Date Received: 2023-05-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed card XX/XX/XXXX. Chase continues to place a charge on the account, which I dispute, which they issue a refund for. This has happened at least four times. When I last called, I was transferred 8 times and spent 90 minutes on the phone. I am being told it is an internal problem and I would receive a call back within 3 days. That was XX/XX/XXXX. I've requested, and been told the charges would not go through again but they continue. A dispute for this same problem was filed on XX/XX/XXXX, claim # XXXX. I want the last charge removed and the card permanently closed.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I received a check for {$7200.00} from what I thought was an employer who had hired me to work from home in response to a job opening listed on Indeed.com The check was to be used to purchase equipment needed to perform the work. I deposited the check in my checking account at JPMorgan Chase at the XXXX, NJ, office before XXXX XXXX on XX/XX/2023. The cashier told me the funds would be available the next day. The next day, XX/XX/2023, the funds appeared in my online checking account as " available. '' I proceeded to disburse the funds as directed by the supposed employer through XXXX, XXXX, and XXXX, supposedly to vendors used by the employer, to be used for equipment and software needed to work at home. I next checked my checking account online on Tuesday, XX/XX/2023, and found the account overdrawn by {$6800.00} because the check had not been honored by the bank on which it was drawn. I was unable to contact the supplier of the check. In conversation with the Chase banking and security personnel, I was told that this was an old scam, called " the work scam. '' The scammers have found a flaw in the banking procedures and are taking advantage of the flaw. That flaw should be fixed.
Company Response:
State: NJ
Zip: 07701
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed through XXXX. Somebody else deposited 2 checks of XXXX dolars into my bank account for a product that I was selling. I have evidence of the checks, the checks were credited into my account for a total of {$4800.00} and I have a copy of the CHASE receipt the checks were deposited in the bank through a cashier based on what you can see in the receipt. The TOTAL amount of the money was credited on the same day the checks were deposited which was XX/XX/XXXX. The person then asked me to zelle him back {$1400.00} because apparently they had mistakenly sent extra money to me. We made a deal of the product 's cost of {$6000.00}. ( it was a jewelry necklace that's why they only sent part of the money to start its fabrication ). I did the transaction through XXXX through 2 bank accounts ( my husband and mine*as the daily limit for new transactions was only {$500.00} ). and 3 days later XX/XX/XXXX ( the bank did not notify me, only I found out when I was checking my transactions ) and found out that the checks were rejected. I called the bank JP MORGAN chase and they said there is nothing that can be done as I was the person that initiate the transaction even though they accredited the check completely on the first place. The bank did not open a case I went to the police station to file a report they are asking me for a bank 's letter staying that they rejected the two checks because they were fake however the chase representative said they do not write those letters and they can't help me. I need some help and guidance in this process. Thank you so much
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I received an email notifying me that a XXXX account had been created using my email address, and seconds later I got a second email confirming my purchase for tickets using that XXXX account in the total amount of {$1800.00}. I knew I had not created this account and it had to be fraud, so in order to prevent the fraudulent parties from getting what they wanted, I went to XXXX to attempt to reset the password to this fraudulent account, in order for me to get access to an account I had not set up and therefore didn't have the password to, so I could change the password and block the fraudulent parties 's access to that account. I set up a new password so I could then access the account. I first tried looking for a way in XXXX to cancel and return the tickets untouched, but there was no such option, so I immediately closed the XXXX account unused and called my credit card company, Chase, to report the fraud. In the months following, we had several calls with XXXX where they continued to state they were investigating my claim with statements that they would follow up with me within 24 to 48 hours with updates, which they never did. On XX/XX/XXXX, I received a letter from Chase that their findings were the charge was valid, so I contacted Chase and XXXX in tandem again to dispute the charge. On a subsequent call XX/XX/XXXX, XXXX admitted that the account was created fraudulently while Chase was on the line, but they never sent a confirmation email containing that statement on their letterhead as Chase required, nor did they issue a refund. On XX/XX/XXXX, I followed up again with Chase who informed me that I had to reach out to XXXX directly, which I did immediately. XXXX claimed that they'd won the chargeback claim that Chase issued, that the bank ( i.e. Chase ) agreed with XXXX that this transaction was not fraudulent, and that no refund would be issued. According to XXXX, part of their " Riskified '' process to prevent fraud was to send a text message to the account holder, and once that message was responded to with an approval, that validated the account. I stated to XXXX that I received no such text message, and when asked what phone number XXXX used to send this supposed message, they said they had no record of the phone number used to send this text message. I did NOT create this fraudulent account. I did NOT purchase these tickets from XXXX. I do NOT agree with the decision rendered by XXXX or Chase, and I am filing a police report for this fraudulent charge in combination with this complaint. I intend to take legal action absent a timely refund for this fraudulent charge. I can provide records of the above actions upon request.
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: In XX/XX/XXXX I made a purchase using XXXX which would charge my Chase credit card {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so Chase gave me a credit for the {$750.00} in early XX/XX/XXXX and I filed a dispute against the vendor. In XXXX, XXXX the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. Chase did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from XXXX and they would return the money to them. Chase then rebilled me the {$750.00} on or about XX/XX/XXXX as I had received 2 refunds for the same item. I assumed at this time everything was over. Until About XX/XX/XXXX XXXX also rebilled {$750.00} to my credit card. I also noticed they had blocked me from using their services. I called XXXX to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( XXXX ) never received their money that Chase had credited to me in XXXX. I have called Chase every week since then several times per week asking them what is the process for returning this money to XXXX. They have told me they returned it to the bank on XX/XX/XXXX and XXXX had to check the bank or merchant services. I called XXXX to give them the information and they have stated they see no refunds on their account. XXXX is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why XXXX and Chase cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received a cash. This was all transactions through a credit card. So I dont understand why XXXX believes I am responsible for any delays. I have called Chase numerous times per week asking for help. Asking them specifically where the money went, to what bank, are there any routing numbers etc. Chase has told me weekly they will look into it and call me back with updates. Chase has never called me. I dont want this to go on for months. I need help.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Credit card company has been applying my payments to 0 % APR balance instead of 27 % APR balance. It is my understanding they can not do this. I have called them twice now and spoken with 3 different people. Per CARDS ACT credit cards should allocate payments above minimum to higher interest balance first. Please see 3 months of statements. On XXXX statement, there is a total balance in the account of {$18000.00}. This is split into {$12000.00} at 0 % APR and {$5300.00} at 27 % APR. I made a payment of {$2800.00} that should have been applied to higher APR balance. Instead, on XXXX statement I see my 0 % balance decreased to {$9200.00} and I was charged interest of {$220.00} You can see this numbers on the last page of my statement where the balances are separated per APR.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: Remove 30 day late payment from my JPMCB credit file. My credit score has decreased from XXXX to XXXX as a result of JPMCB/Amazon 's unwillingness to contact me regarding a {$16.00} charge that put my account over 30 days past due without notifying me of an impending issue. Synopsis : My wife 's Amazon XXXX account used her XXXX XXXX card as the primary payment method for purchases and my Amazon Visa from JP Morgan Chase Bank, JPMCB, as a secondary payment method. In XX/XX/2023 my wife temporarily lost her XXXX XXXX card at an XXXX XXXX TX area XXXX. It was returned to the Customer Service desk, but we later discovered unauthorized charges. She reported this to XXXX and they canceled her card. XXXX reissued a new card with a new number. This new number was not immediately transferred over to Amazon. On XX/XX/2023, there was a {$16.00} charge to her Amazon account that was declined by XXXX XXXX. Amazon immediately charged the JPMCB card account We were away from home for a total of five months and did not receive USPS mail, only email, text messages, phone calls, and USPS images of mail going into our XXXX XXXX back home. I was not notified that {$16.00} had been charged to my JPMCB card account and there was no additional communication that the account was past due over 30 days. JPMCB and/or Amazon has my contact information and could have contacted me electronically. The written letters sent by JPMCB, and imaged by the USPS, which I received electronically via email, did not have any indications on the return address that they were from JPMCB. If I saw JPMCB on the image, I would have contacted JPMCB for clarification. My first indication that there was an issue with the JPMCB account was when I received an alert from XXXXXXXX XXXX credit monitoring service. I immediately contacted JPMCB and made a payment in full, including additional charges/fees. I asked JPMCB to consider the circumstances but they declined to offer relief with credit reporting resulting in the drastic credit score decline. In fact, JPMCB incorrectly entered the following in my credit file : **CONSUMER STATEMENT** DUE TO CHANGE OF ADDRESS I NEVER RECEIVED A BILL/STATEMENT. I have filed the following dispute with XXXX : VISA - Amazon primary payment method : card lost/canceled ; {$16.00} declined JPMCB - secondary ; {$16.00} charged Away from home 5 months ; no email/phone call from JPMCB/Amazon Notified delinquent by XXXX
Company Response:
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My wife and I received an unsolicited VISA credit card in the mail from Chase. When i called to verify, they insisted that she must have applied for it. When she spoke with them they were very condescending and tried to convince her that she had applied for it. When that didn't work, they then insisted that it was really a replacement card on a very old account. It is my understanding that " Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). So, most companies don't send out straight-forward unsolicited cards. But some companies try to get around the law by sending " replacement '' credit cards for accounts that are no longer active. Sending these types of cards, if unsolicited, still violates the law. '' At best, this is dishonest and deceptive practices, but I really suspect that they are creating fake accounts again in hopes of drumming up business and feel that their best chances are to bully senior citizens into accepting such.
Company Response:
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2023-05-03
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 accessing account
Consumer Complaint: I have requested several times for Chase Bank to mail me either electronic or paper copies of all available statements. They have promised to do so several times but have never followed through. I have made requests on the phone and via secure message.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A