Date Received: 2023-12-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I'm going through a finanical hardship and they keep calling my house number when i told them they needed to call the debt people and i had given them the phone number to the people to call.
Company Response:
State: CT
Zip: 06484
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a card that was sent to me 5 times within 3 weeks through mail from Chase. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. XXXX XXXX : Reference number XXXX : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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/, a credit charge in the amount of {$1700.00} was placed on my Chase card ending in XXXX by XXXX XXXX XXXX. I have never been on board this cruise and did not authorize this charge. Furthermore, I did not authorize anyone else to use my card. Following failed attempts to resolve the issue directly with XXXX, I contacted Chase Card Services on XX/XX/, and initiated a dispute of the transaction. As of XX/XX/, this matter remains unresolved. I do not believe that Chase Fraud Department has conducted a thorough investigation of this matter i.e. on XX/XX/, I received a telephone call from a member of Chase Fraud department who advised me to submit a written statement regarding the disputed transaction for review, however instead of awaiting receipt of the requested document at the end of the telephone call the representative informed me that she was closing the dispute. She further stated that once I obtain the requested information that I should contact the Fraud Department to have the disputed claim re-opened. Closing a claim or case on the date of requesting additional information is nonsensical. Considering this action, it appears that Chase Fraud department prioritize closing disputes instead of actually investigating and resolving them. On Saturday XX/XX/, I was at a theme park with my family and friends, and prior to getting on one of the parks ride, I gave my belongings to someone to hold. It was not until the next day that I realized that I did not have my credit card and I contacted the person whom was in possession of it at the theme park the previous day. The person informed me of their location for me to retrieve my card. Despite my attempt, I was not able to get to the person before they boarded the XXXX XXXX. I submitted a copy of text message exchanges between that person and myself to Chase wherein I informed the person that I was en route to retrieve my card but stuck in traffic. Ultimately and unfortunately, I did not make it to the cruise port prior to the departure of the cruise ship and thus unable to retrieve my card. Meanwhile on the cruise, my cards along with other important documents were placed inside of the safe of the assigned cabin, this was followed by a room change. Several hours after the room change, a member of the cruise staff brought the items that were left behind in the safe of the originally assigned room including my card to the new room. All of the credit and retail credit cards in the possession of the person whom had my card were later found to have been compromised. Large sums of money were charged onboard the XXXX XXXX. XXXX informed me that they have a policy that includes 100 % identification check with credit card use. I question this policy considering that I was not onboard the cruise. Chase received proof that a room change occurred and signed sworn statements from myself and the person in possession of my card that the transactions were unauthorized and therefore fraudulent. In spite of this as well as Chase banks XXXX liability fraud protection guaranteeing 100 % reimbursement on any unauthorized transactions, Chase has found me liable for the charges made on the XXXX XXXX XXXX and I can not determine how they arrived at that conclusion, when I requested this information, they sent me a copy of the bill that XXXX XXXX provided them. The bill does not have my name or signature on it. The bill proves nothing, which is seemingly enough evidence for chase to find that liability rest with me. Prior to the application of the {$1700.00} charges from XXXX XXXX my Chase account had a XXXX balance. Without notifying me, Chase has added late fees and interest rate bringing the balance to {$1800.00} in addition to reporting my account as delinquent. They led me to believe that the charges were suspended while under investigation. I am now forced to repay unauthorized fraudulent charges. I last spoke with Chase Bank regarding this matter on XXXX XXXX XXXX wherein they promised to contact me within 2-3 business days. As of XX/XX/2023 they have not contacted me.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I CONTACTED JP MORGAN CHASE CLAIMS DEPT ON XXXX TO REPORT FRAUDULENT UNAUTHORIZED SUSPICIOUS ACTIVITY ON MY DEBIT CARD ENDING IN XXXX FROM MULTIPLE COMPANIES ALL WITHIN THE SAME TIME FRAME FROM THE FOLLOWING MERCHANTS BED BATH BEYOND FOR {$190.00} ON XXXX, XXXX XXXX {$96.00} ON XXXX, XXXX {$36.00} ON XXXX, XXXX {$65.00} ON XXXX FOR A TOTAL AMOUNT OF {$380.00}. JP MORGAN STATED THEY WOULD INVESTIGATE MY CLAIMS AND ISSUED A PROVISIONAL CREDIT FOR THE ITEMS MENTIONED ON XXXX CLAIM # XXXX. HOWEVER ON XXXX THEY STATED THAT I AUTHORIZED THESE TRANSACTIONS AND THAT THEY WOULD BE REMOVING THE CREDITS ON XXXX AND XXXX LEAVING MY CHECKING ACCOUNT IN THE NEGATIVES STATUS. I CALLED JP MORGAN CHASE CLAIMS DEPT ON XXXX AT XXXX XXXX AND SPOKE WITH A CLAIMS REPRESENTATIVE BY THE NAME OF HONEY SHE DID NOT SHOW ANY WILLINGNESS TO HELP ME OR CLARIFY ANY INFORMATION REGARDING MY CLAIM I THEN ASK FOR SUPPORTING DOCUMENTATION TO BE SENT TO ME SHOWING THERE FINDINGS HOW THEY CAME UP WITH THE DECISION TO REVERSE MY CREDIT DENY MY CLAIM SHE REFUSED AND STATED THAT SHE ALREADY TOLD ME MY CLAIM WAS DENIED DUE TO ME STATING I HAD THE CARD IN MY POSSESSION. I REQUESTED TO SPEAK TO A SUPERIOR ABOVE HER TO CLARIFY SOME INFORMATION ABOUT MY DENIAL SHE PUT ME ON HOLD AND THEN STATED THAT SHE WILL NOT BE TRANSFERRING ME TO A SUPERVISOR BECAUSE SHE ALREADY TOLD ME THE REASON OF MY CLAIM BEING DENIAL JUST SUPER RUDE IT HAS ME WANTING TO LEAVE CHASE BANK FOR THIS UNCALLED FOR BEHAVIOR I FELT HELPLESS BECAUSE AT THAT POINT SHE ALSO REFUSED TO FILE A REINVESTIGATION STATING THAT THERE IS ONLY ONE TIME I CAN FILE A DISPUTE PER TRANSACTION EVEN IF THE CLAIM WAS FILED INCORRECTLY WHICH I STRONGLY BELIEVE THE CLAIM WAS WHY WOULD CHASE DENY MY CLAIM AND DENY ME ANY FURTHER ASSISTANCE AS A CUSTOMER I BELIEVE MY CARD WAS PART OF A SKIMMING DETECTION WHERE MY INFORMATION WAS COPIED AND THEREFOR MY CARD WAS USED BUT I ALSO STATED TO THE REPRESENTATIVE THAT I DID NOT HAVE THE CARD IN MY POSSESSION THAT I HAD A NEW CHASE CARD AT WHICH DID NOT MATCH THE NUMBERS OF THE CARD USED TO COMMIT THE FRAUD I WANT CHASE TO REINVESTIGATE THESE CLAIMS AS THESE TRANSACTIONS WERE NOT COMMITTED BY ME!!!!!!!
Company Response:
State: LA
Zip: 70517
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: on XXXX I attempted to have funds wired from my IRA account with XXXX XXXX to my brother-in-law 's checking account with Chase Bank. The money was wired in two separate amounts because the IRA consists of two mutual funds. Unfortunately, I made an error in the account number. XXXX corrected the error for one of the transfers, but apparently not in time for the second one. When the first wire transfer went through, the deposited amount was {$50.00} less than the sent amount, but there was no explanation for the discrepancy. When the second wire transfer was returned to XXXX, it was missing {$85.00}. I have called Chase several times as well as messaging them via XXXX. Unfortunately, they will not deal with me since I am not the owner of the recipient account. My brother-in-law has also tried to resolve the problem with them. He was told by a Chase representative the two {$50.00} charges were because the transfer was an International transfer. When I told this to XXXX, they said that the name of the bank they use is XXXX XXXX, but it is based in New York, so there was not an International transfer. Apparently, the other {$35.00} was due to the account number error making the total amount missing in the return {$85.00}.
Company Response:
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I requested to close my checking account on XX/XX/23. The account remained open as of today but we had no access to the fund. That is, we could not transfer money out and we could not withthraw money either. On XX/XX/23 we called Chase and was told that the branch will be able to help. So I went to the branch and they could not do anything either but they asked me to call XXXX XXXX XXXX. I did call and the person who I spoke to promised to have the account closed and a check sent to me within a week. As of today, XX/XX/23 nothing had been done. I went online and my accound looks just like before with a balance but I have no access to the fund in the account
Company Response:
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Received a {$20000.00} wire from a person I know. Chase bank said it was not intended for me. It was disputed by XXXX. Chase then closed my account and reported me to the XXXX XXXX. And black listed me
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I checked my credit score and was suprized to see that it dropped XXXX points. after i check out why I found out that someone applied for a credit card in my name through JPMCB Phone number XXXX XXXX XXXX XXXX, XXXX XXXX requested a copy of the application. The rep. informed me that I would get it in the mail in 2 weeks. After waiting 2 and a half weeks no application. I did call again and was told that it would take 90 days to get it mailed to me. I don't know what to do to get my credit score points back. In another week 90 days will be up and I don't expect to get a copy. No one is investagating it. XXXX points means a lot to me.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, my phone and XXXX XXXX card was stolen. I originally thought when I first called chase it was taken while I was getting my tires changed. I gave them a police report and everything. I called them while the charges were still pending because my account was in the negative from me paying my bills that didnt show until Monday morning and I was told to wait until the fraud charges are not pending to see if they will bounce the charges back which was weird. Well I waited and they let the fraud charges go through and bounced back my bills ( car note / insurance/ registration ) and left me with nothing. I later found out it was actually my old room mate that stole my information and my phone after I tracked my phone to the apartment trash cans and we naturally got into a heated argument which the police broke up and told her she needed to leave. They asked me if I wanted to press charges and I told them I just want her gone. I only said that because I believed when I called chase back and told them they would have empathy and at least give me some if not all my money back however they then went to blame XXXX XXXX ( which is what she used to steal from me ). So I called XXXX XXXX and XXXX XXXX said they could not refund the money because chase let them go through. So I was highly upset because I called chase the Monday morning ( XX/XX/2023 ) as I said before before the cleared. XXXX XXXX told me they could of cleared it up if chase would have denied the charges however because they didnt they couldnt do anything. So I called chase back and they told me I needed to send proof of what happened however they didnt tell me what proof they needed. I had to talk to a manager and they said I needed an new police approved police report which I did not have since I elected it not to press charges. I tried to go to the police station however it was too late and I didnt remember the officers names so they could not ask them about it. At this point I was incredibly frustrated and just gave up until my mother told me to reach out here. So Im praying this will help. I have more information and even a letter they sent me on accident which shows how they had it the system claiming I only disputed XXXX dollars and they denied it because I didnt make a claim for the other XXXX. I only made one claim in the amount of XXXX. They denied they sent the letter however it came with the other papers saying why they denied me. Ive never had an issue like this. I see a lot of people have issues like this with chase. Please help.
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking XXXX XXXXXXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A