Date Received: 2023-03-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by someone who used this 3 companies names in 2 different banks : ( XXXX XXXX XXXX AND XXXX XXXX ) at XXXX XXXX XXXX ) based in California under XXXX clients. And the other company is XXXX XXXX XXXX. WITH JPMORGAN BANK. also under XXXX clients ) I tried to get my money through my bank but these banks are refusing giving me my XXXX $ back. ( I got pictures, bank accounts, dates, names, ) all I want is my money back.
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I was looking at my statement & I noticed that on XX/XX/XXXX there were 31 withdrawals from my savings account, 28 in {$100.00} withdrawals and 2 in {$80.00} & 1 in {$40.00} and on XXXX there were 30 withdrawals of {$100.00} from my savings account. I called the Chase number on the back of my debit card and told them I hadn't done the withdrawals and they were unauthorized. I realized then that a call I received on XX/XX/XXXX must have been a fraud call. I received a call from a person saying they were with Chase bank, they stated there was a charge on my card in XXXX, GA and wanted to know if it was a legit charge, I told them no and they stated they needed to verify the card to cancel it and send me a new one and they asked for the last four numbers of the card which I gave to them. They said a new card would be mailed out and I should get it in a few days. I said Ok and hung up. When I talked to Chase rep on the XXXX they said they would look into it and let me know in 4 -6 business days. I waited till XX/XX/XXXX and noticed that on XX/XX/XXXX they had reimbursed me {$3000.00} for the XX/XX/XXXX withdrawals. I called them and asked why I hadn't received the {$3000.00} for the XX/XX/XXXX withdrawals and the 1st rep couldn't answer it so she said she would escalate it and send me to a supervisor. The person I talked to stated that the 1st part had been approved and she checked and said the 2nd part had just been approved and should be in my account in the next day or two. On about XXXX the {$3000.00} was put into my account, then on about XX/XX/XXXX I noticed that the 1st deposit of {$3200.00} had been removed from my account. I called them immediately and they then told me that the 1st approval was only a temp and that they had rejected the claim and took back the funds. I argued that they had told me it was approved but they wouldn't change. I immediately went and withdrew all the rest of my funds, and I closed all my accounts on XX/XX/XXXX. I contend that 1. ) The transactions were never authorized 2. ) I was told by Chase management that the funds were approved, and I would be refunded, they did refund then they backed out of their agreement 3. ) Their fraud department should have noticed the unusual withdrawals and notified me before approving them all. I moved my accounts to make sure they did not take the 2nd {$3000.00} but I want the {$3200.00} back.
Company Response:
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquires without my knowledge and or consent. Please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have done business with Chase for nearly XXXX decades with no issues until now. As of XX/XX/XXXX ( to my knowledge ), my primary checking account with them has been frozen, and I can not pay my Chase credit cards, other bills, or utilities or withdraw any of my own funds. Chase still needs to provide me with an answer as to why, will not explain the situation, and will not provide me with a timeline. My funds are essentially being held XXXX with my most recent paycheck, unfortunately being a part of this situation. I was not alerted to this freeze via a push notification, a text, an email, a secure message, or contacted in any way until I noticed a failure to transfer funds or errors in my Chase app. An in-person visit to my local Chase bank was mandated and made no difference other than the representative allowing me to pay my Chase credit card through his workstation. Again, I can not pay my Chase credit card statements now. This freeze has also resulted in my new money market account with XXXX bank failing to transfer scheduled funds and has resulted in a service suspension with my new account. This is affecting my reputation as a new customer and is placing immense strain on all my finances.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/XXXX XXXX - XXXX XXXX Chase credit card offered a balance transfer promotion that was VERY deceptive. If consumers took advantage of using the promotional checks they would receive 0 % until XX/XX/XXXX. Unfortunately, the very fine print indicated if you had an existing balance on the credit card when you wrote the check or took advantage of the promotional offer you would then forfeit your purchase grace period of existing charges and be charged a daily interest rate on all purchases. Prior to accepting the promotional offer we always paid off balances each month and never incurred interest charges. On the XXXX statement we realized the scam charges and we called Chase to complain and they said these are the new terms because we took advantage of the offer. Since XXXX we have been working to pay each month the amount we owe in order to not be charged additional daily interest from XXXX purchases. We have to call customer service each month and speak with a representative to obtain the amount to pay in order to not be charged extra FEES. We no longer use this credit card for purchases but still have an outstanding balance transfer we are paying off at 0 %. They are still charging us interest from prior purchases and their billing statements are not clear on how much to pay to not be charged extra each month. The latest billing statement indicated we currently owe {$0.00} for the promotional offer, but in reality we currently have a balance. I called on XX/XX/XXXX to complain and spoke with customer service and she said she's not sure why the statement isn't clear and it should show what our balance is for the 0 % offer. She said sorry. This in NOT acceptable practice to deceive consumers. I hope you look into this deceptive promotional offer and review their monthly billing statements. I'm sure we are not the only customers that have been taken advantage of and incurred numerous EXTRA charges. We have excellent credit and have been a long time customer of XXXX XXXX Chase, but NO LONGER!
Company Response:
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX keep sending me a {$10000.00} bill and I do not owe this debt.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : JP MORGAN CARD SERVICE AND XXXX XXXX XXXXXXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO XXXX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX XXXX XXXX I reached out to all XXXX credit bureaus plus the creditor which is XXXX XXXXT AND JPMCB CARD SERVICE. XXXX was successfully able to dispute and block the fraud account which is CREDIT FIRST AND JPMCB CARD SERVICE BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This is to report a case of my being shortchanged of {$100.00} by a Bank Teller. I am reporting this matter in order to be made whole of the missing {$100.00}, and to inform authorities of a fraudulent behavior of a teller and of a need for Bank corrective action for this kind of teller malfeasance. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bills from Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX. I was served by the Teller XXXX XXXX. Of the total, {$1300.00} in XXXX XXXX XXXX were of the older bills, so I requested the Teller to replace them with fresh/new XXXX XXXX which are better accepted abroad. When I received the new bills, it was only for a total of {$1200.00} instead of {$1300.00}. I pointed this out to the Teller, who instead of checking if the total of the older bills I gave him was {$1300.00}, questioned me about what I did with the missing {$100.00}. Then he said he can not check the total amount of older bills I gave him. I reported this matter to the Branch Manager, by the name of XXXX XXXX. I showed XXXX XXXX the total amount of cash I have, {$1900.00} of fresh/new XXXX from the Teller, and my folded {$100.00} bill in my wallet which I had going into the Bank. The Branch Manager said he can not check the video surveillance nor can he check how much of the older bills I exchanged with the Teller. He said he was going to get back to me after the end-of-day Thursday, XX/XX/XXXX. He did not call me back. I followed up with him in person on Friday, XX/XX/XXXX, but all he said was that he reported the matter for investigation by Corporate and that their cash balance at end of day did not have a discrepancy. What he could not say was what if the Teller, instead of putting {$1300.00} into his cash machine, simply put {$1200.00} in and slipped the missing {$100.00} aside for his own benefit. Such action would not have been caught by a tally of branch cash at the end of the day. We also asked XXXX XXXX if he can show us proof that he has indeed escalated the incident to his management, and he said, he can not give us such proof. For the record, I and my husband are long-term checking account clients at Chase Bank and have withdrawn cash using the Teller services on many occasions over so many years including at this particular Branch. This incident on XX/XX/XXXX is the first time we have experienced a shortfall in the cash that was given to us by a teller.
Company Response:
State: NJ
Zip: 07450
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I dispute the debt claimed by Chase Auto Finance and have requested validation of the debt. Despite my requests, Chase Auto Finance has failed to provide the necessary validation, which is a violation of the TILA and FDCPA. In order to resolve this matter, I am requesting that Chase Auto Finance provide me with the following documentation : a signed invoice and a copy of the contract signed by both parties, binding both parties, as well as verification of the debt from their actual accounting. Additionally, I reserve all of my lawful rights without prejudice and do not accept any contract unless it meets the four essential conditions for a legally binding contract, which are full disclosure, equal consideration, lawful terms and conditions, and the wet ink signatures of both parties. I am willing to pay any alleged financial obligations that I may lawfully owe, but only if Chase Auto Finance provides the required documentation and meets the essential conditions for a lawful contract in compliance with all applicable laws and regulations.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A