Date Received: 2023-04-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. JPMCB XXXX XXXXXXXX
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage through XXXX XXXXXXXX Mortgage. Last year ( XXXX ) was my first full year with the loan. On about XXXX of XXXX, I received a supplemental check from my escrow account in the amount of {$3700.00}. It came just in time to pay off my supplemental tax bill. By XXXX ( XXXX ), I got a letter with my mortgage statement stating there was a {$3700.00} deficit in my escrow account. Because of the deficit, they caused by sending a supplemental check, they added {$600.00} per month to my mortgage payment. I'm already paying {$5000.00} per month, another {$600.00} per month will break me financially. When I do the math, {$600.00} per month at the end of the year is {$7200.00}. If they are short {$3700.00}, why are they charging me almost double to recover the deficit? In XXXX, I called and spoke to a customer service representative from XXXX XXXXXXXX Mortgage. I stated I wanted to take over my impound account and I will continue to pay them their principle and interest only. I was directed to write a letter to the administration building in New Jersey, explaining my concerns, which I did. My response came in late XXXX ( XXXX ) stating my request to take over my impound account was denied. I again called customer service from XXXX XXXX Mortgage to ask why I was denied when they are still getting their principle and interest. The representative told me my mortgage was sold to an investor, J.P. Morgan Chase, trust. They are the ones who are denying my request because the original loan contract had an impound account. I have spoken to many loan agents who work in the field of mortgages, and they all said this is a common request to take over your own impound account. They couldn't give me a reasonable answer as to why I was denied. Also, the consensus was that adding {$600.00} per month to my mortgage payment, was extremely high. I simply don't trust them handling my impound account. Please help me before I slowly lose everything because of their mismanagement of my funds.
Company Response:
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have reach Chase multiple times and no one seem to care or willing to help. In XXXX a charge was made to my credit card for {$3400.00}. I called XXXX and they were able to cancel the hotel room but not the airfare. Which meant that I was only going to be charge XXXX. Chase still charging me {$3400.00} that I consider fraud in Chase part. I have been getting late fees and interest charge of {$73.00}. They are charging me {$3400.00} plus interest charge of {$73.00} thats fraud. No one in Chase cooperate office care. I have send emails that XXXX send me and no one cares. Chase needs to fix this issues and rectify the interest charges as well as late fees since every time I speak with someone they say this is under investigation. Chase is just stealing money at this point.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Vehicle registration paperwork has been in limbo since XXXX. Have not been able to register vehicle and not able XXXX XXXX vehicle because of this. Late and missing payments due to loss of hours at work and recently suffered a work related injury resulting in partial amputation on left hand. Chase has not resolved the XXXX registration issue and not willing to work with me about payment options. Most recently a payment which would have kept me from going beyond XXXX late has been returned, forcing me into full payment of remaining balance or repossession of vehicle. Chase claims to be mailing paperwork but I have yet to see anything since XXXX of XXXX. And messages they claim to have left have not been received due to callers not identifying themselves as part of Chase Bank. Please Help.
Company Response:
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. After signing an agreement I was asked to send the money for the security deposit through XXXX which is connected to my Chase bank account. I sent four separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using XXXX through Chase. Two weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I immediately contacted Chase and spoke to two reps including a supervisor. The first rep said they will file a claim with XXXX which they claimed they would submit, however both the first rep and supervisor said they can not do anything else and will not return the funds to my account since I authorized the payments through XXXX ( despite having used the service via Chase ) and had no recovery rights and referred me back to XXXX. I was then directed from XXXX back to Chase 's fraud department and spoke to a third rep who took all of the information I had to give and directed me to consumer protection, who referred me back to the fraud department. The fifth rep I spoke to then said they would be sending my claim to XXXX on the next business day reiterating that's all they could do. Less than 24 hours later I received a notice from Chase stating no action would be taken and they closed my claim. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Chase has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations by refusing to take responsibility and blame the " third party service '' they directly promote and make available. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed from XX/XX/2022, and they replied that they would write a check for my funds within 10 days, but it has been half a year, and every time I contact them, they perfunctorily make me wait indefinitely.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A fraudulent XXXX transaction for XXXX USD appeared on my Chase checking account on XX/XX/2023. I filed for fraud with Chase on XX/XX/XXXX, and was given a temporary credit of XXXX to my account. The claim was then denied, and the XXXX credit was reversed on XX/XX/XXXX. I called Chase fraud center on XX/XX/XXXX to ask why, and they said it was because they had no evidence to suggest it was fraud, end of story.
Company Response:
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX ( Washington Mutual Bank ), filed Bankruptcy XXXX, FDIC became Receiver, JP Morgan Chase became Servicer of Loan XXXX until XXXX, whereas they sold servicing rights to XXXX. Per Chase they are not the investors. Per Record of Deeds of XXXX XXXX of Illinois it shows an Assignment of Mortgage ( XXXX, XXXX, as Trustee, in trust for registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXXXXXX XXXX JPMC ( JP Morgan Chase Bank ) is the owner of the account, ) Per Chase Bankruptcy Dept, Chase shows as Investor since XXXX, 1st JP Morgan Chase only became Servicer as of XXXX, They didn't Repurchase Mortgage, after XXXX XXXX Canceled all Securitized Mortgage back BondsXXXX, and making XXXX XXXX XXXX, the Trustee over Washington Mutual Bank, after reorganization by the XXXX XXXX Team There are no more Bonds only stocks, Because these Bonds were Insured by XXXX XXXX They then Sued FDIC XXXX JP Morgan Chase Bank , Washington Mutual Bank , whereas they told the court they were affected by the Bonds that was written off by Washington Mutual Bank before XXXX, XXXX XXXX was awarded over XXXX, finalized XXXX XXXX But for some reason there remains an Assignment of mortgage Via XXXX XXXX. Trustee for XXXX , ( AKA JPMC ), again I stress there is no Mortgage from JP Morgan Chase Bank , or XXXX XXXX XXXX Trustee, per XXXX, there is no Mortgage on our account, per letter dated XXXX from Executive Office ( Mail Code XXXX ) stating that Note Originated XXXX, and that it was with Washington Mutual Bank XXXX and the FDIC was the Receiver as of XXXX, But Per XXXX mortgage servicer as of XXXX, XXXX, XXXX, as Trustee, in trust for registered Holders of WaMu Asset-Backed Certificates WaMu XXXX XXXX Per Assignment of Mortgage added by JP Morgan Chase Bank- ( JPMC ) added on XXXX XXXX the owner of the account is provided below : Attention : Agency and Trust ( XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXXXXXX. XXXX XXXX NY XXXX Which was after Washington Mutual Bank Bankruptcy Case ( XXXX ) Making XXXX XXXX XXXX the Trustee over Washington Mutual Bank, after several law suits it was determined that after Washington mutual Bankruptcy since JP Morgan Chase did not Repurchase the Notes, and the ( RMBSL was written off ) that our Account belongs to the Receiver FDIC,, Per document received from JP Morgan Chase Bank on XXXX. There is No Mortgage in XXXX and There is No Mortgage with JP Morgan Bank and there is No Mortgage with XXXX and there is A Mortgage with Washington Mutual Bank. This Assignment of Mortgage that was added to our Records Of Deeds we feel it was either added in error, or without advising Borrower of a change in Investor, or fraudelent, if there is a Change in Investor Please Supply, if Not Please remove Assignment of Mortgage from XXXX XXXX. Trustee
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: We are an export company based in XXXX. We write to you regarding a recent incident wherein our client based in XXXX informed us that our name and emails were fraudulently used, to defraud/ phish them. The incident in question relates to a transaction between XXXX XXXX XXXX based in XXXX, XXXX, and XXXX, XXXX XXXX XXXX. XXXX XXXX, based out of XXXX XXXX. We had sent a XXXX XXXX XXXX. XXXX XXXX XXXXXXXX to our client against goods ordered for export from XXXX and remittance of funds ( a copy is enclosed ). Our client, XXXX XXXX XXXX of XXXX XXXX XXXX, in the previous week informed us that the funds were transferred, however after investigating with our bankers and sending tracers out, we realized that the funds never reached our account and were infact sent to an anonymous Cyber Crime Assailant in USA, claiming to be us. In a clear attempt to defraud our client, these cyber criminals have misappropriated our good name and seem to have set up an account in JP Morgan Chase Bank in Texas, USA, falsely and illegally using our name and credentials. Furthermore, they have spoofed our XXXX and created a fraudulent XXXX XXXX. XXXX dt. XXXX with completely fraudulent account details of the assailant in Texas, USA ( the fraudulent XXXX is enclosed ) Further, we understand that our client transferred funds to the assailants bank account at JP Morgan Chase Bank in Texas, USA ( a copy of the transfer is enclosed ). It appears that the assailant has opened a fraudulent account in our name. We would like to categorically state that we do not hold ANY bank account outside XXXX, as this is against the laws of our country. We are also perplexed and astonished as to how a reputable bank in America could open a bank account with such flimsy credentials and details. Further upon perusing the emails forwarded by our client XXXX XXXX, it appears that someone has decided to spoof our conversations with the explicit intent to defraud our client. It appears that the assailant copied from our original mail and then resent the emails to our client abroad from this fraudulent email id. However, on XX/XX/2023 it appears our client received a completely fraudulent email to bait / phish him to transfer more money into the fraudulent account. ( A copy of the email is enclosed ). The spoofed email ids used to impersonate us and deceive our client are as under : Our Original Email ID Spoofed / Phishing Email ID XXXX XXXX As can be seen above, this quite troubling, as it is a case of Fraud, Identity Theft, Misappropriation of Personal information / credentials, and Misrepresentation with criminal intent. We therefore request you to kindly register the matter and inform the relevant international authorities / cyber-crime departments, so the persons perpetrating the above illegal acts are stopped and our clients funds are returned and further they are prevented from committing any further crimes. It appears, at this stage, only the above-mentioned client has been targeted, but we fear that the perpetrators of this criminal act may continue to misappropriate our Identity, to target others as well. We have previously taken steps to safeguard our domain and set up XXXX, XXXX, XXXX. We also request that you kindly advise us as to what further steps we XXXX take, to protect ourselves and our clients. We look forward to hearing from you.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XXXX. I have a mortgage through XXXX XXXX XXXX. XXXX. I pay the monthly mortgage payments by automatic payments through Chase Bank ( through my checking account ) XXXX. I was informed by XXXX XXXX XXXX in XXXX that my monthly mortgage payment amount had increased to XXXX something dollars. XXXX. In early XXXX I went to the Chase website 's automatic pay option and changed the monthly mortgage payment amount to what XXXX XXXX XXXX had stated. This was submitted and accepted by Chase. XXXX. The new amount of XXXX something dollars was paid out to XXXX XXXX XXXX by Chase. XXXX. However, Chase also paid out the old amount of XXXX something dollars to XXXX XXXX XXXX on XX/XX/XXXX. XXXX. I contacted the customer service to help correct this situation. I spoke to a customer service representative and then to the claims department supervisor XXXX. XXXX. They stated that there was " NOTHING '' that Chase could do. XXXX. Chase also stated that it was MY RESPONSIBILITY to contact the " merchant '' aka XXXX XXXX XXXX to get my XXXX something dollars back. XXXX. I find this totally unfair that I have to correct an obvious mistake which was made by the Chase Bank and NOT BY ME. XXXX. I informed XXXX that I will escalate this issue by writing to you. XXXX. The only corrective action that is acceptable to me at this time is that the CHASE bank get my hard earned money back and put it back into my checking account. XXXX. Again I WILL NOT and SHOULD NOT be penalized for an obvious screw up made by Chase bank.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A