Date Received: 2023-12-18
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: XXXX XXXX XXXX XXXX - JPMorgan Chase & Co . XXXX, Delaware, United States Please identify when you notarized the attach assignment of mortgage and identify the name and position of the XXXX witnesses and identify your location or office where you and the witnesses were when you notarized the document
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XX/XX/XXXX XXXX I called Chase Bank Collections dept and asked to speak with someone about a payment plan. I was then transferred to another agent. The call was recorded by Chase. I was asked by that agent I had been transferred to to explain my hardship. I responded that I was diagnosed with XXXX XXXX XXXX of XXXX at XXXX XXXX XXXX. My husband and I closed on our home less than a week after I was diagnosed. The student loans that we both owe became due after the government initiated forbearance for COVID-19 relief was ended recently. The HSA health plan I had ( I was otherwise completely healthy ) had an out of pocket of {$6000.00}, and we have had to pay that balance as a result of the unexpected medical bills that accumulated after my diagnosis. I had to take intermittent FMLA at work, but I still worked as much as I could during the time I was undergoing XXXX, XXXX, and XXXX. The agent indicated that there was an " application '' that I would need to complete prior to being considered for a repayment plan. I answered, to the best of my ability, indicating to the agent that I had not undergone a process like this before. He asked me for my income, which I provided to him. He asked me for a total on various bills my husband and I both pay. I then asked him if I should include my husband 's income and bills as well and was told by the agent, " I can not give you financial advice. '' After I had given him several figures, the agent put me on hold. When he returned to the call and congratulated me stating that I would be referred me to a credit counselor because my income was less than the bills my husband and I both pay. I then asked him again if we should figure my husband 's income and bills into this " application. '' He indicated that he could do that, but there was no guarantee that doing so would change the outcome. At this point I had been on the call with him for over an hour. I asked him if I could take a break and call back and redo the application adding my husband 's income and expenses a little later that day or the next and he indicated to me that I could do that. I asked him some questions about referring customers out to a credit counseling agency and was given a number to call. The number I was given was to a center that would then refer me to another center local to me. We then ended the call. I attempted to call the number I was given by the agent and it was not a good number. Later that same day at XXXX, I called Chase Bank Collections dept back after I had rested and regrouped from the first call. I had completed a spreadsheet/budget with my husband that contained our combined monthly income and expenses. This time I wrote down the XXXX 's name and Agent Number. Her name was XXXX ( XXXX ) XXXX # XXXX. The call was recorded. I explained to the best of my ability the interaction I had had earlier in the day with the first agent. This agen interrupted me no less than 5 times. She was indifferent, transactional, and dismissive. I was placed on hold after asking to redo the application to include my husband 's income and expenses. She returned to the call and stated that her supervisor had advised her that the " application '' could not be re-submitted for 30 days and I would have to call back at that time. I advised the agent that I had been given different information earlier that day, to which she replied, " you must have misunderstood. '' I then asked to speak with the supervisor. I was placed on another hold. The same agent returned to the call and advised me that we could proceed with the " application ''. After including my husband 's income and expenses with mine, I was approved for a 60 month payment plan with a significantly reduced interest rate, for which I am grateful. I am lodging this complaint because I had a vastly different experience with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I had reached out to them in hopes of establishing a repayment plan. The entire process took only 30 mins. The interaction was compassionate, handled efficiently, and professionally. I was placed on a plan repaying the debt over 60 months at a 0 % interest rate. I have attached screen shots of the interaction I had with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I apologize that the conversation is choppy in the screenshots. I hope that others experiencing the devastation of a XXXX diagnosis do not ever have to go through an experience like I did today with Chase Bank.
Company Response:
State: IN
Zip: 46052
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Are you aware of Chase 's Pay Over Time Fee and the language that they use to describe it, and the fact that they do not provide any numeric examples of the " fee. '' I can't believe this explanation is not deemed deceptive. Fees " Monthly fee of up to 1.72 % of the amount of each eligible purchase transaction or amount you select to pay over time with no interest, just a fixed monthly fee. '' Yes I am aware of the Buy Now Pay Later schemes and I am surprised that they don't run a foul of regulations, but then I learned that they do not run a foul because of a problem with the regulation, namely that there is some short-time periods to which truth in lending rules do not apply. And you let them say, " Chase Pay Over Time plan balances that have a Chase Pay Over Time Fee will not be subject to interest after plan activation. If this XXXX craziness, I don't know what is. Yes, I understand that Chase is trying to partition past charges from new charges and possibly eliminating interest on the new charges when there are still unpaid prior balances, but this just seems like a practice that is going to lead to some real abuse of admittedly financial stupid consumers. Are you going to allow insurers and others that have different premiums for annual versus monthly payments, avoid disclosures of the implicit interest rates in the monthly payment approaches? The insurers might already avoid disclosing such, but I'm pretty sure that Professor XXXX and others have criticized the insurance industry 's inadequate disclosure practices. Chase may not have needed your prior approval to send out their marketing literature, but I sure hope I'm not the first person to complain about this because the date of this old mail that I just opened, I'm pretty sure that Chase has been sending out such notices about Pay Over Time Fee for many months.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of Identity Fraud. On Thursday, XX/XX/2023 at approximately, XXXX, I received a text message from " JPMorgan Chase Bank ''. The Text stated that there was a Fraudulent charge of {$240.00} USD at a XXXX XXXX in Texas. The text prompted me to reply " 1 '' to Validate or " 2 '' to deny the transaction. I replied " 2 '' and another text stating that I would receive a phone call from JP Morgan Chase Card Lock Support. I received a call about ( XXXX ) 3 minutes claiming to be a representative for JP Morgan Chase Bank regarding the text message of the Fraudulent charges at XXXX XXXX. The caller had a valid list of my past XXXX transactions history from the account, and also verified one transaction in " real-time '' while driving. The caller asked to " Verify my Identity '' by sending me a text message with a code and to read it back to him. He then proceeded to tell me that there were several other " wire '' transfers/charges that were happening in real time of different amounts from {$5000.00} to {$10000.00} going to different accounts in different states. Then he said that since my account has been compromised, that they need to " freeze '' my current account and open up a new one and transfer money into my new account. Subsequently, they ( Wire ) transferred {$26000.00} USD to a " XXXX XXXX XXXX '' account NOT associated with my Personal JP Morgan Chase account. I have been in contact with JP Morgan Chase Bank, a Detective with the XXXX Police Department and FBI. We ( Detective of XXXX XXXX ) submitted a search warrant to the XXXX XXXX States Attorneys office for review and was Approved. The Search Warrant Concluded that there was NO account at XXXX XXXX XXXX that received the {$26000.00} and that the account provided to me by JP Morgan Chase does NOT exist.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My family member transfered her Chase reward to me years ago, so there is a link between her chase credit card and my Chase sapphire preferred card ; under Chase rule, there is only one link allow, so no one else can transfer their Chase reward points to me. I called Chase trying to break this link so others can transfer me points, but Chase said the only the original sender can call Chase and request to break the link. But the original sender called chase credit card Chase can not find her card info because she closed her Chase credit card years ago. And Chase refused to escalate or do anything to remedy the situation.
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have an business account for my medical office XXXX XXXX XXXX XXXX XXXX. in Chase bank. I wrote a check {$120.00} ( XXXX XXXX XXXX dollar XXXX/XXXX ) on XX/XX/2023 to XXXX XXXX XXXX. Some one stole the check from post office and washed out the check, changed amount to $ XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) and paid to XXXX XXXX XXXX XXXX Chase paid {$7600.00} to XXXX XXXX XXXX client ( XXXX XXXX XXXX ). I made a complaint to chase bank, but not getting my money back. Chase informed me they are waiting for XXXX XXXX XXXX to response in this matter.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: It's been almost 4 months now when I deposited a {$1500.00} third party check by chase into my own chase checking account that night ... .I waited a few days for my check to be cleared and then when it finally cleared .They decide to put a restricted hold on my account claiming fraud suspicioun. So now after I have visited more than a few chase branches and showed proof of identity from myself and third party... They still decided to not issue my money because they keep saying we need phone verification ... .So I've been calling every week for the last 3 and a half months trying to get verified and they can not verify the number but we still haven't got anywhere to this day because we can not get verification for a check that never was fraud and they know it but they won't accept physical identification for some reason which is skeptical to me... I just want the money that belongs to me in my own account ... .PLEASE HELP ME!!!!
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no
Company Response:
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened an account at c.p chase Morgan I have several claims that chase has been denying my claim saying authorized totalling approx XXXX. I supplied them with police reports. About my phone being stolen my ex roommate bring the culprit on which filed a police report twice. And chase still telling me it's authorized after supplying proof it was not me with no permission.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. JPMCB CARD Inquiry date 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 Other accounts Total balance : {$7600.00} XXXX XXXX POTENTIALLY NEGATIVE Balance {$7600.00} Balance updated XX/XX/XXXX XXXX XXXX
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A