Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Wrong information being reported
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A check I issued and mailed in California to pay insurance was stolen and cashed fraudulently in Georgia. I filed a claim with my bank, and they claim they followed up but have not returned my money. They have closed the case. I believe my bank should reimburse me and then get reimbursed from the bank that negligently cashed the check. The bank is Chase Bank. A TV news report says they do this repeatley.
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Amazon rewards by chase card was open in my name. After becoming aware of the account we paid the account and finally chase closed the account. We never signed up for this card. Chae closed the account due to idenity theft and kept all of the payments us made on an account that I didn't open but bc I didn't want my credit ruined i paid the account. I'm looking for a refund for all the monies paid on an closed due to idenity theft but is still charging my bank account and they have put this on my consumer report. If it's not idenity theft why did they choose the account. Why wasn't my money returned why are they still charging my bank account and his is this on my credit. Here 's my message to Chase Bank and Amazon rewards by chase bank card if the account did belong to me XX/XX/XXXXXXXX Dear Sir or Madam : It has come to my attention after reading a publication titled Modern Money Mechanics published by the Federal Reserve XXXX XXXX XXXXXXXX that this bank and other banks within the Federal Reserve System may be perpetrating a fraud on the American public. I have some questions which need to be answered before I continue to make payments on or use my Bank credit card. My account number is ( listed below ). The following are my questions : 1. Was an individual depositor 's money deposit used in order to pay the vendors when I made charges to my account? XXXX. Was the money that was loaned created by my signing of the voucher when I made the purchase? XXXX. Is it your Bank policy to create checkbook money in amounts equal to the charges made by Bank customers? XXXX. Does this Bank have on file a contract signed by me with a bona fide signature? XXXX. Will your Bank provide a copy of the journal entry that is made when I charge to my account? Please answer these questions within ten ( 1O ) days so that I am not late in making my payment. If I do not hear from you, I will assume that what I have learned is the truth and will, therefore, rescind my contract with your Bank, as I do not wish to be a party to fraudulent practices. Thanking you in advance for your cooperation, I look forward to your immediate response to this most disturbing revelation. My hope is that you can dispel my fears and refute this troubling circumstance in which we find ourselves. When applying for my credit card I was under the impression that the credit card company would be loaning me depositors money which it received from depositors or investors I found case law published by the Federal Reserve XXXX XXXX XXXXXXXX that the credit card company created money that I borrowed by using that's you generated computer interies to my account using the credit and to take creating money out of thin air. In none of my transactions did any officer or employee notify me that the bank creates money out of thin air by journal entry after discovering this Im prepared to proceed against your company for bank fraud. The banks transactions relating to me like are missing 2 essential components to make a valid contract. you should be aware of the following USC 32 section 24 paragraph 7 confers upon a bank the power to lend its money and not credit and XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ( XXXX ) The court stated the provision referred to does not give power to a bank to guarantee the payment of obligations of others solely for their benefit and no such power incidental and the business of banking the banking and its own money not credit also see how would enforcer XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ; XXXX. XXXX ( XXXX ) The credit card company did not notify me that it created money by journal entry defined as bank credit to do so would have disclosed that there was no consideration from the bank or the credit card company to meet it has been shattered beyond controversy by the court that a National Bank under federal law being limited to its power and capacity can not lend its credit by guaranteeing the debt of another all such contracts and you're into by its officers or ultra VIRES and not binding upon the corporation. see merchants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) also see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) A lawful consideration must exist and be tendered to support the note if there is no full disclosure and there is no consideration then there is no contract. RETURN ALL MONIES PAID TO YOU CANCEL THESE CONTRACTS AND SIGNATURES AND REMOVE INFORMATION DEFAMING MY CHARACTER PLEASE AND THANK YOU VERY VERY MUCH Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1681c-2 a Consumer reporting agency Shall block the reporting of any information in the file of the 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 as soon as possible! 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.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: To : Federal Reserve Bank of New York XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Email : XXXX Subject : This is an official request for assistance to solve problem with Chase bank Dear Sir/Madam , My name is XXXX XXXX ; a client of Chase bank. I am writing to bring to your attention an issue I recently experienced with my funds being transferred to a fraudulent and illegal destination under the name of XXXX XXXX XXXX XXXX XXXX XXXX The person responsible is XXXX XXXX, and I have lost XXXX USD as a result. I am writing to you after i failed to solve this issue with my bank I am writing this letter for you to help me to dispute the recent denial of refunds for multiple transactions from my account XXXX with Chase Bank XXXX The transactions, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for amounts of XXXX, XXXX, XXXX, and XXXX respectively, were authorized by me and I have been informed that they have been blocked by receiving bank due to fraudulent activity. I request the Federal Reserve Bank of New York to look into this matter and to assist me in getting a full refund for these transactions. I would like to bring to your attention that I did not engage in any fraudulent activity and I have been a responsible account holder with Chase Bank. I was informed by Chase Bank that the debits have been denied by the receiving bank and the funds can not be recovered for return. The account has been blocked for fraudulent activity and the case has been closed. I strongly disagree with this decision and request a refund for the mentioned transactions I am providing you with the transaction reference numbers and XXXX XXXX for your records : XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX I believe that if Chase Bank had followed its own terms and services, as outlined in the online privacy policy, this situation could have been avoided. I would like to remind you of your own terms and services, which state that a transfer of that amount should have been a red flag and warrant a call to inform me of any suspicious activity. Despite being a loyal customer of Chase Bank for a long time, I did not receive any warnings or calls, and only received an email confirmation of an investigation on XX/XX/XXXX with reference number XXXX. I have been frustrated by the lack of communication and updates on my case, even after faxing the request on the same day. This lack of customer care is concerning, and I hope that Chase Bank will assume responsibility for its mistake and act promptly to resolve this issue. I would like to request a full refund of my lost amount of XXXX USD. I have had the deepest trust in Chase Bank, but if this issue is not resolved, I may have to take the initiative to bring it to the attention of The OCC and The US Department of the Treasury for failure to protect and communicate with clients. I would appreciate your prompt attention to this matter and I look forward to your response. I hope to continue as a client of Chase Bank and receive the services I deserve. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Attached are letters I sent to Chase bank To : Chase Bank XXXX XXXX XXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam My name is XXXX XXXX ; I am a client of your bank and I am writing to you raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX XXXX XXXX. The persons name is XXXX XXXX. In total I lost XXXX out of my pocket, this unfortunate even happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. On XX/XX/XXXX. I received an email confirmation from you that you had started working on my case with the reference number : XXXX. I was told to fax the request which I did on the same day, I requested an update regarding my case but got no response from your side, even though all reasonable time frame has already gone by, All this lack of communication is very discouraging, I have been a loyal customer of Chase bank, but I am left to feel that I do not deserve any customer care or attention from you, first of all how come the bank that I have been using for so long did not warn me about these kinds of situations and secondly, even after giving me a reference number, you are avoiding communication with me and refusing to update me about what stage the investigation is at. I had the deepest trust in Chase Bank and I hope that you will not shift liability, and assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without me taking the initiative to go to The OCC and The US Department of the Treasury complaining about your failure to protect your clients and neglecting them in communication. So, I am still asking you to refund my full lost amount of XXXX. Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX To : CHASE BANK. XXXX XXXX XXXXXXXX XXXX XXXX, NY Subject : This is an official request of a charge back Sir/Madam My name is XXXX XXXX , I am a client of your bank and I am writing to you to raise your awareness regarding an issue that I lately had with my funds which have been transferred to some fraudulent and illegal destination XXXX XXXX XXXX XXXX XXXX The person 's name is XXXX XXXX. In total I lost XXXX USD out of my pocket. This unfortunate event happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) Let me explain in detail how everything happened : At first, I was contacted by XXXX on XXXX she introduced herself as an investor and trader, she showed me some of the basics of what she was doing and how she was earning passive income, by lies and manipulation she convinced me to invest and after that she enrolled me into a seven day pledge, all I had to do was put in some amount and after that my investments would double. She made me transfer my funds from my bank to XXXX and from there to their wallet address on XXXX. The reason why I am coming to you with a request to refund the full amount is because. You claim to collect information about your customers and monitor their transactions. I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. Because of this I feel very discouraged and lost. My financial situation is in ruins. And most importantly I feel betrayed. How come the bank that I have been using for so long did not inform me of these kinds of situations. Thats why I am coming to you with this OFFICIAL REQUEST TO REFUND my full amount, XXXX Either you claim it from the beneficiary bank where you allowed my money to go or you reimburse me from your own pool, because as a bank you are responsible to protect your clients funds. I hope that you will not shift liability, and you assume the consequences of your mistake. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Second letter -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Chase Bank XXXX XXXX XXXXXXXX XXXX XXXX, NY Subject : Official request for a refund Sir/Madam, On XX/XX/XXXX I sent you a letter stating my case about being defrauded, but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Please, contact me as soon as possible. Best regards, To : Federal Reserve Bank of New York XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Email : XXXX Subject : This is an official request for assistance to solve problem with Chase bank Dear Sir/Madam , My name is XXXX XXXX ; a client of Chase bank. I am writing to bring to your attention an issue I recently experienced with my funds being transferred to a fraudulent and illegal destination under the name of XXXX XXXX XXXX XXXX XXXX XXXX The person responsible is XXXX XXXX, and I have lost XXXX USD as a result. I am writing to you after i failed to solve this issue with my bank I am writing this letter for you to help me to dispute the recent denial of refunds for multiple transactions from my account XXXX with Chase Bank XXXX The transactions, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for amounts of XXXX, XXXX, XXXX, and XXXX respectively, were authorized by me and I have been informed that they have been blocked by receiving bank due to fraudulent activity. I request the Federal Reserve Bank of New York to look into this matter and to assist me in getting a full refund for these transactions. I would like to bring to your attention that I did not engage in any fraudulent activity and I have been a responsible account holder with Chase Bank. I was informed by Chase Bank that the debits have been denied by the receiving bank and the funds can not be recovered for return. The account has been blocked for fraudulent activity and the case has been closed. I strongly disagree with this decision and request a refund for the mentioned transactions I am providing you with the transaction reference numbers and XXXX XXXX for your records : XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX I believe that if Chase Bank had followed its own terms and services, as outlined in the online privacy policy, this situation could have been avoided. I would like to remind you of your own terms and services, which state that a transfer of that amount should have been a red flag and warrant a call to inform me of any suspicious activity. Despite being a loyal customer of Chase Bank for a long time, I did not receive any warnings or calls, and only received an email confirmation of an investigation on XX/XX/XXXX with reference number XXXX. I have been frustrated by the lack of communication and updates on my case, even after faxing the request on the same day. This lack of customer care is concerning, and I hope that Chase Bank will assume responsibility for its mistake and act promptly to resolve this issue. I would like to request a full refund of my lost amount of XXXX USD. I have had the deepest trust in Chase Bank, but if this issue is not resolved, I may have to take the initiative to bring it to the attention of The OCC and The US Department of the Treasury for failure to protect and communicate with clients. I would appreciate your prompt attention to this matter and I look forward to your response. I hope to continue as a client of Chase Bank and receive the services I deserve. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Attached are letters I sent to Chase bank To : Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam My name is XXXX XXXX ; I am a client of your bank and I am writing to you raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX XXXX XXXX The persons name is XXXX XXXX. In total I lost XXXX out of my pocket, this unfortunate even happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. On XX/XX/XXXX. I received an email confirmation from you that you had started working on my case with the reference number : XXXX. I was told to fax the request which I did on the same day, I requested an update regarding my case but got no response from your side, even though all reasonable time frame has already gone by, All this lack of communication is very discouraging, I have been a loyal customer of Chase bank, but I am left to feel that I do not deserve any customer care or attention from you, first of all how come the bank that I have been using for so long did not warn me about these kinds of situations and secondly, even after giving me a reference number, you are avoiding communication with me and refusing to update me about what stage the investigation is at. I had the deepest trust in Chase Bank and I hope that you will not shift liability, and assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without me taking the initiative to go to The OCC and The US Department of the Treasury complaining about your failure to protect your clients and neglecting them in communication. So, I am still asking you to refund my full lost amount of XXXX. Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX To : CHASE BANK. XXXX XXXX XXXXXXXX XXXX XXXX, NY Subject : This is an official request of a charge back Sir/Madam My name is XXXX XXXX , I am a client of your bank and I am writing to you to raise your awareness regarding an issue that I lately had with my funds which have been transferred to some fraudulent and illegal destination XXXX XXXX XXXX XXXX XXXX. The person 's name is XXXX XXXX. In total I lost XXXX USD out of my pocket. This unfortunate event happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) Let me explain in detail how everything happened : At first, I was contacted by XXXX on XXXX she introduced herself as an investor and trader, she showed me some of the basics of what she was doing and how she was earning passive income, by lies and manipulation she convinced me to invest and after that she enrolled me into a seven day pledge, all I had to do was put in some amount and after that my investments would double. She made me transfer my funds from my bank to XXXX and from there to their wallet address on XXXX. The reason why I am coming to you with a request to refund the full amount is because. You claim to collect information about your customers and monitor their transactions. I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXXXXXX XXXXy ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. Because of this I feel very discouraged and lost. My financial situation is in ruins. And most importantly I feel betrayed. How come the bank that I have been using for so long did not inform me of these kinds of situations. Thats why I am coming to you with this OFFICIAL REQUEST TO REFUND my full amount, XXXX Either you claim it from the beneficiary bank where you allowed my money to go or you reimburse me from your own pool, because as a bank you are responsible to protect your clients funds. I hope that you will not shift liability, and you assume the consequences of your mistake. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Second letter -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Chase Bank XXXX XXXX XXXX XXXX XXXX, NY Subject : Official request for a refund Sir/Madam, On XX/XX/XXXX I sent you a letter stating my case about being defrauded, but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Please, contact me as soon as possible. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has been closed. I strongly disagree with this decision and request a refund for the mentioned transactions I am providing you with the transaction reference numbers and XXXX XXXX for your records : XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX I believe that if Chase Bank had followed its own terms and services, as outlined in the online privacy policy, this situation could have been avoided. I would like to remind you of your own terms and services, which state that a transfer of that amount should have been a red flag and warrant a call to inform me of any suspicious activity. Despite being a loyal customer of Chase Bank for a long time, I did not receive any warnings or calls, and only received an email confirmation of an investigation on XX/XX/XXXX with reference number XXXX. I have been frustrated by the lack of communication and updates on my case, even after faxing the request on the same day. This lack of customer care is concerning, and I hope that Chase Bank will assume responsibility for its mistake and act promptly to resolve this issue. I would like to request a full refund of my lost amount of XXXX USD. I have had the deepest trust in Chase Bank, but if this issue is not resolved, I may have to take the initiative to bring it to the attention of The OCC and The US Department of the Treasury for failure to protect and communicate with clients. I would appreciate your prompt attention to this matter and I look forward to your response. I hope to continue as a client of Chase Bank and receive the services I deserve. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Attached are letters I sent to Chase bank To : Chase Bank XXXX XXXX XXXXXXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam My name is XXXX XXXX ; I am a client of your bank and I am writing to you raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX XXXX XXXX The persons name is XXXX XXXX. In total I lost XXXX out of my pocket, this unfortunate even happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. On XX/XX/XXXX. I received an email confirmation from you that you had started working on my case with the reference number : XXXX. I was told to fax the request which I did on the same day, I requested an update regarding my case but got no response from your side, even though all reasonable time frame has already gone by, All this lack of communication is very discouraging, I have been a loyal customer of Chase bank, but I am left to feel that I do not deserve any customer care or attention from you, first of all how come the bank that I have been using for so long did not warn me about these kinds of situations and secondly, even after giving me a reference number, you are avoiding communication with me and refusing to update me about what stage the investigation is at. I had the deepest trust in Chase Bank and I hope that you will not shift liability, and assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without me taking the initiative to go to The OCC and The US Department of the Treasury complaining about your failure to protect your clients and neglecting them in communication. So, I am still asking you to refund my full lost amount of XXXX. Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX To : CHASE BANK. XXXX XXXX XXXXXXXX XXXX XXXX NY Subject : This is an official request of a charge back Sir/Madam My name is XXXX XXXX , I am a client of your bank and I am writing to you to raise your awareness regarding an issue that I lately had with my funds which have been transferred to some fraudulent and illegal destination XXXX XXXX XXXX XXXX XXXX The person 's name is XXXX XXXX. In total I lost XXXX USD out of my pocket. This unfortunate event happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) Let me explain in detail how everything happened : At first, I was contacted by XXXX on XXXX she introduced herself as an investor and trader, she showed me some of the basics of what she was doing and how she was earning passive income, by lies and manipulation she convinced me to invest and after that she enrolled me into a seven day pledge, all I had to do was put in some amount and after that my investments would double. She made me transfer my funds from my bank to XXXX and from there to their wallet address on XXXX. The reason why I am coming to you with a request to refund the full amount is because. You claim to collect information about your customers and monitor their transactions. I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. Because of this I feel very discouraged and lost. My financial situation is in ruins. And most importantly I feel betrayed. How come the bank that I have been using for so long did not inform me of these kinds of situations. Thats why I am coming to you with this OFFICIAL REQUEST TO REFUND my full amount, XXXX Either you claim it from the beneficiary bank where you allowed my money to go or you reimburse me from your own pool, because as a bank you are responsible to protect your clients funds. I hope that you will not shift liability, and you assume the consequences of your mistake. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Second letter -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam, On XX/XX/XXXX I sent you a letter stating my case about being defrauded, but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Please, contact me as soon as possible. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check that I won from a settlement. The check is for XXXX. Chase said they can not verify the check even after I provided the name of the bank, address, and banks verification number for Chase to call. They also froze my entire banking account until this gets cleared up. They will not return my check to me or allow me to pull my money out of my chase checking account. The Bank that issued the check is verified and legitimate. Please help me resolve this issue with Chase. The bank that issued my check is : XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had fraudulent charges on my chase debit card from XXXXXXXX phone company. I let my bank know of these fraudulent charges, but they are saying the transaction was authorized.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX I was scheduling payment on my Visa credit card account with JPMorgan Chase Bank , N.A . I have no issue with the charge activities listed on the account. Next to the charges was a hyperlink, stating " Pay over time. '' I clicked on this link to explore options. I next saw a payment plan program with 6, 12, and 18 month payment options. I clicked on the 18 month plan to further explore. I did not know I was being locked into their 18-month payment plan just by clicking on that information box. I tried to cancel while online, but could not find any way to do this, so I called customer service by phone. I was told by their representative " my plan is non-cancellable ''. I did not think this was right, and asked to speak with a supervisor. After a long waiting period, a person identifying herself as XXXX came on the line. I explained that I had somehow inadvertently been locked into a " My Chase Plan '', that I was only reading the online account information, and did not intentionally sign up for any payment plan. I told her I did not want this plan, and told her the previous representative told me the plan was non-cancellable. She told me the same thing, and hung up on me.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX I Filed Claim with Chase Bank regarding the release of {$2400.00}, posted to our account on XX/XX/XXXX to an unidentified " depositing bank '' who released {$2400.00} to a party not the payee of the check... .all of which was unauthorized by us the maker of the check. On XX/XX/XXXX Chase Bank Claims Dept acknowledged our check claim, stating two major points : ( 1 ) " The bank that accepted ( our ) check is responsible for repayment. ( 2 ) " It may take 90 days or more to resolve '' ( a copy of this notice can be provided for verification ) On XX/XX/XXXX Chase Bank Claims Dept Update, stating two major points : ( 1 ) " As we explained when we opened your claim, the depositing bank is responsible for repayment. '' ( 2 ) " If we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered '' ( copy of this notice can be provided ) On XX/XX/XXXX Chase Bank Claims Dept Update : the emphasis again is, " If we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be be recovered '' At this point in time, I can only conclude from these brief notices that Chase Claims Dept is only interested in closing the claim in the 90 day period and not as was said in the notice dated XX/XX/XXXX, stating, " It may take 90 days or more to resolve ''. In a future communication ( s ) I can provide CFPB with additional information, copies of which support the above. Thank you
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A