was not used and this was another person 's account.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I will refer to the former complaint XXXX. After still fighting for 3 years to get this account closed for good, it has come to my attention that JPMorgan Chase Bank may have violated the Servicemembers Civil Relief Act ( SCRA ) given that I was XXXX from the XXXX until XXXX. According to their documents, " Your rights under the Servicemembers Civil Relief Act ( SCRA ), similar state laws, and/or Chase Policy will guide what happens with your account. During your active service and for 180 days after, Chase will not repossess the vehicle without your written consent unless it is at risk of loss or damage ''. The vehicle was never at risk of loss or damage and seeing as I never received their correspondence, I also never gave them my consent. I have also come to find that I can file a complaint for this to the US Justice Department. I just want to be let go from this account. This account was even actually closed previously but then they reopened it. I failed to make the payments, yes, the car was repossessed, causing HUGE life-shattering effects, and caused even more hardship and still impacts my ability to apply for loans and mortgages to this day because for some reason the reports say that I am too pay {$5000.00} a month.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Received a text about fraud activity. Closed the card immediately. Called and Reported 2 fraudulent transactions and ordered new cards. Company denied my claim despite following directions as followed. I called and spoke with a claims specialist who told me i would need to speak to the merchant directly. She said that because I had other transactions on the account around the same time that I didnt report as fraud, they have concluded that the transactions I reported were authorized by me. I escalated to a supervisor who told me that the claims were not valid and that if I wanted to escalate further or talk to another supervisor, i would need to hang up and call back.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received a notification that my checking account was overdrawn. When I took a look, I saw that over the course of 2 days XX/XX/XXXX and XX/XX/XXXX, there were multiple charges from XXXX XXXX totaling over {$4000.00}. When I looked at the app I noted that these charges were made within minutes of each other in large amounts up to {$400.00}. I will admit that I have the XXXX 's app on my phone and that I have used it. But my usage is minimal and not with the frequency or the amounts that it was utilized over those two days XX/XX/XXXX and XX/XX/XXXX I immediately called XXXX 's to report this. That evening I obtained a police report and faxed a copy to XXXX 's and Chase Bank where I have my checking account. XXXX 's told me that they were able to trace the transactions to my cell phone. I worked long days on XX/XX/XXXX and XXXX. I am an XXXX XXXX XXXX XXXXXXXX at an assisted living facility and not allowed to carry my personal cell phone on me. I have been given a cell phone provided by my employer that I carry instead. My cell phone in the wallet case that allows me to store my driver 's license, credit card, debit card, is left on a desk in the office while I'm out working and running around on the floor. I hate to believe that someone got a hold of my phone and went into the valley app where my debit card is connected and ran up all those charges. I work in a very busy building. We have third-party providers my coworkers, residents, their families and visitors. I can only imagine that someone accessed my phone without my knowledge. Yes, I have played online games with XXXX 's casino. But I did not play over {$4000.00} worth in such a short amount of time. I'm a single mom with a mortgage and I'm currently in the process of refinancing my mortgage. I am the sole provider for my family, including my MotheXXXX. While taking a closer look at these transactions, it was clear that my bank continued to authorize payments to XXXX 's even after my account was already overdrawn. On XX/XX/XXXX I also contacted my bank to notify them of all of these charges that I did not authorize. At the conclusion of their investigation, I was notified that my claim was denied because XXXX 's confirmed that the transactions were made from my cell phone, the same phone used for previous transactions made through their app that I've admitted were mine. But I stressed to them that I did not authorize the transactions made on XX/XX/XXXX and XX/XX/XXXX! I need help recovering the money that was essentially stolen from me. Please. My checking account remains overdrawn. I have automatic payments being presented to my bank. My mortgage payment was returned and NSF fees continue to accrue. This has been awful. I have canceled my credit card and closed my XXXX 's account, because I'm sure that whoever did this has also written down my information to take with them.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Late XX/XX/2023 a bank ( XXXX ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. When I went to the FTC.gov website, it brought me to this website to make my report. I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX ( Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) XXXX XXXX, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) JPMCB Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 JPMCB Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX
Company Response:
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: To Whom It May Concern : Dear Sir/Madam I try not to visit your branches, because I was once XXXX discriminated by a XXXX female employee at one of your branches, which honestly I am not really surprised at because I see countless news articles about XXXX XXXX at Chase branches , so I guess that's the Chase standard. So I try to do my banking via phone only. On the XXXX day of XX/XX/2023, I made three calls to your claims department. Call 1 : I called regarding canceling one of the disputes, spoke with one male operator from the claims department, not sure if the dispute has been cancelled yet. I asked the operator to transfer the call to the general customer service department because I had another question. The operator asked me to call back again and hung up on me. Call 2 : I called your claims department to lodge a complaint against the previous male operator. This time a female operator named XXXX from the claims department picked up the call. I asked her to transfer the call to a supervisor/manager. A male person came to the call, I first asked him to confirm if he is a manager or a supervisor, to which he clearly replied if I don't give my account number to him he will hang up the call on my face. I have zero tolerance for this kind of attitude, so I responded to him " appropriately '' after which he ofcourse hung up on me. 3rd call : I called your claims department again to find out the names of these two people I spoke with earlier, but this time the female operator could not give me the names. Why should I bank with Chase?
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX or XXXXXXXX XXXX got into my account and submitted the disputes on my account in total of XXXX company called me and told me they put funds into my account and wanted me to buy bitcoin with that money so they would give me XXXX in a personal loan for doing this for them. Also they said state of Florida seized my loan and wasn't able to get loan. I went to bank and they said I was responsible for the XXXX. I don't know how I am since loan company did the hacking
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have multiple charges from XXXX that were cancelled and not refunded. I ended up booking with the hotel directly and was charged the correct amount there. This happened twice and i have not recieved any help from my bank. I also notified them of 3 charges for XXXX dollars and one for XXXX dollars from a company in XXXX that i had never heard of.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
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: I received a text message on XX/XX/2023 from a number with the same area code as my phone number. It stated it was from Chase : Fraud Prevention and said my card had been temporarily blocked. It had a web link of " https : //chasealertinc.com/JPmorgan.php? unlock ''. I did not click the link as I was suspicious of the text. Instead on XXXX around XXXX I logged into my Online banking account with Chase and reviewed the activity XXXX I noticed no unusual activity, and there was no indication on my online banking website that my card was blocked. I found the fraud reporting phone number on Chase 's website, and called it. I was prompted to verify the account information through an automated system. Once I was routed to a real person, I was again prompted to verify the account. The real person asked several questions that were uncomfortable for someone who suspects fraud on their account, such as giving an entire social security number. Even after the rest of the questions were answered correctly, the representative could not verify the account. She asked me for my phone number and said she would need to call me back to verify who I was. This made no sense as a verification method, since I could have given any phone number, and it is really easy to forward one phone number to another. When I raised this issue with the representative she said there was nothing else she could do without verifying my identity in this way. I then asked if there was a way for me to find the information I was looking for on Chase 's website, and she again said she could do nothing more for me. She then hung up on me. I do not live near any Chase branches, and I am not seeing any other customer service numbers for chase on their website, so I have no other way of contacting them to see if I have been the victim of fraud. Especially with one of their representatives asking for me to provide a code that it says they would never ask for ( 2 step verification processes ). How can consumers protect themselves from fraud when the people you are supposed to contact about potential fraud act so suspiciously?
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A