Date Received: 2023-09-10
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of XXXX accounts that are fruadulent.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I inadvertently transferred {$6000.00} from my personal account into an account indirectly linked to my account within the same bank. When I realized the error, we called the bank and spoke with a customer service represented at the bank on XX/XX/XXXX. A claim was processed and the funds were reversed out of the wrong account on XX/XX/XXXX, one business day after we filed the claim. Today is XX/XX/XXXX, and the funds still have not been deposited back into my account. I spoke with a customer service representative on Wednesday XX/XX/XXXX, who assured me that the funds would be back in my account by end of day. They were not. I spoke to a customer service representative again on Thursday XX/XX/XXXX who this time said the process takes 3-5 days from the reversal of funds to be deposited back into my account. I do understand why it takes so long and where the money is in the interim. The accounts are linked and within the same bank. Per the CFPB site, Reg E, 1005.11, The institution shall correct the error within one business day after determining that an error occurred. '' The funds were reversed within one business day, but they bank is still needlessly holding onto {$6000.00} of my funds for no apparent reason other than for their own benefit. It has been 9 days since we filed a claim. This behavior on the part of a big bank that is taking full advantage of an inadvertent error on my part to leverage the use of my funds. I would like to understand where my funds are between the time they took them out of the account in error and where they are now. I have not received a satisfactory response from the bank customer service reps other than " this is the process and it takes 3-5 days ''. To make matters worse, they made sure to give me the run around, connected me to several wrong departments, and hung up on me several times while putting me on hold forever.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I responded to an ad on XXXX for a metal detector. I was sent pictures and a serial number to verify and sent partial payment on XXXX of {$100.00} through XXXX from my chase checking account. The seller said the shipping fees were more than expected and that they did not have the funds to cover it so I sent another {$75.00} the same way on XXXX. All these payments were sent to XXXX through XXXX. I have emailed this address and gotten a reply with a picture of an ID etc saying they were victims of the scam too. I spoke with chase and they said they could not refund me the money since I initiated the transfer even though it was under false pretenses.
Company Response:
State: CA
Zip: 95409
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Properly mobile deposited a two party check and they are refusing to unlock card so I can use my money because of verification reasons. When we have explained to them that it was my boyfriend and his phone number they are saying its not popping up for them. We called his phone provider XXXX and XXXX and they said everything was correct and under his name but they still for some reason cant pull up his info linked to that phone number. Im about to take legal action over this because they are withholding {$2000.00} dollars of our money. I had multiple reps in the fraud department hang up on me when I asked for a supervisor.
Company Response:
State: SD
Zip: 574XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XX/XX/, XXXX, CT branch of JP Morgan Chase was entered and three ( 3 ) checks were deposited. Two ( 2 ) of the checks were Official Bank Checks from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The third check was an attorney 's escrow fund check from an unknown bank. The two ( 2 ) Official Bank Checks totaled approx. {$1.00} XXXX and the third check was for about {$110000.00}. A fairly typical real estate transaction. I have been advised that the Official Bank Check deposits will not clear until XXXX XX/XX/2023. That is twelve ( 12 ) days!!! The third check is scheduled to clear in five ( 5 ) days!!! The " lost '' interest on these funds exceeds {$1000.00} per week which I formally request reimbursement.The checks were made payable directly to the account owners and deposited into an account titled in the account owners names ( s ). There is absolutely NOTHING out of the ordinary with these checks. I have been a JP Morgan Chase depositor for in excess of fifty ( 50 ) years. Balances in excess of {$250000.00} are consistently maintained and I am a so-called " Private Client ''. These funds are needed and it is incomprehensible that funds are being held for almost two ( 2 ) weeks when they should have been available the next business day.
Company Response:
State: CT
Zip: 06877
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
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: I purchased a product ( couch ) which was never delivered despite the ongoing operation of the business. I disputed the charge made with my Chase credit card yet Chase continues to assert that I am responsible for this transaction. This is contradictory to their credit card policies. Below is the letter I sent to Chase. There has been no resolution and Chase continues to assert we are responsible for this charge even though the product paid for was never delivered. To Whom it May Concern. XX/XX/XXXX I would like a payment reversal and refund for a purchase made at XXXX XXXX ( a furniture store ) on XX/XX/XXXX. The couch purchase in question came with an estimated delivery date of XXXX weeks. XXXX weeks is approximately 6 months from the date of sale, or in this case early XX/XX/XXXX. Delivery and receipt of the couch in question never occurred and yet the company in question is actively in business and a recent visit to their store shows the nearly identical couch for sale on the showroom floor. Request for reimbursement to the company have been unsuccessful as they claim some interval change in ownership and an absence of responsibility for any prior unfulfilled purchases, which is entirely unacceptable. The couch was not delivered within the expected ( XXXX weeks ) timeframe and so my wife ( XXXX XXXX ) made a complaint regarding this issue to XXXX soon thereafter on XX/XX/XXXX ( XXXX claim ID # XXXX ). The claim was initially refused by XXXX due to the amount of time that had passed from the purchase date but a simple further review will show that the purchase date is irrelevant in this matter as we were unaware the couch would not be delivered until the expected delivery date ( XXXX weeks ) had passed. As you can see from the attached purchase receipt that expected delivery timeframe was XXXX weeks AFTER the purchase date. This claim needs re-review and if not appropriately satisfied this denial will be submitted to the XXXX as an inappropriate failure to comply with stated credit card chargeback policies. Thanks for your attention to this matter. Sincerely, XXXX XXXX Below find the supporting purchase receipt document. Your Interior Define Quote Page XXXX of XXXX Sent from my XXXX Begin forwarded message : XXXX Date : XX/XX/XXXX at XXXX PM XXXX FOr XXXX XXXX XXXX XXXX : We've Received Your Order : # XXXX XXXX DEFINE Thanks for your order, XXXX XXXX. Your order # XXXX XXXX has been received! See your receipt below. Before we get started, take a second to confirm that your shipping address is correct. Remember. Made-to-order items can be modified or cancelled within XXXX hours. Modifications and cancellations outside of those timeframes will incur a processing fee. Learn more about our modification and cancellation policies here. We're so excited for your new pieces. We'll keep you updated on your order 's progress and send tracking once available. With our current volume, our production may be subject to longer lead times. If your order experiences a change in timeline, we will notify you via email. You can always check your order status on your online account. A note on XXXX Now Decide Later Orders : You have 30 days to assign a fabrie to your piece ( XXXX ). When you're ready, you can choose your fabric on your online account. XXXX won't begin until all fabric selections have been made. Can't decide? XXXX free swatches to help. Once you choose your fabric, you can make modifications or cancellations to your order within XXXX hours. Any modifications or cancellations outside of XXXX hours will incur a fee. If you have any further questions. we're here. Best, The XXXX Define Tean XXXX Your Order # XXXX Billing Info XXXX XXXX XXXX XXXX " XXXX XXXX XXXX, Illinois, XXXX United States T : ( XXXX ) XXXX Payment Method Shipping Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX United States T : ( XXXX ) XXXX Shipping Method Unlimited furniture delivery - Unlimited furniture delivery Credit Card Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Buy Now + {$200.00} Finish Solid Wood XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + {$95.00} Choose Sofa Length XXXX '' + {$300.00} Choose Chaise Length XXXX '' + {$300.00} Choose Sofa Depth XXXX '' Choose Chaise Depth XXXX '' Cushion Fill XXXX XXXX Your Interior Define Quote Page XXXX of XXXX Down alternative + {$250.00}. Estimated delivery date : Delivered in XXXX weeks Warranty - Jasper Mulberry XXXX Product = 60 Months, Product Placeholder | {$220.00} Estimated delivery date : Delivered in XXXX weeks Subtotal Discount Tax Shipping XXXX XXXX XXXX XXXX XXXX. {$920.00} XXXX {$240.00} {$4600.00} XXXX DEFINE The original letter and supporting receipt are attached as documents below. Thank you for your help with this matter.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
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: I have been charged a cash advance fee and interest on a {$9.00} XXXX charge that was for a purchase of goods/services even though I have never been charged such in the past year. I requested that Chase reclassify as regular charge as in past and remove the fee and interest but they refused. Asked to dispute charge and they refused to open a dispute. Transaction Date : XX/XX/2023 Amount : {$9.00}
Company Response:
State: TX
Zip: 77630
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: About an hour ago, I received 4 emails. The first was from XXXX XXXX ( XXXX ) : " Thank you for taking the time to meet with me and for setting up your access to Chase Online. If you have not done so already, we encourage you to download the Chase Mobile App1. Together the Chase Mobile App and Chase.com give you the ability to bank virtually anywhere at any time. Please feel free to reach out to me directly with any questions. Thank you. '' - 2nd email I received, from Chase ( XXXX ) : We ordered your new card As you requested, you've been issued a new debit or ATM card. Here 's what comes next : - Your card will arrive in a plain envelope in a few days. - You can activate your new card by using it at an ATM or calling the number on the front of the card. - If your previous card was in your mobile wallet and you'd like to add your new one, follow the instructions in your wallet app. Didn't request a new card? Call us immediately at the number on the back of your card or, if you don't have one with you, visit chase.com/CustomerService to find the best way to notify us. 3rd one, also from Chase ( XXXX ) : We've updated your email address Dear XXXX XXXX XXXX As you requested, we've updated your email address. If you didn't request this change : Call us immediately at the number on the back of your card. If you don't have a card, you can visit chase.com/CustomerService to find the best phone number. 4th one, from Chase ( XXXX ) : Your email address update is complete If you asked us to make this change, you're all set. If you didn't make this request, call us immediately at XXXX or visit chase.com/CustomerService. ***I wrote back to the first one, and XXXX XXXX back to me telling me to call him at the number below. I didn't call, and came to this website to report what happened. Yikes.
Company Response:
State: OR
Zip: 97330
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I identified two unauthorized credit inquiries from JPMCS Card services dates XX/XX/2023 and XX/XX/2023. I made numerous attempts to contact Chase to remove and report and the one time i managed to get thru to them i was given the run around to different departments, ending on a our office is closed.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I lost my job and called all my cresit card companies to pay them off in full. I explained that I will not be able to pay anything so I wanted to pay anything amd everything owed. I took a loan out to do this in the amounts given. I paid them exactly what I was told was owed. I now see interest fee 's on all 3 accounts from Chase bank. All other creditors are exactly as we discussed. I was also told they were waiving 1 month of interest in tje amount of {$100.00}. This still has not happened. I've spent countless hours on the phone with them. They trasnfer me back and forth and have continued to make promises not kept! I'm frustrated. I would've made different choices had this been brought to my attention. I know they say all calls are recorded. Its all there in the recordings I do not have access to. Please, please help me. I know it may not seem like a lot but to someone who has no income, who chose to pay my bank credit cards off first it is a huge deal. Its very upsetting the way they talk to you, tell you what you want to hear then ask for a great review at the end of the call and make false promises. I can try amd print the statements and send them to you so you can see. It was showing a XXXX balance on 1 card XXXX, chase and then all of a sudden it was nearly {$1200.00} owed. I had not used it but for an ac repair of XXXX and when I asked how {$400.00} turned into XXXX I was told pending transactions?! I didn't have any since I had paid the card off. The last time I used the card was over a week prior for a vending machine while I was in the hospital. That is not {$1200.00}. Now when I try to print my statements its a blank screen. I need help amd don't even know what questions to ask aside from " where did this amount come from " again I was told pending transactions, that do not add up to that amount. If I could please get your advice and some assistance. This bank has made a fortune off of me. I was always on-time with my payments. I had auto pay set up until XXXX. I have paperless and it will not allow me print my statements!?!??? I can't even take a screen shot of it. I put the last 4 of all 3 account below. I do not have 2 of the cards. I cut them up some time ago.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A