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, someone made a purchase at XXXX 's XXXX XXXX, a cosmetics store, for {$240.00}. This should have been impossible as I was not physically at the store, or in the area, and my credit card was on me. When I called the store, they said someone came into the store and made a purchase with a physical card, so they must have cloned my card somehow. I immediately contacted my credit card company, Chase, and they cancelled my card and sent me a new one while they investigated. Today, XX/XX/2023, I received a letter from Chase saying they investigated and are denying my fraud claim because " You received benefit from this transaction. '' I have never shopped at XXXX 's XXXX 's XXXX. As a single male, I have never purchased cosmetics for myself or for anyone else. It's baffling that someone thinks I would inconvenience myself for the sake of {$240.00} in cosmetics, as I had to cancel and updated all of my online payments. I would very much appreciate your help in resolving this with reason. Thank you.
Company Response:
State: VA
Zip: 22102
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You are in Direct Violation of The Fair Credit Reporting Act [ Account Name & Number # }, has violated several of my rights. 15 U.S.C1681 section 602 A. Clearly states that i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instuctions 15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under a open- end consumer credit plan as late for any purpose. Remove these late payments and update all theses accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act }
Company Response:
State: TX
Zip: 76504
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: ( 1 ) I have been a long time customer of Chase and have both a checking and savings account. ( 2 ) In XXXX I received an email from Chase offering me a {$2000.00} bonus if I opened a brokerage account and deposited {$250000.00}. ( 3 ) I moved funds from my XXXX account in order to receive the bonus. ( 4 ) I went into my Chase branch in order to sign up for the bonus and the representative insisted that I open a second checking account in addition to opening the brokerage account. I did not want to open the second checking account since my original checking account is not only linked to one of my employers for direct deposit, but also tied to several external investment accounts so it is not something I can readily change. ( 5 ) The representative assured me the opening of the second checking account was just a formality. ( 6 ) I was eligible to receive the bonus after 40 days and on XX/XX/2023, I received an email from Chase stating me that I had satisfied the requirements for the bonus and that the money would be deposited into my checking account. ( 7 ) The {$2000.00} bonus never showed up in my account. ( 8 ) Chase claims that they deposited the {$2000.00} into the second checking account, however, Chase had closed the second checking account on XX/XX/2023, without any notice to me. ( 9 ) Chases position is that it deposited the bonus into a closed account. ( 10 ) Chase can not provide any explanation as to why it did not simply deposit the bonus into my long standing active checking account. ( 11 ) It has now been over 2 weeks and still no resolution from Chase. ( 12 ) This appears to be a classic bait & switch scheme.
Company Response:
State: CA
Zip: 94118
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: 2023-05-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a promotion from JP Morgan Chase to open a checking/savings account with the prospect of earning a promotional incentive of {$900.00} if I funded the accounts in a timely manner with sufficient new deposits and set up automatic payroll. I have two complaints which arose from two distinct, but related issues : 1 ) After opening both accounts in XX/XX/2023, I tried to fund them using the Chase external account transfer tool utilizing ACH and to qualify for the promotion. My external account from my local credit union was successfully linked to both accounts for transfer. However, any transfer I enacted was " auto-rejected by the system '' ( so a Chase customer rep ). No coherent reason was ever given. I was told to add a short memo ( like " Transfer from ext. acct. '' ) to ensure that Chase would accept the transfer of funds into my accounts. To no avail. What is particularly baffling is that the same credit union account has been linked to my Chase credit card for a decade or so- with no problems for ACH transfers. After talking to Chase customer reps on three different occasions, I was advised to fund the accounts either by scanning and submitting personal checks ( which I did in the amount of {$7800.00} for both, just to find out that the monthly maximum for online deposit checks was set below what I was supposed to deposit to qualify for the promotion by Chase ), presenting myself to a Chase branch ( not an option - the next branch location is several hours away from me ), wiring the funds ( too costly from my credit union account, free services like XXXX had a monthly wiring limit which is too low for the promotion ). In other words, Chase made it impossible or too expensive to fund the accounts in a way that would have allowed me to qualify for the promotion of {$900.00}. Why funds from my credit union account were auto-rejected by Chase is a good question for further investigation. Could it be that Chase has seen a lot of fraud from the general area I live in and just auto-rejects fund transfers from such localities " by principle? '' 2 ) After I realized that Chase put up unreasonable obstacles to transfer funds into my savings/checking accounts, I called Chase to close both accounts. Chase confirmed my closure request on XX/XX/XXXX by mail. The letters I received from Chase instructed, however, that since there were positive balances on the accounts, the closing might take longer than 7 days ( one letter is attached below ). On XX/XX/XXXX I finally received a Cashier 's check over the amount I had on deposit in my checking account with Chase ( {$3300.00} ). However, the savings account is still reported as " closure pending '' ( so the Chase rep ) as of today. I inquired three times by now when this status would change and how long I would have to wait for my funds. The Chase rep was not able to give me the requested information and insisted that there would be nothing they could do on their side until the " pending '' status was lifted. They had no control over how and when this lift would happen and why the account closure was still listed as pending. The only thing I could do would be to visit a Chase branch ( not a possibility- the next one is hours away ). I requested the closure of my savings account at the same time as I requested the closure of my checking account. In two days more than four weeks will have passed that Chase has not returned my funds on this savings account in the amount of {$4500.00}. This is completely unreasonable, especially because no explicit reason for this delay was ever given.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: CHASE BANK has serious security breaches and has repeatedly allowed fraudulent withdrawals from four different checking accounts. In XXXX, my driver 's license was stolen and used by someone in the XXXX ( XXXX XXXX in XXXX ) to withdraw money from my checking account. That original account was closed by CHASE and a new one opened. Despite " alerts '' Chase claims it put into my account information, the new account was also robbed, so a third account was opened, and the same thing happened. The total funds fraudulently withdrawn from three different branches in the XXXX amounted to {$6000.00}. This money was eventually refunded when my claim was validated. HOWEVER, the story continues. In XXXX, a friend died and as co-executor of her estate, the other executor and I opened an ESTATE ACCOUNT in the dead woman 's name at Chase, to be used ONLY for distributing the funds to her beneficiaries. In XXXX, XXXX, someone obtained the number of that account and fraudulently withdrew {$1900.00} from yet another Chase branch in the XXXX, forging my signature on a withdrawal slip. This was their only ID, since I had cancelled the ATM card after the first robbery. It is shocking to me that someone at CHASE is providing numbers of NEW ACCOUNTS to thieves. What can your agency do about this horrifying breach of security?
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: its been over 2 years since chase has placed a hold on my account and everything is changing every time i call. they tell me something different. they also told me i need to bring the maker to the bank. the deposit was never return it was never fraud nothing. i called today and its still the same thing.
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit report states I had Late payments in XXXX & XX/XX/2020. My payments were deferred at this time were deferred due to the COVID-19 emergency. This is the only time my payments have ever been late.
Company Response:
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, my wallet and phone were stolen from my vehicle. There is a police report with my local PD made on this situation. There was XXXX taken out of my account and made to XXXX XXXX sports book, the merchant is refusing to give me a refund and chase bank is not deciding in my favor as of now.
Company Response:
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX while I was home in XXXX NY someone who had intercepted my debit card and researched my mobile carrier info went into a XXXX store in XXXX CT pretending to be me. They requested an E-SIM card transfer from my phone to their phone. XXXX XXXX was the representative helping them and sent out a text message request for me to authorize this transfer. I did not see the message and never replied to it. She authorized the transfer anyways. This exact sequence of events is documented and I have the memos given to me from another XXXX store front. Once this person had my E-SIM card and debit card they were able to find my information in my phone to use my card. They spent thousands at an XXXX XXXX in XXXX XXXX CT, XXXX XXXX XXXX in XXXX XXXX, took out thousands at ATM ( s ), and CBP transferred thousands. I did not receive any fraud text as my E-SIM card was stolen, and chase allowed {$29000.00} to leave my account in hours. I called in to file a claim on all the fraudulent activity, to which Chase declined. First they said due to their being too many claims on one account they denied my refund. Then they said that because they found my card PIN they assume it was me and nothing can be done. I filed a police report the day after the incident and before I could finish explaining what happened the police officer already asked if I had XXXX XXXX XXXX also said there are thousands of cases like this, and that XXXX will not cooperate to find anyone. In an attempt to reopen Chases investigation I faxed in all the memos proving I was XXXX swapped, a copy of the police report, a hand written letter explaining what Im explaining here, and a letter from the detective attesting to what Im saying. They denied that as well. All I would like is for my money to be returned to me at any capacity.
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1. On XX/XX/23 my Chase checking account/Visa debit was charged a total of {$1000.00}. This was in the form of 3 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. The 1st charge was sent at XXXX XXXX. The 2nd at XXXX XXXX. The third at XXXX XXXX. These charges were not authorized. 2. On XX/XX/23 I noticed the charges as pending when checking my Chase account. I called the Chase Customer Claims department at XXXX to report the charges as unauthorized/fraud. A fraud claim was opened with Chase under claim number XXXX. My Visa debit card was cancelled and a new one was issued. 3. On XX/XX/23 Chase issued a temporary credit of {$1000.00} to my account while they did their investigations. 4. On XX/XX/23 Chase finalized my fraud claim stating the charges were found to be authorized and reversed the credit of {$1000.00}. 5. On XX/XX/23 the three charges of {$350.00} were rebilled to my Chase checking account removing the total of {$1000.00} from my available funds. 6. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to see what documents or items I could send to reverse their decision and show the charges were fraudulent. They were going to relook at my claim and contact me. 7. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire where the claim was and if they had reversed their decision. I also faxed them a letter from the Chase Fraud department showing that other charges from XXXX from XXXX XXXX were confirmed to be fraud. 8. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire if they received my faxed documents. The agent stated they had and that my claim was still denied. I asked if the Chase Fraud Department found the charges to be fraud from XXXX XXXX, then why did the Chase Customer Claims not find them to be fraud. The agent stated they couldn't tell me and all they could do was send me the information that was sent to them from XXXX XXXX. At this point I have spent over 2 months trying to get the {$1000.00} refunded back to my Chase checking account. The Chase Fraud team found the charges to my Chase credit card from XXXX XXXX as fraud. There is no reason that Chase continues to refuse to do a permanent refund of {$1000.00} to my Chase checking account.
Company Response:
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A