Date Received: 2023-12-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I RECEIVED A OFFER FROM UNITED AIRLINES TO GET A CREDIT CARD FROM CHASE BANK JP MORGAN, MY ACCOUNT WAS BLOCKED AND MY CARD WAS CANCELLED! MY PAYMENTS WERE CURRENT AND NEVER LATE! THEY LOOKED ALL THE INFORMATION OF MY ACCOUNT SO I HAD NO ACCESS WHAT SO EVER TO MY ACCOUNT DATA! I CALL THE BANK SEVERAL TIMES AND THEY KEEP ME SWITCHING FOR DEPARTMENT TO DEPARTMENT AND NO ONE UNLOCKED MY ACCOUNT! THEY ARE VERY RUDE TO A POINT THAT I FELT FINANCIALLY ABUSED BY THIS BANK!!! I AM XXXX XXXX XXXX AND NEVER GONE THROUGH SOMETHING LIKE THAT! THE FINANCIAL INSTITUTION IS CHASE BANK JP MORGAN.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unjust Denial of Identity Theft Claim and Unreasonable Process by Chase Bank I am writing to express my deep dissatisfaction with the handling of my identity theft claim by Chase Bank. On XX/XX/XXXX, I discovered that my account was locked when my XXXX XXXX transaction was denied at a subway station due to fraudulent activity concerns. Despite confirming with a banker that the displayed transactions were legitimate, I later found 38 unauthorized charges totaling over {$9000.00}, all processed within a single day. These transactions, conducted by various XXXX XXXX recipients, ranged from {$33.00} to {$300.00}. Promptly on XX/XX/XXXX, I reported the fraudulent charges over the phone and was assured that I would not be held responsible for unauthorized transactions. However, when I followed up on XX/XX/XXXX, I was informed that the investigation was still ongoing. Shockingly, on XX/XX/XXXX, I visited the bank seeking information on the progress of my claim, only to be told that my claim was denied. The reason provided was that I had supposedly validated one of the transactions, a claim I vehemently dispute. My objections are as follows : Lack of Notification : Chase failed to inform me promptly when the case was closed and denied. According to the information I received, they claimed they were not obligated to notify me. This contradicts the assurance I received during my initial phone report that I would be kept informed of the investigation 's outcome. Unreasonable Requirement : The bank contends that if I validated even one of the 38 charges, I forfeited the right to reclaim my funds. I find this stance illogical and unjust, especially considering the circumstances. During my XXXX XXXX XXXX, I was sleep-deprived, making it highly unlikely that I intentionally validated fraudulent transactions. Ethical Concerns : At no point was I informed that my statements might be used against my claim. This is not a court proceeding ; it is a bank, and I was merely seeking access to my funds. Chase, in its commitment to protecting users from fraudulent charges, should align with its users and uphold the " Zero Liability : Get reimbursed for unauthorized debit card transactions when reported promptly '' policy as advertised on its website. Inconsistencies in Process : The claim, as per Chase 's website instructions, did not appear on the website or app, whether as an open or closed claim. This inconsistency raises questions about the transparency and reliability of the bank 's claims process. I request an immediate reevaluation of my case, considering the aforementioned circumstances. I trust that Chase will rectify this situation promptly, adhering to its commitment to protecting customers from unauthorized transactions. I also urge the bank to review and improve its claims process to ensure transparency and fair treatment of its customers. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Have a savings account with Chase Bank. I was told I would be receiving a check for the balance of the closed account ~ {$8000.00} and nothing has been received. I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this XXXX
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was a victim of a fraud in 2020, and at that time I had a checking account with chase, a job that I found online and it was not a legit company they gave me XXXX fraudulent checks and I was not event aware of that. In regards to the payment of the checks, I had resolved it, and chase still not allowed me to open a new checking account from any banks, I had been rejected from XXXX XXXX XXXX and XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My complaint is about the handling of funds in an estate account for which I am the beneficial owner. My initial contact was on XX/XX/, and to date, Chase has been unable or unwilling to distribute these funds to an active account in my name. On XX/XX/, I provided the information Chase requested : my ID, proof of my change of name through marriage, and a notarized form indicating how I wanted to receive the funds in the estate account. On XX/XX/XXXX, XXXX XXXX, the banker I had been corresponding with, informed me that they could not do a bank transfer and asked me to provide a new notarized form, which I provided on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that she thought I should have gotten a check already, and that she would get back to me. All of my correspondence with XXXX XXXX is attached. I never got another response from her or from the manager at her branch. I contacted Chase customer support on XX/XX/XXXX and was informed on XX/XX/XXXX that the XXXX XXXX team had my request and would reach out to me. I contacted them on XX/XX/XXXX and XX/XX/XXXX for an update and never got a response.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Your Company JPMCB CARD is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. JPMCB CARD XXXX
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2023 JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear JPMorgan Chase & Co. XXXX I am responding to a collection notice received from your company. I do not recognize this claim. Please provide me with written documentation to validate this purported deb, note I signed relating to this purported debt. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request hin 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : * Agreement with your client that grants you the authority to collect on this alleged debt.Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. * Any insurance claims been made by any creditor regarding this account. * Any Judgments obtained by any creditor regarding this account.Name and address of alleged creditor. * Name on file of alleged debtor. * Alleged account number. : Amount or ileger alee debtor. Date this alleged debt became payable. Date of original charge off or delinquency. * Verification that this debt was assigned or sold to collector. * Complete accounting of alleged debt. * Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Kindly suspend all further collection activity until you are able to validate the above-referenced claim. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards Thank you. I will await your reply. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Thank you. I will await your reply.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The notice XXXX sent explaining my denial is also incorrect. XXXX stated that the obligations too high relative to income. When XXXX XXXX XXXX clearly states ( a ) Except as otherwise provided in this subtitle, gross income means all XXXX from whatever source derived, including ( but not limited to ) the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, no I don't understand why you intend to steal my registered security from me when you're holding and trading it as XXXX XXXX on The XXXX XXXX XXXX XXXX. When The trusts collateral is a revolving pool of XXXX dollar-denominated XXXX and XXXX credit card receivables, generated by personal accounts, and originated or acquired by JPM Chase Bank XXXX XXXX and you choose not to XXXX me access as the proper record holder of my security in XXXX possession. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT They did not. Instead, they chose to violate XXXX XXXX XXXX XXXX. Which states : XXXX Federal Reserve XXXX XXXX make application to the local Federal Reserve XXXXXXXX for such amount of the Federal Reserve notes hereinbefore provided for as it XXXX require. Such application shall be accompanied with a tender to the local Federal Reserve XXXX of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral XXXX thus offered shall be XXXX XXXX XXXX XXXX XXXX XXXX XXXX acquired under section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of this title, or bills of exchange endorsed by a member bank XXXX XXXX Federal Reserve XXXX and purchased under the provisions of sections XXXX and XXXX to XXXX of this XXXX, or bankers acceptances purchased under the provisions of said sections XXXX and XXXX to XXXX of this XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the XXXX XXXX or any XXXX thereof, or assets that Federal Reserve banks XXXX purchase or hold under sections XXXX and XXXX to XXXX of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve XXXX shall each day notify the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which XXXX is accredited. The XXXX XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX XXXX at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Where the civil penalty supported by XXXX XXXX XXXX XXXX, is still active. Penalties totaling {$970000.00} from the initial date of denial on XX/XX/2023. So If that's the case, why do you think It's fair to violate my rights to credit?
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After noticing unknown transactions on my checking account on different dates ( XXXX ) for different amounts of {$23.00}, {$93.00}, and {$300.00}. And, on ( XXXX ) for the amount of {$23.00}. I immediately contacted my bank ( Chase Bank ) to report the fraudulent activities. I also decided to stop by the Chase Bank XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX, Independence, MO XXXX on XXXX to communicate my situation in person. Supposedly, the customer service lady at this branch reported the fraudulent activity and issued me a new debit card which I had to wait XXXX to receive. After waiting a week without receiving my debit card in the mail I decided to call the Chase Bank customer service over the phone. To my surprise, and based on what they told me, it seemed that the lady at the bank didn't make the report nor let the fraud department know about the unknown transactions. So, the lady over the phone helped me with filling out the report and issuing a new card so I had to wait longer for the card to arrive. Before receiving my new debit card in the mail, on XXXX I noticed a new unknown transaction for {$23.00}. I went back to the same bank branch to let them know about it with great frustration. The transaction showed that somebody withdrew the {$23.00} from my checking at an ATM, using a debit card PIN ( Even when my previous debit card was canceled and closed and I hadn't received my new one in the mail yet ). Neither the customer service lady nor the supervisor in turn could explain to me how this happened. At this point, it was clear to me that I was being a victim of identity theft. Eventually, I was issued a temporary credit for the 4 different amounts reported while the bank proceeded with an investigation which took almost two months. A few days later I noticed that the credit I was issued was taken back by the bank. When I contacted them, the bank told me that I needed to file a police report to get my money back. On XX/XX/2023 I filled out a police report and brought it to the same Chase branch location, where they put it on my fraud claim file. After waiting for some weeks and not getting a response to my claim, I called the fraud department again. After being connected with the Chase bank fraud department representative, I was told that even after filling a police report I wasn't going to get a credit nor my money back for the fraudulent transactions due to I had to wait for the Police, quote... '' to catch the people who committed fraud on my checking account ''. And also that my case was closed. This is a clear situation of discrimination and violation of my civil rights. Due to me not being able to communicate in English, and being my son the one who has helped me throughout this process, and based on the experience I have had with my fraud and identity theft claim I feel I was treated indiscriminately, and also targeted for going against the Chase bank interest by reporting unknown and suspicious activity. To this date, XXXX, my fraud claim is closed and the bank refuses to refund me for the fraudulent charges made to my account, causing stress and emotional damage to my person. Below, I will attach the bank statements with the dates when the fraudulent transactions were made, ( highlighted in yellow ). and, also the police report filled.
Company Response:
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A