Date Received: 2023-04-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: My wife and I were XXXX XXXX XXXX on a street in XXXX, XXXX while on vacation there the night of XX/XX/XXXX, at approximately XXXX. Both our cell phones were stolen, and the thieves hacked my cell phone, and were somehow able to get into my account. They proceeded to do a series of transactions that night and during the morning of the XXXX, while I had no way to reach Chase to block the accounts. I filed a police report that night and was able to logon with my laptop once a returned to the hotel room after midnight. I was able to cancel a large number of zelle payments they were doing. I was not able to cancel the one payment for {$500.00}. I finally reached the Chase XXXX number on the afternoon of XX/XX/XXXX and blocked the account. The thieves also performed several fraudulent transactions on my Chase XXXX credit card and on my XXXX account. I was able to have all those reversed. I'm attaching documentation that corroborates my assertion : 1. The list of messages from Chase showing my cancellation of the zelle transactions that were attempted on that same day. 2. The Chase Statement showing the fraudulent transaction ( on page 3 ) and the Chase credit card statement showing other fraudulent transactions on that same day. 3. The XXXX statement showing fraudulent transactions on that same day. 4. The police report ; it's in XXXX because this happened in XXXX, XXXX. I called Chase immediately when I saw the {$500.00} zelle transaction and filed a claim which they later denied on XX/XX/XXXX. I called them a few days later and was told to submit any additional information I had. I sent a letter on XX/XX/XXXX including the details above and they denied that as well. I followed up with XXXX separate phone calls, the last on XX/XX/XXXX, to try and get answers as to why they refused the claim. I was told it was denied because my device was used to do the transactions and there was no evidence of failed attempts or password changes from the device.
Company Response:
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. I started a dispute with JPMCB CARD and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing a JPMCB CARD account on my credit report because it is not mine and I did not open it. JPMCB has responded by sending me and the 3 credit bureaus credit card statements and my identifying information on the account in order to prove that it's mine and try and validate the debt. JPMCB sent a letter on XX/XX/. I have since started a second investigation with JPMCB and the 3 credit bureaus. I advised JPMCB that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which JPMCB does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed JPMCB and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the wrong credit limit is listed, wrong balance, wrong date opened, wrong high credit limit, and the wrong date last active are inconsistent across the three credit bureaus. I advised JPMCB and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature, it should be removed. However, they continue to end the investigation in JPMCB 's favor, even though they have not validated the debt with documentation bearing my signature.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I sent an ACH payment of {$830.00}. While the transaction was pending, Chase decided to close my account and canceled the ACH payment of {$830.00}. They said because the account was closed, they would NOT honor the transaction and would send me a check for that amount since it was deducted from my account. I have called Chase more than 30 times, and they put me on hold every time and hung up after 30 -40 min on HOLD. They sent the check to my old address, which was sent back to them. They asked me to go to the branch and update my new address so they could send the check again. I did update my address, and they didn't send me the check until now.
Company Response:
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i was never late on the payoff account with Chase home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My Debit Card was stolen in the parking lot of XXXX on XX/XX/2023. I contacted the bank immediately because of the notifications received from the bank alerting my husband that my card was used to purchase something at XXXX XXXX. I called Chase Manhattan bank immediately to report the fraud and the fact that my debit card had been stolen. I contacted the police department and he was able to obtain footage of the crime in the parking lot of XXXX. I picked up the police report and faxed the document to Chase Manhattan banks claim department. I received a credit from Chase Bank in the amount of {$5800.00} on XX/XX/XXXX, XXXX for the purchase at XXXX XXXX. I had also notified Chase of an additional withdrawal taken at the ATM from Chase bank in the amount of {$980.00} prior to the purchase at XXXX XXXX. I received a letter from Chase Bank dated XX/XX/2023 stating that I am responsible for those charges because my Pin was used. The bank disregarded the police report and did not ask for the footage of the crime clearly showing the theft in progress.
Company Response:
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was a victim of check fraud of {$1000.00} on XX/XX/XXXX. I had remote deposited the check in my savings account. When I realized that it was fraud, I went down to my branch to notify them. I never spent the money. I was told that if it happens again, my accounts will be closed. Meanwhile, both my savings and checking accounts were on hold and I had no access to my money. Both accounts were closed on XX/XX/XXXX. I had {$1300.00} in my checking account. I received a check from Chase for only {$440.00} on XX/XX/XXXX. I called the number XXXX on XX/XX/XXXX and was told that the check for {$900.00} must have been lost in the mail and another check was requested. Never received check. Called again on XX/XX/XXXX and was told a check was never issued for {$900.00} and that there were XXXX - {$300.00} checks holding up payment. The CR could not find any deposit for those XXXX checks and said he would request another check for {$900.00} be mailed. Never received a check. Called again on XX/XX/XXXX and was told a request for the {$900.00} was refused because the XXXX checks couldn't be verified. I was finally told which XXXX checks they were referring to and was able to get them verified. Was told a check would again be requested. Today is XX/XX/XXXX and still have not received my money. I have been without my money for XXXX months!
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been trying to get this late off my credit for several months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Company Response:
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I sold the XXXX XXXX XXXX to XXXX XXXX XXXX at XXXX XXXX, Michigan in XXXX. XXXX and they transfer XXXX dollars from their Chase business account to my personal Chase checking account. On XXXX. XXXX, it said the money is delivered on the dealer end but i never got it so i went to a branch ; the advisor said give it another day. Today is Tuesday, the XXXX. The money is still missing and I made my second trip to the branch and got the same response : wait.
Company Response:
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent {$500.00} via XXXX on XX/XX/2023 through Chase bank to a person, that Im now finding out, is impersonating a puppy breeder. They are harassing me and will not send back my money.
Company Response:
State: LA
Zip: 70592
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I received an email notification from JP Morgan Chase Bank that my business checking account had been overdrafted. After checking my online banking history I noticed 33 un-authorized charges made via my Chase Business Visa debit card for three retailers : XXXX, XXXX and XXXX and XXXX stores. I did not make my debit card or any of my personal information available to any other individuals for use at these stores. I went into a Chase branch and informed the banker who assisted me in calling the fraud claims department. I was informed by the Chase representative that the un-authorized charges were made using a XXXX XXXX digital wallet setup using my stolen identity and Chase Business Visa Debit Card on an unknown device ( s ). I never installed, setup, or authorized a digital wallet on any of my devices. However, the claim was denied, despite the fact that I was told that I wouldn't be responsible for fraudulent charges when I initially opened the account. Very little information was provided on why the claim was denied other than two-step electronic verification was used to create a digital wallet account using my phone number which I assume may have been cloned for this illicit purpose. On XX/XX/XXXX I filed an official police report. I own an XXXX XXXX device and provided the fraud department my specific phone and XXXX XXXX XXXX service provider information. I've never had a digital wallet setup on any of my devices. I also provided Chase with two signed and notarized affidavits explaining the fraudulent charges in detail, the police report, and a detailed list of each of the 33 fraudulent charges including dates, locations and amounts of each transaction. The unauthorized and disputed charges by XXXX, XXXX and XXXX and XXXX stores totaled {$6800.00} from XX/XX/XXXX thru XX/XX/XXXX. I have since changed my email password, my Chase online banking username and password, and canceled and replaced my Chase Business debit card.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A