Date Received: 2023-03-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 my bank account ending in XXXX was fraudulently used for multiple transactions resulting in {$9300.00} stolen from my account. The transactions were made from a casino called XXXX in XXXX XXXX, Florida. I live in XXXX, WA and have never been to Florida personally. I immediately contacted JP Morgan Chase Bank to inform them that my account was being fraudulently used and filed a fraud claim and lock my debit card so that more money couldn't be stolen. I also checked my online banking and saw that the fraudsters were able to change my address to somewhere in Florida. I immediately changed it back and had Chase lock my online account so that nobody could make changes until I visited a Chase Bank branch in person. I also informed them that I still had my debit card and I used it that night at a local XXXX restaurant XXXX located in XXXX, WA. I was told by Chase that they were able to make a duplicate card and used my pin number to steal the funds from my account. Unfortunately, they have denied my claim as of yesterday XX/XX/2023.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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: Using Chase 's XXXX XXXX portal, I booked a hotel room for XX/XX/XXXX. I attempted to book this and a rental car with their travel specialist, but she tried to reserve a vehicle in XXXX, XXXX instead of XXXX, NJ, which is over 500 miles away. I reserved and paid for a specific room type under ID XXXX. When I arrived at the property, I was given a substandard room with the notification it was what Chase had reserved. Calling Chase ( 1.5 hours on hold ) they blamed their third party vendor, XXXX, or XXXX, and the property manager indicated this specific mistake is a common occurrence with Chase. It was over 3 hours before we were able to get the room I paid for, which I only got because Supervisor XXXX, XXXX said I would need to pay the room charge out of pocket and seek reimbursement. I did this, even though I wanted to cancel the room at this point. I could not because this reservation was non-refundable, and there were no other rooms for rent within 35 miles. Chase opened a case and on XX/XX/XXXX XXXX XXXX indicated that the refund would be issued in the form of points with the same cash value within 48 hours. After 48 hours without this refund, I called in and was told that now it will be 1 - 2 billing cycles, which is not acceptable, nor in line with the email I received with 24 - 48 hours for deposit. Chase opened a case for
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like JPMCB I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....
Company Response:
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX. I was contacted first by someone claiming to be a process server. They stated I was being sued in civil court regarding a Chase credit card, which Ive never had. He gave me a number to call XXXX who stated the same information. Claiming they were going to put a lien against my new vehicle. My concern is they were able to tell me the last 4 digits of my social security number, the make, model and year of my current vehicle, my current address and a previous address.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: First, I have banked with chase since XXXX, and have had checking, savings and credit cards through chase. I didnt run into financial trouble until the past year. I didnt realize how TERRIBLE their fees are. How can you run a bank and be willing to take so much money not just me but a huge number of customers? We all have trouble and have to go negative but with chase if they would just let it sit negative until we get paid I wouldnt be complaining. They have made it so hard for me to get caught up just because of the fees. For example, in the statement from XXXX XXXX XXXX XXXXXX/XX/XXXX chase charged overdraft fees of {$810.00} and refunded me ONLY {$100.00}. The statement the month prior, {$92.00} on over draft fees, that was Never refunded. The statement from XXXX to XXXX, they Charged me {$370.00} in fees NONE refunded.I can keep going but I think that hopefully gets the point.. I also have some things to say about the credit cards I have with chase. I have the proof showing the past 4 months I couldnt pay the see I had to It was getting too high but I still paid some, they closed my card. The other card I have, no late payments, and on auto pay they closed that roo. Im struggling financially from chase taking fees from me its not right.
Company Response:
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXXXXXX XXXX XXXX I logged on to the XXXXXXXX XXXX web site and initiated a payment through their bill payment service to my JP Morgan Chase credit card for {$1300.00}. According to the web site statement data for XXXXXXXX XXXX this amount was deducted from my account and was sent to my JP Morgan Chase credit card account as a payment. However in XXXX of XXXX I received my statement from JP Morgan Chase for that same credit card I paid through the XXXXXXXX XXXX payment portal. According to JP Morgan Chase, they did not receive a payment and were charging me late fees, interest and stating that I still owed the {$1300.00} already deducted from XXXX XXXX to pay them. I contacted JP Morgan Chase and was told that they did not have record of receiving my payment and while they would temporarily reverse the late fees, interest charge and principle owed, I needed to contact XXXX XXXX and have them send by FAX a transmittal report showing the payment from XXXXXXXX XXXX to JP Morgan Chase for my account on XXXX XXXXXXXX XXXX for the amount of {$1300.00} which would provide JP Morgan Chase the account information the payment was made from and the account that it was delivered to ( them ) in order to locate the missing funds. JP Morgan Chase was then provided several documents from my XXXXXXXX XXXX statements showing the payment amount, the XXXX XXXX account number and their ( JP Morgan Chase ) account information as the recipient. However, I was told by JP Morgan Chase that this information was insufficient for them to identify and track the payment and that they needed a transmittal report bank to bank and that no other information would relieve me of owning the debt as I could not otherwise prove payment had already been made. I have since called XXXXXXXX XXXX 7 times ( and while being hung up on three of those times ) succeeded in speaking to a live representative on the other occasions. Finally on XX/XX/, after once again explaining to the representative what a transmittal report was and why I needed them to send it to JP Morgan Chase and myself, the representative ( who was uncertain how to handle the request ) elevated my request to her tier 2 representative who began to initiate a dispute. However I again explained to the second representative that I did not need a dispute opened to my knowledge but instead needed someone in the bank with the ability, knowledge and access level to find and fax the transmittal report to JP Morgan Chase. After a lengthy call, I was informed that they had noted my account and placed a request to have a manager call me, which I requested to be done on this upcoming Friday as I would be at work and unavailable to speak with a manager in private at any length until I that time. However, yesterday ( XXXX XXXX XXXX ) I returned home from work to find a message from a XXXXXXXX XXXX representative who had called and simply stated to call him back with no phone number or name associated. Today, XX/XX/, I worked from home in order to be able to make this call back. And after an hour was finally elevated to a manager who would only identify as " XXXX '' who advised me that my account had been commented yesterday with information stating that the XXXXXXXX XXXX would not or could not provide a transmittal report and because the " dispute '' was closed and confirmed that the funds had been removed from my account with them ( to where I have no idea now ), they considered the matter closed and would take no additional action. I again explained to " Autumn '' the situation and she offered to mail my ( via the USPS ) a statement showing the funds withdrawn from my account but this is not the transmittal report that JP Morgan Chase insists is the only " proof '' they are seeking to show I made payment and that unless I provide a transmittal report I will be stuck repaying the same amount second time, having to pay interest, having to pay late fees and having my APR jacked up to almost 30 %. Since this initial complaint against both XXXXXXXX XXXX and JP Morgan Chase, XXXXXXXX XXXX has confirmed that my payment transaction was completed to JP Morgan Chase. It therefore appears that JP Morgan Chase did in fact " lose '' or misallocated the funds to where I do not know nor do I have the ability to find out. However, as I have already paid in full and on time, JP Morgan Chase has no cause to continue to demand repayment again, as well as charge interest, raise the rates on my credit card, charge fees or take any other adverse action. From the response noted below, JP Morgan Chase is in error and should work internally to follow their processes to locate the " lost '' funds that they admit they are unable to locate and resolve this without adverse effect to me, my account or my credit report. The contents of the response from XXXX XXXX are as follows : " We received your request for assistance filed with the Consumer Financial Protection Bureau ( CFPB ) regarding a XXXXXXXX XXXX XXXX. We are committed to the products and services we provide. More importantly, we are committed to the customers we serve each and every day, and we value the opportunity to address your concerns. We apologize for any inconvenience you may have experienced, any delay in resolving this issue, as well as any disconnected calls you experienced while trying to reach our call center regarding this matter. We have a high standard for customer service and your expectations should have been met. Additionally, we apologize for our calls to you being attempted during your working hours. We have reviewed our records and confirmed a card-to-bank Automated Clearing House ( ACH ) transfer was made to JP Morgan Chase Bank on XX/XX/XXXX in the amount of {$1300.00}. We can confirm agents provided correct information about a transmittal report not being available and the dispute was closed per your request. Please know, the trace number for the transfer is XXXX. You will need to contact JP Morgan Chase Bank directly with the trace number to determine where the bank deposited the funds. Unfortunately, we are unable to cancel the transfer or reclaim the funds from our end. In addition, regarding your concerns related to fees, Annual Percentage Rate ( APR ) rate, and additional issues with JP Morgan Chase Bank, we recommend contacting them directly as this is outside our purview. We are sorry that your experience with XXXX XXXX has not met your expectations, but we are hopeful we have addressed your concerns. For standard account inquiries, please contact the call center at XXXX should you have further questions or concerns. Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX cc : CFPB XXXX ''
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: On XX/XX/XXXX, I placed an order with XXXX. When it arrived, I informed the company that the product was not as advertised. The product was advertised as a 1.5 ct diamond bracelet, G quality, XXXX. When I contacted them, they said it was that quality, and I showed different diamonds I own with XXXX certs in comparison. They refused to acknowledge, so I took it to a jeweler to get appraised. The appraisal came back as I color, SI1-2 quality. The company still refused to do anything, so I took it up with Chase and presented all the information for the dispute. Chase finally wrote back XXXX saying they sided with the company and to give them a second opinion. I was out of the country at this point, but I had already provided the second opinion, an official appraisal, when I created the dispute. I called again on XXXX and they said I must return the bracelet because I can not have both the money returned and the bracelet in my possession ( despite the company not accepting my return for a refund ), so I sent the bracelet back. It was received on XX/XX/XXXX. I called and provided more information, and again today on XX/XX/XXXX. They now said it is " too late '' and they can not do anything about the dispute. I now have NO bracelet and NO money and I am out the money for the bracelet plus the appraisal money. Chase will no longer assist. This is fraud. I was defrauded from the first step and abandoned along the way. My bank did not offer fraud protection and I was let down severely.
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 I withdrew {$60.00} from a Chase Bank ATM at the XXXX XXXX XXXX, XXXX, CA location. I checked my account a few days later and saw an additional {$900.00} missing from my checking account. There were 3 additional transactions, {$400.00}, {$400.00}, {$100.00} that were not made by me. I filed a claim with Chase ' fraud department and was later denied reimbursement claiming that since the ATM code was entered, it was a legitimate transaction. They refuse to look at ATM camera footage that shows I did not withdraw the money. I followed up with the branch manager she confirmed it is a major problem at her location and to file a police report with XXXX and she will help reopen the claim. It was denied a 2nd time. A few weeks later after my claim denial a news report came out about that same location and other customers who have had the same experience. Criminals are using a flaw in Chase 's ATM chip scan feature to capture customer information and steal money from our accounts. XXXX XXXX XXXXXXXX I have filed my claim with Chase and it has been reopened and closed 4 times. I have yet to be reimbursed and other victims advised me to follow up here.
Company Response:
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went in the bank XX/XX/2023 and asked if I transferred money to another account within chase and it was fraud, would I be able to get my funds back. I was told yes by a banker and a teller. On XX/XX/2023 I discovered it was fraud and called my bank and was told to go to the branch. I went to the branch and they told me to call. I spoke with another representative who told me because I withdrew the money, they couldn't dispute it although it was sent to a fraudulent account.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A