Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company needs to fix their report on my credit score. I did everything on my end I was supposed to that satisfied the settlement so why was another account opened on their behalf? The company needs to send the correct information to the credit union and have the wrong information removed.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 My husband and I received a notification from Chase Fraud Alert ( Chase Bank ) via text and email notifying him of a fraudulent charge on his debit card for {$690.00} for " XXXX XXXX. '' We talked to Chase Fraud XXXX ( XXXX ) XXXX on the phone to confirm that this was not our charge and we were able to deny this charge and Chase replaced the debit card. On XX/XX/2023 My husband received a phone call claiming to be from Chase Fraud and the number appeared on his phone as the Chase Fraud number : XXXX ( XXXX ) XXXX. The caller was a male and stated that fraudulent charges were being attempted from our accounts and that " wire reversal '' transfers needed to be made to stop the money from being stolen. The caller mentioned XXXX account numbers ( the last XXXX digits of XXXX of our checking accounts- including the account that had had the attempted fraud on XX/XX/XXXX ) and stated that funds had to be wired to a secured account Chase was setting up for us. My husband questioned the authenticity of the caller and the caller sent him confirmation text messages that were identical to the Chase Fraud text messages he received for the fraud on XX/XX/XXXX. The caller kept my husband on the phone for XXXX hours ( long periods on hold ) as he walked him through the process of creating " reverse wire transfers '' in which the recipient of these wires was named as " my husband 's name '' with our address and contact info in the amount of {$12000.00} and {$4000.00}. The caller kept my husband on the phone long enough for the wires to successfully go through. When my husband got off the phone he felt unsettled and called Chase Fraud back ( same phone number ) and reached the real Chase Fraud Dept who stated they had not called him. At this time our bank accounts were reduced to {$1200.00} with a total of {$16000.00} stolen. We immediately filed a Claim with Chase Bank on XX/XX/XXXX and Chase sent secure messages to the receiving banks ( XXXX XXXX for {$12000.00} and XXXX XXXX XXXX XXXX for {$4000.00} ) to stop the transfers. It was too late- the money was gone. Chase Bank said they would investigate and keep us updated. We filed a report with the Federal Trade Commission. On XX/XX/XXXX Chase Bank messaged us to confirm that both receiving banks confirmed the funds were unavailable. Chase stated they would continue to investigate the XXXX XXXX {$12000.00} transfer. XXXX stated that the XXXX XXXX XXXX XXXX stated that they would refund our {$4000.00} if Chase would issue us a " Holds Harmless Letter '' for the fraudulent transfer- Chase Wire Research ( confirmed by their reps XXXX XXXX XXXX XXXX XXXX stated that we had to go to a local Chase branch to be issued this letter by a banker. On XX/XX/XXXX we filed a police report with the XXXX Police Department ( XXXX, Ohio ). On XX/XX/XXXX we went to our local Chase Bank branch to speak with a banker in person. The banker confirmed that we had an active Claim for these fraudulent transfers and he stated that the Wire Research Team had to issue Holds Harmless letters. He called requesting the Holds Harmless Letter and was denied by Chase Wire Research. Chase Wire Research refused to issue this letter stating that this was " not a fraud but a scam '' and that we were responsible for the loss of this money. This was very different than what we were told by Chase Wire Research ( reps XXXX XXXX and XXXX ) on XX/XX/XXXX. We were advised to call the receiving banks ourselves to plead our case. This trip to the bank under false information regarding the Hold 's Harmless letter was a loss of work time. On XX/XX/XXXX we called XXXX XXXX and XXXX XXXX XXXX XXXX and were restricted from speaking to anyone about these transfers because we are not customers of their banks. On XX/XX/XXXX We were contacted by Chase Bank to confirm that there was nothing further they could do regarding the {$12000.00} transfer to XXXX XXXX and we were advised to contact the bank ourselves. We informed them we had already attempted to contact the other banks and were denied because we aren't their customers. Chase stated there was nothing further they could do.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/2019 JPMCB CARD SERVICES agreed to close my account after being paid in full. Currently 4 years later this account is still reporting on my credit after being closed and I am aware that this is illegal. I reached out to the company but was notified I should contact my reporting company.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Add comment..
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had initiated a online Funds transfer on XX/XX/2023 from my savings account at CHASE bank to my new account at the XXXX XXXX, my account at the XXXX XXXX is a verified account ( by Chase Bank ) instead of transfering the money as requested Chase Bank rejected my request, is Chase Bank failing or going under that they are preventing customers from withdrawing funds from their accounts? these actions of Chase Bank is deterimental to regional banks, I am wondering if Chase Bank is trying to cause regional banks to fail? I want you to initiate an investigation into Chase Banks illegal activities, and also help me recover my funds from my Chase savings account ( my funds in the savings account are seaoned funds not new deposits ) XXXX XXXX
Company Response:
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My husband deposited two checks into our account on XX/XX/XXXX inside the bank with the teller. The check has not shown up in our account. We made the branch aware of the situation and they simply said they dont know what happened and that the check should show up tomorrow. The check has not shown up in our account and weve made several attempts to call the branch but they do t answer the phone.
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The bank is holding a check whose funds were already released by the issuing bank. They are refusing to contact the bank or the check issuer to confirm validity. They said their internal system does not recognize the company or number that issued the check. The only recourse they are offering is to wait up to 10 days. I will be overdrawn as a result. This is unacceptable.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A Chase Bank check was mailed to me dated XXXX for {$4000.00}. The check was stolen from the mail. An individual fraudulently appended their name to the check and cashed it at XXXX XXXX XXXX XXXX in XXXX, California on XXXX. The individual was a member of XXXX XXXX XXXX XXXX. All three financial institutions are accusing each other of inaction related to retrieving and returning the funds. I have spoken with XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of JPMorgan Chase. I spoke with JPMorgan Chase Fraud on XXXX and they will not provide me with a substantive update. I have filed a similar complaint with NCUA.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Today, I have my bank account with XXXX wiped out over {$5200.00} and overdrawn by {$1600.00}. I was informed by a XXXX party that sent the court order to the bank I had a judgement against me ( first time I find out ), had to call the bank to get their info. I was never served nor did I receive a notice. Last communication I had with the owner of the debt, XXXX XXXX XXXX was that I had the intention of paying but could barely survive making {$12.00} per hour back in 2013. Apparently, a judgement with the ability to lean my bank accounts was filed in 2013. How can I have a judgement and court proceedings without having been served or a notice received?
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX of 2022, a check in the amount of {$15000.00} was endorsed to me by a family member. Because the check was from Chase I thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because the individual who endorsed the check to me was not able to be verified by her phone number. I was told at the time that because she was not able to be verified by phone that she would have to bring her ID into the bank branch to be verified. When we were able to bring the ID to the bank they told us that they no longer accept identification verification in the bank and she must be verified by phone. Her number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A