Date Received: 2023-04-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had an account with JP Morgan, Chase. It was only a debit card around XXXX or XXXX I went to XXXX in XXXX and have a double charge on my card for the same amount for a hotel room. I explain to Chase that he is a double charge and people here do not speak English and theyre telling me to contact my bank because it shouldve just been a single charge so XXXX explaining to Chase over the phone here I would like to dispute the charge because theyre saying They dont know why it became a double charge may be because of the car charging system after I filed a dispute to chase they ended up excepting the dispute and giving the money back but after I came back from XXXX, they close down my account ever since then Ive been trying XXXX find a way to resolve the issue even offering the money bag so I can use Chase as a bank. I own trucking business now and would like to open a business account with them and when I go to the branch or tried to call someone in customer service, they are all say that they put me in a permanent ban which I dont think is fair, even though I offer the money back, I didnt have any credit cards or anything like that where I had to use their money I had only a debit card where I always deposited my own money
Company Response:
State: MI
Zip: 48864
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, Complaint against JPMorgan Chase bank, address XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX, doubt for helping scammers collect money and money laundering. One of my clients was scammed into paying to a scammer 's account in JP Morgan chase bankon date XXXX XXXX, and on date XXXX XXXX payment arrived on the fraud bank account, JP Morgan chase bank allow Open an account without formal company authorization, doubt without verifying the authenticity of the account company, then cause our customer lose USD XXXX. Just hope can help us to help our customer compensation for customer losses.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX XXXX as the bank alleged, someone pretending to be me used my ATM card numbers and stole {$5400.00} from my checking account. I was hospitalized then ; I had no idea I was victimized. After realizing this crime, I discovered my phones and other credit instruments were compromised. I can cite Chase Bank ; they claimed that they did not know how the theft occurred on Saturday, XX/XX/XXXX, and again on Sunday, XX/XX/2023, and that they could not freeze or stop the ATM card. I was aghas and wholly devasted. I immediately went into the bank and spoke with my banker, XXXX, at the XXXX XXXX XXXX ; he told me they were not honest with me and that the theft resulted from skimming or ACH fraud. While I was with the Branch Manager, XXXX and XXXX finalized another account. The disputes department was speaking with a fraudster. I have a rare illness I pay for my co-pays. I moved to this bank and deposited {$50000.00}, and because of my race, I have discovered, as with all big banks XXXX depositors are victimized, and their money is skimmed off and never returned. This is systemic and deliberate. I will never do business with any large bank again. XXXX is a business in America. I never authorized any withdrawals from my account and if someone took my money it was due to fraud this bank is rude and XXXX They promise to return money stolen by fraud to everyone except XXXX XXXX women.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing to report JPMorgan Chase Bank for refusing to provide benefits clearly stated in their product agreement, and for failing to protect their customer ( myself ) against unauthorized and fraudulent credit card charges. On XX/XX/2023 I filed a dispute with JPMorgan Chase Bank for an unauthorized charge on my Chase Amazon Visa Signature credit card from vendor XXXX XXXX XXXX in the amount of {$680.00}. I was informed by JPMorgan Chase Bank that the fraudulent transaction was performed on XX/XX/2023 in store at a XXXX location. They also advised me of another charge that was attempted in the sum of {$630.00} on the same day which they declined as they suspected fraud. JPMorgan Chase Bank promptly canceled my Chase credit card, mailed me a replacement card, and started an investigation on the matter. A temporary credit for this amount was placed on my account. No further communication was received from JPMorgan Chase Bank. On XX/XX/2023 I checked my credit card statement and saw that the fraudulent charge had been put back onto my account. I immediately called JPMorgan Chase Bank to find out why this charge had been put back on and was advised that they had decided that it wasnt a fraudulent charge. They advised me that they had obtained a receipt for the transaction from XXXX and had decided that they were legitimate charges. I asked them what the charges were for and they advised me that there was some bedding and sheets, a frame and then a visa debit card load of {$470.00} and a gift card for XXXX XXXX House for {$50.00}. I assured them that I had not made these purchases and expressed my concern and disappointment that they had come to this conclusion without even speaking to me to discuss the matter or informing me of their decision. They agreed to reopen the case and advised me that someone would contact me within 4 business days. After the phone call I did some internet searching as this has never happened to be before and I had no idea what to do. I read that I needed to file a police report, which I did immediately and then called JPMorgan Chase back and provided them with the case number, I also emailed the case number to them and asked them to reach out to me if they needed any more information. On XX/XX/2023 I received a call from JPMorgan Chase Fraud department, the lady advised me that the transaction was an online or phone transaction as the credit card number had been keyed in and that she needed me to stay on the phone while she contacted XXXX so that they could give me the address that the order was sent to. I agreed and waited for the call to be connected with XXXX, once connected and while the lady from the fraud department was listening I spoke to the XXXX representative and gave them the details that I had regarding the transaction. They lady advised that she couldnt find any record of this transaction for an online purchase on that date. She gave us another number to contact for the billing department that may be able to assist further, she said that she would have put us through but the wait could be hours. The lady from the Fraud department asked me to contact them, I am assuming that she didnt want to wait on hold for hours and let her know the address once I have it. I advised her that I would be happier if she was present during the call and asked her to contact them and to call me once connected and I would request the information. I told her that I would make sure I was available all day to take her call. As I had not heard anything by the end of the day, I ended up calling the number myself, I got through within a couple of minutes. The lady from the billing department looked up the transaction and advised me that it was not an online transaction, it was in fact an instore transaction. She gave me the location of the store so that I could contact them to find out more information. I then contacted the store where the transaction had taken place and obtained a receipt of the purchase. I am not sure why the lady from the fraud department had not known that it was an instore transaction but I can only assume that she had not looked at the case thoroughly as I had previously been told when filing the initial claim that it was an instore transaction. I have still not received a call back from the fraud department, I have no way to contact them directly and I am concerned that my case is not being delt with in a satisfactory manner and now have little faith that a full and through investigation will take place. I am extremely upset by this whole incident, I have never had credit card fraud happen to me and the first time that it has, I have had JPMorgan Chase tell me that the charge was not fraudulent. I know what purchases I have made and I know for a fact that I did not authorize this charge. I have had my card in my possession the whole time so have no idea how it could have been used. I use this credit card very little and generally for smaller purchases. I have never loaded a debit card for hundreds of dollars and am shocked that this in itself didnt raise concerns both from XXXX and also JPMorgan Chases fraud department that this could possibly be a fraudulent transaction. In addition to this JPMorgan Chase had at almost the same time declined another transaction for {$630.00} as they suspected fraud. How they can now say that the charge was not fraudulent is beyond me, they have provided me with no explanation of their reasons, had no communication with me prior to making their decision. If they look at all my previous transactions over the last year they can see that I only use this card for smaller transactions, nearly all under {$200.00}. I use this card mainly for my hobby business purchases and there is only one company that I regularly order from where a charge is over {$200.00}. JPMorgan Chase Bank proudly advertises their zero Liability Protection stating on their website and in their cardholder agreement that zero Liability Protection means you wont be held responsible for unauthorized charges made with your card or account information. Despite this clear statement on their website and the cardholder agreement, JPMorgan Chase Bank failed/refused to protect me against an obvious credit card fraud. This is some of the most upsetting, unprofessional and disrespectful behavior I have ever experienced. One of the reasons that I have a credit card with a large back like Chase is for the extra protection and peace of mind which comes with these cards. My request is for the charge of {$680.00} to be removed from my credit card account and for JPMorgan Chase to stand by their promise of zero Liability Protection for unauthorized charges.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I was working for XXXX XXXX and am no longer working for them. I signed up for COBRA for vision/eye care. I signed up for direct deduction from my checking account on XX/XX/2023. At this time I had my account debited for {$72.00}. Then on XX/XX/XXXX I was also debited {$72.00}. The company listed for the debit on the account is listed on my statement as XXXX XXXX XXXX XXXX. I brought this to XXXX customer service and they were unable to see the deduction on XX/XX/XXXX. I sent several copies of my bank statement but they could not open it. I eventually contacted Chase and they challenged and removed the charge from XX/XX/XXXX. XXXX then recharged the amount + the next 2 months which totaled {$100.00} but still has not acknowledged the deduction of {$72.00} on XX/XX/XXXX. Chase refused to remove/challenge the XX/XX/XXXX charge and told me to speak with XXXX XXXX tells me they do not see any money received from my account on XX/XX/XXXX and tells me to deal with my bank. The last email from XXXX XXXX at XXXX acknowledge everything but the XX/XX/XXXX deduction of {$72.00} and was sign at the end with TAKE CARE. I am caught between 2 entities that want me to deal with the other and will not contact each other to assist. XXXX is stubborn and refuses to acknowledge transaction they can not see and Chase is unprofessional in refusing to assist a long time customer even though they have the proof that I need. XXXX has acknowledge receipt of my bank statement but has still not addresses the XX/XX/XXXX deduction. There are 2 XXXX case # 's because they closed the first and had to open a second when I complained again XXXX First case # XXXX and second # XXXX Chase claim # XXXX
Company Response:
State: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX, I XXXX XXXX entered Into a consumer credit transaction XX/XX/, Chase Bank which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692XXXX, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase JP Morgan Bank shows me getting overdraft fee revese dispute while my account is still positive fraud investagation dispute. The fee came from an unauthorized hold on my checking and saving account that was removed. I was explicitly told by a Chase representative that I will still be charged an overdraft fee even though the charge was removed from my account Chase is routinely stealing from their customer 's bank accounts via illegal junk fraudulent or unauthorized charge nothing is being done about it. My account was closed without my knowledge with a balance of {$1200.00} fraudlent and unauthorized charges, overdrafted fee and sent to collections and reporting to chex system, which in no way states that customers must pay fees for fraudulent or unauthorized charges.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: REFUSED TO REMOVE FRAUDELANT LOAN. POLICE REPORT WAS PROVIDED
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been having trouble documenting all of what happened within the 30 minute allotted time and also submitting this because i is deleting the whole thing. Briefly : chase bank has changed in such a way that it is not providing information or support to their customers despite many attempts. They have persons that do not have a clue as to how to help anyone beyond the information that I could glean from the website and XXXX. It cost me a lot of money, time and emotional distress and damage to mine and my daughters credit rating and resulted in a snow ball effect that I am still dealing with. I got sick. I am the only person who does the bills. I was convinced by companies to do the automatic payments on everything some even required this. I used designated accounts for this purpose to try to keep it all straight. An error of some sort created a domino effect. I transferred money from an outside account and it took about 14 days to clear. This caused items to be returned and fees attached and I was not aware of this for sometime. When I figured out what happened I attempted to go to the bank. No one was available to help and I was directed to the 800 number and/or their app. After many many many attempts and this happening in months of issues and being transferred to hold department and speaking with them and being told that the 12-14 day hold was everything to do with XX/XX/11 up to being policy to nothing was on hold at that moment and they could not help without something being on hold and 5 trips to the bank. Numerous emails that were rude and flippant and condescending. With we are processing your quick deposit enlisting the other bank to call them directly to explain things and to see how we could speed up this process. I finally learned from yet another bank that I could link the accounts thus avoiding this whole mess. They also returned items presented after the deposit where they could see there was funds. They never made any of the amount deposited available and our credit cards that are chase or synchrony owned by chase were canceled and fees on top of fees on top of fees. Our credit is ruined and now that I am a little better I am trying to fix it. I have called all of them many times and tried to even have them accept part of the money and I would continue payments. I have continued to pay all this time. On top of that they didnt return a XXXX dollar charge that was XXXX suspicious and there was no funds for. I have all documentation to support all of this so do they!
Company Response:
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A