Date Received: 2023-08-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Dear Sir/Madam, I am reaching out to seek assistance regarding a matter of check fraud that we have experienced, in which JP Morgan Chase & Co. has not provided resolution to our satisfaction. Details of the incident are as follows : Check Number : XXXX Check Amount : {$5900.00} Payee : XXXX XXXX The check, as mentioned above, was discovered to be forged. Upon realizing the fraud, we promptly approached JP Morgan Chase & Co., our banking institution, with all the necessary documentation and evidence. To our dismay, JP Morgan Chase & Co. has declined to reimburse the aforementioned amount, leaving us at a financial loss due to the fraudulent activity. We have always relied on our bank to safeguard our assets and to act promptly in our best interest, especially in circumstances involving fraud. The current lack of action on their part is not only disheartening but also questions the trust we've placed in their institution. We kindly request the Consumer Financial Protection Bureau 's intervention in this matter. It is our sincere hope that with your assistance, this issue will be resolved justly and promptly. Please find attached the copy of the forged check to aid in your investigation. We are ready to provide any further information or clarification should it be required. We appreciate your attention to this matter and thank you for your dedication to ensuring consumers ' rights are upheld in the financial sector. Warm regards, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Telephone Number : XXXX
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a call ( XX/XX/2023 ) from a supposed law firm stating legal action was being taken against me for an old debt on my old checking account. Saying they tried to reach me and sent letters to an old address that my grandmother still lives at she hadnt received anything for me. Thinking it was a legit claim I tried to see if I could do anything to prevent legal action. The paralegal said she would talk to the lawyer. It only took her a few seconds to find out that JP Morgan would drop suit if I paid in full the $ XXXX. I called the said bank and they said that they were not taking legal action. I canceled my debit card that I gave them to make a payment Friday.
Company Response:
State: ID
Zip: 835XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I transferred a balance to Chase Bank Freedom Card at 0 % interest rate if paid off by XX/XX/XXXX. I made payments on that amount so as to pay off balance by XX/XX/XXXX. However, later I transferred another balance at 2.99 % interest rate. The payment terms said they would pay off the lowest interest rate first then the highest rate. I always made more than minimum payment on those two amounts. However Chase is only applying the payment to the 2.99 % interest amount and nothing to the 0 % interest amount. This causes me to not be able to pay off the 0 % amount by the due date of XX/XX/XXXX whereby that interest rate will then go from 0 % to the current rate of 26 %. That rate may cover the entire time I'v had that offered rate. I believe this is FRAUD on their part. I have talked to them several times to no avail. That is their policy they say. I want to be able to pay off my 0 % amount by XX/XX/XXXX however since they will not put payment money against that amount, that is impossible. In order to pay off the entire amount by making another payment, I would owe {$7600.00}. by XX/XX/XXXX. I don't have the money to do that. I want them to transfer previous paid amounts from the 2.99 % amount to pay off the 0 % amount, or extend the 0 % interest rate to coincide with the 2.99 % rate expiration date of XX/XX/XXXX.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received an email from XXXX on Friday, XXXX XX/XX/2023 on or about XXXX with wire transfer to close on a townhouse to purchase at XXXX XXXX XXXX XXXX XXXX Ga The money was to be deposited in an account at Chase JP Morgan . This email had the closing agent header XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ga the closing address and signature block of XXXX XXXX from XXXX XXXX XXXX. I transferred the Money on or about XXXX on Monday, XXXX XX/XX/XXXX for closing at XXXX on Tuesday, XXXX XX/XX/XXXX My closing was conducted and completed about XXXX the same evening. The next day after closing which was Tuesday, XXXX XX/XX/XXXX at XXXX, 24 hours after closing is when XXXX XXXX the correct individual informed me the money was never received by XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX informed me the email I received was not from her office. She then informed me it was a scam. I then informed my Bank XXXX XXXX, called XXXX and filed a report. The same day of my closing I was told another closing resulted in a scam using XXXX XXXX Emails : Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Not yet. I need to make sure the updates by the seller are complete first Sent from my XXXX On XX/XX/2023, at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : Has the wire been sent? Im a mail away if you need anything else. Thank you. XXXX XXXX XXXX XXXX XXXX : XXXX Office : XXXX On Fri, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Thank you, You were awesome! Sent from my XXXX On XX/XX/2023, at XXXXXXXX XXXX XXXX XXXX XXXX wrote : Ok, i will forward the title company trust account in a moment. Im a mail away if you need anything else. Thank you. XXXX XXXX XXXX XXXX XXXX : XXXX Office : XXXX On Fri, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Good morning, Thank you! Can you send me the wire instructions? Sent from my XXXX On XX/XX/2023, at XXXXXXXX XXXX XXXXXXXX XXXX XXXX wrote : Good morning, Congratulations on your upcoming closing We are cleared to close, it is important that you wire the closing funds to the title closing account today in order to avoid delay in closing. Recently, they have been experiencing delays, with wired funds occasionally taking days to hit their closing account, It is in their policy to have funds available for disbursement as at the time of closing so we advise you to have the funds sent as soon as today solely to save time and to avoid closing delay. I hope this will be convenient enough for you, I will send you the wire instructions for the closing trust account on receipt of your reply, please confirm the receipt of this mail by replying to this email, so I can attach the trust account instructions to take care of the transaction, If there is anything else you need please let me know! Please note : You will need a valid photo ID or any form of ID at closing, ( passport, credit card, SS Card0 prompt attention to this matter will be greatly appreciated and we look forward to working towards a successful closing. Im a mail away if you need anything XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I made a debit card purchase for services from a company named XXXX XXXX XXXX, listed on the internet. I purchased the Full Arbitration Representation package for {$1500.00}. The website was very specific about the services I would receive. I received an email confirmation of the purchase and package and that someone would be in touch to set up the consultation. I heard nothing. I sent an email and link was sent to schedule the consultation. The day of the consultation no one called, no email sent. I asked to reschedule, I heard nothing. Repeated attempts were made to contact this business. I made a formal request of refund for services not rendered. The email account was disabled. I called Chase and made a fraud complaint since no services were ever performed. I received a credit to my account. About two months after Chase reversed the credit without any warning or explanation. I called Chase and the representative was very nervous, lied about facts I never said, refused to let me speak to a supervisor. I called back and demanded to speak to a supervisor who was very rude to me, said this was not on the fault of Chase. She said no fraud took place and that the terms and conditions said no refunds. Terms and conditions only apply to legal purchases, not buyers remorse. No services were ever performed so that it fraud and criminal. All purchases are protected by the Electronic Funds Transfer Act and FDIC insurance. I demand a full refund. If not I will file a complaint with high level agencies and pursue legal action within XXXX XXXX as this account is owned by Trust and Trust res. A full account audit will be demanded, and Chase will owe me a lot more than {$1500.00}.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB, and the state of Minnesota Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Transunion Corp., No95-6145 ( C.D. Cal. Nov 14, 11995 ), you may be liable for your willful non-compliance.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23 I noticed that my chase sapphire reserve card ending in XXXX was closed. I reported to my credit bureau that the account was in fact open and that I applied and approved the application for the card. Further on XX/XX/23 chase closed my account for fraudulent activity per one representative. I had neither called in nor did I report the account as fraud. The account was used on a trip and the account was used to purchase a treadmill in which I approved all transactions. I called the sapphire team to alert that my account was closed and was told then by a representative that the account was report stolen. But I never reported the account as stolen as I explained the card was in my possession. Again I stated that yes I applied for the card. I was then asked to t send in documentation proving my identity in which I provided a SSC copy front and back, a DL front and back, and a billing statement with my name current address as proof I was who I said I was. 2 weeks later I phoned again and was told on XX/XX/23 that my card was with the recovery team. On XX/XX/23 I called again and was rudely told by a customer service representative that my account was closed and would not be reopened the deemed it as fraud and could not prove my identity with the documentation I provided. When asked for an explanation I was told that they do not have to tell me anything. I have an extended fraud alert on my credit so I in fact was at least due a call by the team to inform me of something but they did not. I had been waiting on this card a long time and was really excited. The way the situation was handled was very unprofessional and rude. When asked for documentation I provided it and anything else asked to recover my account yet the person over the account did not reach out to confirm or explain anything to me.even though I stated several times this was a legitimate application and I applied for it.. I also added my fianc as a authorized user and neither of us reported the card. The only thing that varies was the address as i just purchased a new home.The card was deemed closed on my credit report before the bank said fraudulent activity. And then they removed the remark. I would like someone to further investigate this matter.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase Card Services seems to be exhibiting a pattern of FCRA violations and this is just the latest example ( see prior incident filed XX/XX/XXXX ). We ordered a replacement dishwasher part from XXXX in XX/XX/XXXX. The ETA was XXXX XXXX. At the end of XXXX, I received communication that the part was going to take up to another two months to ship. I emailed XXXX requesting cancellation of the item due to the long wait. I then immediately secured the part from XXXX. XXXX replied that they could not find my order. I provided them with all of my information and noted this should be enough information to look up my order and cancel it. XXXX never responded after this. Out of the blue, in XXXX we received a package from XXXX with the part. We contacted XXXX requesting they pickup the part at their expense since we informed them to cancel it months prior. XXXX also did not respond to this email. We then called their XXXX and experienced a substantial wait time so we hung up. Having no other choice, we disputed the item with Chase XXXX XXXX XXXX XXXX XXXX We kept the item and were prepared to provide it to XXXX when they came to pick it up. Having had a Chase account for a few years, we have noticed that Chase always puts up unnecessary roadblocks when disputing charges, no matter how obvious the dispute is in your favor and no matter what you provide upfront. Even if you include all pertinent information in your written dispute, they still require you to -call- them ( no electronic option is provided ) to re-provide all of the information you already provided to them. Presumably, this is to create friction and cut down on their labor costs in handling disputes. Nonetheless, we always play ball and provide the information requested. Usually, this is the end of our obligation. However, this time Chase mailed us a dispute form in XXXX requesting, for a third time, the same information we already provided to them. Again, we jumped through their hoops and responded by the XXXX deadline indicated. Inexplicably, we received a letter from Chase yesterday explaining that the merchant shipped the item to us and showed proof and therefore the charge is valid. This is a direct violation of the FCRA. Once we made our attempt to cancel the item, the purchase should be considered canceled and any attempt to continue the purchase is unauthorized. The fact that we then made attempts to allow the merchant to take the item back demonstrates that we clearly did not want this item, and that the obligation is on the merchant, not us, to facilitate the return.
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, XXXX and XXXX 2023 I was charged 6 NSF in the amount of XXXX by JP Morgan Chase. Transactions varied from XXXX to XXXX. Total amount for all transactions XXXX and chase charged XXXX of NSF. I am not disputing that I made the transactions. Because of lack of funding, I used my debit card to pay for transportations to work and food. According to an article by CFPB stating that JP chase is one of the bank that do not charge NSF I called to dispute the charges. I was told by a manager that chase has its own policy regardless of what is written in CFPB and agreed to waive a XXXX as a courtesy.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a XXXX XXXX XXXX XXXX XXXX ( through Chase ). The promotional offer I applied for listed XXXX miles and XXXX 'Premier Qualifying Points ' ( PQP ) after an initial spend on {$5000.00} in the first 3 months of card ownership. I completed this initial spend, and received the XXXX miles. However, I did not receive the PQP that were advertised. Currently the offer lists only the XXXX miles as part of the initial offer, but I applied on XX/XX/XXXX, before the offer expired on XX/XX/XXXX, so I believe I am still entitled to this benefit, and would like this to be applied to my account.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A