Date Received: 2023-03-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: JPMorgan Chase Bank sent my credit card information to XXXX XXXX XXXX who who served me with a small claims citation at my home through a private server who did not even ask for my signature or obtain any verification of the date/time I was served ( XXXX XXXX XXXX approx. XXXX ). The claim stated that I owed XXXX and that my card had a limit of XXXX. I thought it was a scam, as my card never had a limit beyond a few thousand dollars and the last time I used it was for a family vacation in XXXX and we had since paid it off and not used it again. I attempted to contact Chase to report my card as lost or stolen but the automated message said to call back during business hours XXXX XXXX XXXX XXXX ). I called XXXX XXXX XXXX and Chase told me they could not speak to me as the debt had been turned over to XXXX XXXX XXXX. I explained I had not used the card since XXXX and believed it to have been paid off and said I wanted to report fraud, as well as the credit limit appeared to be well beyond anything I qualified for and they again refused to provide any information. I was advised to call XXXX XXXX XXXX. I called them XXXX XXXX XXXX as well, and they also refused to give me any information. They said I had to go to court. I asked them how I could present in court with no idea what these charges were or when they were incurred. They said I could request the info but that by law they had up to 30 days to respond in writing and mail their response to me. I asked how they could have up to 30 days to respond when I had only 14 days to present in court from the time I was served. They just reiterated they had 30 days. I asked if I could have an email or something in writing stating that I requested my information and they said no, they could only provide verbal confirmation. So on XXXX XX/XX/XXXX I printed out my response as a defendant stating there is a defect of parties, plaintiff, or defendant ( I am not the person who incurred the debt or who placed charges on the account ) as that seemed the best of the optional responses. I submitted this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. I also mailed a certified letter including a copy of my plea to the attorney identifies as the plaintiffs attorney, XXXX XXXX XXXX XXXX XXXX Texas. I have yet to receive any information regarding what charges were made, when they were made, or why/how the credit limit was drastically raised. At no time did I receive any email or postal mail notification of any type of debt, of Chase or any collection agency attempting to collect on a debt, or any notification of my account being closed. The first correspondence I had was being served at my home and I am very upset, having no idea what this is in regards to. I appreciate any assistance in trying to resolve this matter and discover who in fact made fraudulent charges on my card.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A person on XXXX that I follow retweeted a person. I reached out to that person and the said they were part of insurance company and had unclaimed funds for me. They sent a check and some was cleared to use that day and they asked me to send a XXXX percent of the check to them and keep I can keep the rest. The next day I sent the rest only keeping about XXXX percent of the check. The full amount of the check was XXXX. After a couple of days chase locked my account. I went to chase bank and After I talked to them on the phone and saw them in person they said I had to pay the amount that's overdraft. I tried to open a new account with XXXX XXXX XXXXXXXX and was declined. I don't have the money to pay the amount to chase even after showing them the proof that I was tricked and scammed into this situation but they wanted to hear no part of it and said I have to pay the full amount back.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I used my Chase Sapphire Reserve credit card for a military moving deposit to XXXX XXXX XXXX as XXXX separate transactions, {$2500.00} on XX/XX/2021 and {$2200.00} on XX/XX/2021. The contract was to pay for moving BY WEIGHT. This was agreed upon up front with the moving company because the US Army was to be reimbursing the move as an XXXX XXXX XXXX move and they only reimburse by weight and not by volume. On the day of the move XXXX XXXX XXXX contracted the pick up to a third party company who loaded the truck then gave an estimate for more than double the price as charged by volume. I called the coordinator to dispute this who would not help. The third party moving company than tried to extort me for {$1000.00} in cash to get my stuff back off the truck requiring me to call the police. The movers eventually agreed to take my stuff back off the truck under the threat of being charged with theft by the present police officers. I did not request to cancel the move. I wanted the agreed upon charge by weight but XXXX XXXX XXXX treated it as I willingly cancelled the move and refused to refund me the deposits. Chase refused to chargeback my deposits saying while I may have a valid dispute with the merchant, they were valid charges despite the merchant not adhering to the agreed upon moving charge by weight and not volume. I tried to contact the merchant who even has it in their contract that deposits can be used for future moves if not returned and they do not return any of my emails or calls.
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i made withdrawals for XXXX in XX/XX/2017 and in XX/XX/2017 can you identify where the money was applied
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On the date of XX/XX/2023, I opened the Chase checking and saving accounts, and I made two online transactions from my personal XXXX checking to the accounts, with the amount of {$2000.00} and {$16000.00}, respectively. The transactions were rejected so I called for the help on the date of XX/XX/2023. The agent advised me to do the transactions again so that these transactions can be activated on her end when speaking to the Fraud team. I followed her advices and made the transactions again. After that, my call was cut from the agent when she was on holding my call while working with the Fraud team. And I got an email saying that my Chase online account was locked because of these suspicious multiple transitions. Then, I called the Chase fraud team for unlocking my account. However, the agent in the fraud team personally thought that I was suspicious even that I gave him the numbers of two of my credit cards and answered correctly on all the security questions. He initiated the process of closing all my Chase credit cards and accounts. He mentioned that I could never reactivate both of the credit car and checking/saving accounts with the Chase in the future. He was being XXXX when asking me if I was calling from XXXX, and said that I was suspicious because of the accent. I would like to seek for the help to protect my rights and my credit score.
Company Response:
State: PA
Zip: 15213
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Had a Chase credit card for over 20 years. Never late. Card was suddenly closed
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello, I got a car loan from XXXX XXXX but they charged me twice when I contacted them they said that they refunded my money but there is nothing my account went to the negative amount after that I contacted my bank which is Chase bank to dispute one of they do nothing they are acting like scammers.I am tired of dealing big these liars. I need my money to pay other bills My Chase account number is XXXX XXXX account number is XXXX Total Amount is {$59000.00}
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: FUNDS WERE ILLEGALLY TRANSFERED FROM MY CHASE BANK SAVINGS ACCOUNT TO A THIRD PARTY, XXXX XXXX.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Several months ago we received a letter from JP Morgan Chase Bank informing us that there was an issue with a trust that we have on file with the bank. The letter stated that our checking account would be frozen if the issue was not addressed in a timely manner. We brought the trust documents to our branch where we were assured that the matter would be resolved. Several weeks later we received the same letter. We brought our documents back to the branch and again we were given the same assurance. A few weeks later we received a third letter from Chase and went through the same procedure one more time. Finally Chase froze our checking account without prior notification or warning. Chase took this action because the names on the trust and on our bank accounts were not identical. The bank is entirely responsible for this error. The freeze caused automatic payments originating from our checking account to be withheld. We incurred a convenience fee of {$3.00} from XXXX XXXX XXXX XXXXXXXX and a {$25.00} dishonored payment fee from the XXXX XXXX XXXX XXXX XXXX Department. We requested that the bank reimburse us for these fees in addition to compensation for the aggravation and embarrassment we experienced as a result of their mistake. We subsequently received a phone call from the banks complaint department informing us of their receipt of our formal complaint. We were told Chase Bank is not liable for these errors and owes us nothing. As longtime customers of Chase, we are appalled at the treatment we received. We believe that we should be compensated for our expenses and the ordeal we experienced.
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have a personal checking account with JP Morgan Chase. One day I opened my Chase app and on the front page with my account information I received a message saying I had been " pre-approved for a Chase Freedom credit card. '' I thought it was just a marketing notice and looked for an asterisk or symbol denoting there were conditions or a notice saying " pending a credit check, etc. '' But none of those denotations accompanied the notification on my app so I completed the shortened application process ( because the notice said I was PRE-APPROVED ) and waited to receive notification regarding the amount of my credit limit and when I would receive the card. Instead, I received a rejection letter ( no credit card ), a hard inquiry on my credit report which dinged my score and dropped it substantively. I NEVER would have applied for the card had it not said I was already pre-approved. And now this hard inquiry will remain on my credit report lowering my score.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A