Date Received: 2023-03-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: A phone call was received from a representative from the fraud department on XX/XX/23. The number that called me was the same number listed in the back of my " trusted '' debit card, XXXX ( XXXX ) XXXX. The representative ( scammer ) advised that there were two wires scheduled to the amount of {$6500.00} each and proceed to confirm if I authorized these wires, I replied no, that I never authorized these wires. He expressed his concerns and proceeded to ask if I provided my online information, bank info or routing number to anyone. I replied no, no one has my information. He then proceeded to act concerned and expressed that there is obvious fraudulent activity on the account. To verify me as a client, he sent a code to my phone with an OTP code, just like Chase typically does with activity like this. He asked if I knew anyone name XXXX XXXX I replied no, I had no relation with anyone with that name and he proceeded to explain this person was trying to wire that amount to her XXXX XXXX XXXX account. He assured me that this will be taken care of and that my account was obviously compromised, and that for someone to make that type of request, my routing number and account number may have been compromised. He then placed me on hold as he spoke to a " Manager '' who was going to be the only one able to make this reverse and cancel that wire. The " manager 's '' name was XXXX XXXX. Then instructed me to move my funds over to one account, so that they can issue a new account. Then proceeded to walk me how to " stop '' this fraudulent activity and set up the wire and advised that the money will not leave the account, but it was a necessary step to stop the fraud and get my account secured again and reverse the pending wire requests of {$6500.00}. The person I spoke with was very patient, apologetic and the situation was very believable especially since the call I received was from a " trusted '' customer service number. I was in a state of panic as the funds in my account is all I have and being told that there was fraudulent activity was very scary. The representative also advised that a new debit card was issued and even confirmed my mailing address to me. The representative then advised that I will be contacted shortly for a follow up on the fraudulent activity. Once I realized that I did not receive a call back, I immediately contacted the same number that called me at XXXX where I was connected with a rep who had no idea what I was talking about and that's when I confirmed that I was scammed. The phone call with the scammer was from XXXX central time and it lasted for 1hr and 14 minutes. The actual wire transaction was placed towards the end of the call for a total of {$14000.00}. I explained to the representative that I was scammed and needed to speak to someone who can help me get my money back. At this point, I was NOT confident that I was speaking to an actual rep, as I called the same number that called prior. By XXXX central time, was transferred a few times before I was able to speak to a rep who placed a recall on the wire and connected me to a rep who filed a claim for me and advised me to go to my local branch and file an Identity Theft package. The representative at the branch had me fill out paperwork which he faxed over to the claims department. No further instructions were given, no further guidance was provided. All that was said was to sit and wait until XXXX XXXX XXXX replies to the recall which may take up to 3 business days and to not worry, but that there is no guarantee that my money will be returned. The next day, XX/XX/23 at XXXX central time, I called the claims department to see if there were any other follow-ups on the claim. They advised that all they do is file the claim and the wire department takes care of the rest. They had no further information or even access to the wire department as they explained that ever since covid the wire department no longer takes phone calls. They advised that this process might take 24-48 hours and the only way to contact them was through my Secure Message Center which had a turnaround time of 24 hours- I have still not received any correspondence through the secure message center and I sent two emails through there advising to stop the wire as it was a scam. This was a back and forth between departments that took 2 hours and 3 minutes. Multiple supervisors from every department were spoken to and none had any resolution or urgency to the matter. We asked one of the supervisors, XXXX, from the claims department to provide the number to corporate in which he advised that were is no number for corporate. After multiple conversations with different department, we were finally transferred over to a corporate representative who also filed another claim regarding the matter yet still had no resolution except to wait on the recall response. I could not stop stressing the fact that even though this was a wire conducted by me, I was under the impression that I was speaking to a trusted fraud representative as the number who called me and sent OTP notifications were all the same as the " trusted '' bank. The wire is already a red flag as I have never sent a wire, let alone a wire for the entire amount in my account. The fraud department advised that there was an alert sent to me, and that the code provided was entered which allowed the wire to go through. If such scam can disguise their phone number to reflect a trusted facility, it is very likely that message was bypassed. As a customer I felt dismissed and not heard and there should have been more done to confirm that the wire was fraudulent. I requested for my account to be restricted and placed on a fraud alert. I no longer have online access, but I obtain any necessary documentation needed and I can obtain any other information necessary.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB CARD Fraudulent pulled a credit inquiry on XX/XX/2022 that i did no know about.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Money was transferred out of our Chase bank accounts by XXXX money orders on 4 separate money orders on XX/XX/XXXX XXXX XXXX XXXX of XXXX Three separate transfers on the XXXX and one on the XXXX of XXXX, XXXX totaling {$6800.00}. We did not authorize the transactions. Chase says we authorized these transactions, so the case is closed. I also reached out to XXXX. They said they couldnt find records of these money orders. Only if the authorities reach out to them with our case number, will they then attempt to trace these transactions. I also filed a complaint with the XXXX XXXX ( Michigan ) Sheriffs Department. XXXX XXXX Sheriff tracking number : XXXX XXXX case number : XXXX
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The bank issued a credit for an online order which was placed and there was a problem with the order. At the time when the items were supposed to be delivered, the online account had an issue with the login and the email address because of identity theft issues in the past. Regardless that the items were not delivered, and the credit was processed on an old checking account, one of the bankers went ahead and reversed the credit amount. The date that was given in the most recent email from Chase was XX/XX/2023 and I was told that the bank and the merchant have resolved this issue and it is none of my business now. The reversed credit for items not received is not an accurate representation of what was or not delivered as a service for online shopping. After speaking with customer service today, the actual receipt and the problems with delivery are clearly noted by the XXXX XXXX. However, the amount which has been deducted from not the same checking, but a completely separate checking account differs from the final receipt. I have been billed and rebilled for more than the items which were delivered on my membership purchases. I am attaching the actual receipt and also a copy of the transaction the bank has charged me for twice.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I have a new inquiry from JPMCB auto finance. Im not sure if that means someone has used my credit to open an account or why it was even pulled there. I have no accounts with chase banks whatsoever and hope it doesnt connect with my credit going down XXXX whole points afterwards.
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, an unknown party purchased {$1000.00} worth of products using my credit card number on the online portal for XXXX XXXX. Sometime later, that order was physically picked up in a store far from my home by someone who was not me. XXXX XXXX does not appear to have asked for any proof of identification for the pickup. Video monitoring for the pickup ( which surely would have revealed that the person who picked up the order was not me ) appears to have been broken or is for some other reason inaccessible. I reported the transaction as fraudulent to my bank ( Chase ) and received a credit back for the charge while they opened an investigation on the case. Today, two months later, I received notification from Chase that I was being charged for the purchase again. I do not know the status of their investigation, and I will not be able to find out what happened until next Monday. I will pursue that, but predict I will be faced with many difficulties in reopening the case again by myself. XXXX XXXX was similarly unhelpful in preparing a case for me, but I don't know what really happened. I need some help.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: When I had a check to deposit I had {$5000.00} to deposit in a checking account no one was available to help me and I left upset only one teller and no bankers were available very unprofessional that J.P. Morgan chase has implented on their low staffing I understand this world is nuts I cant work for a certain reason I wont discuss but I will say this when u have low staff try and call some one dont show them away and I just was very disappointed I was trying to open up an account with chase because I was having problems with my previous bank XXXX XXXX so I was ready to start a new account and I was shoed away and that made me upset so hopefully this wont happen to another customer its poor judgement needs to be worked on especially when XXXX XXXX and have XXXX its very challenging when some one cant help u its really sad thats all I have just have some class and help potential customers
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Deposited {$30000.00} cashiers check 3 days ago - the first overnight they made the initial transaction AND 10 more including additionally warning me of being overdrawn - then the next morning blaming ME!! {$2000.00} disappeared for 24 hours. After 4 hours of discussion the missing {$2000.00} reappeared and 10 transactions disappeared. It got fixed overnight the next day. Now the correct deposit amount is showing as on hold with no verbal commitment of any availability and on the system ( app ) XXXX. Another 7 days away. I have asked to cancel the deposit and give me my check back. They will not respond.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A