Date Received: 2023-03-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Every month I receive a check from the XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$240.00} ( for the past year, I deposit it into my Chase checking account using a mobile deposit. ) In XXXX, I received a check dated XX/XX/XXXX, and subsequently deposited it via mobile. At the end of the month, I saw that the deposit was not shown as a transaction to the account and called customer service at Chase. She said they never received the check, and told me to redeposit. I tried to redeposit but it said it was a duplicate. ( This was XX/XX/2023 ). I then submitted a Chase claim, which they denied because they keep saying the check is a duplicate, and my deposit shows XX/XX/XXXX ( yes, of course, because I deposit the same amount ( different check ) every month. ) They will not resolve.
Company Response:
State: CA
Zip: 92122
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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: On XX/XX/XXXX I ordered a TV online from a retailer through a website named XXXX the retailer was XXXX XXXX in XXXX, TN. The cost of the TV was for {$2400.00}. The TV was delivered on XXXX XXXX. Before TV arrival I had some issues with pricing. Contacted retailer explained my concern. They refunded {$50.00} to help wit issue. During this time I had order issues with TV not functioning well and notified that I would have to pay return shipping back. I filled a dispute with Chase Business Preferred Credit Card Visa. On XXXX XXXX I filed a dispute of charges with my Chase Visa Dispute department. The funds where returned to my account. On XXXX XXXX, the individual from the Retail store contacted asking me what was wrong with the TV and they most surely can return the TV at no fee or charge. She stated that the only way to do this would be to cancel the dispute with my credit card. The shipper contacted me and arranged for pick-up of TV on XX/XX/XXXX. I contacted Chase Dispute Department on XXXX XXXX and spoke to a specialist on the phone and explained that I was instructed to close the dispute in order to get a refund from the retailer. I expressed some concerns if this was the appropriate way of handling this with the dispute department and asked for some advise if this would be an issue in the future if I for some reason did not receive my refund. The Chase Dispute specialist on the phone stated that these issues arise all the time and parties come to agreement. She stated that the only issue would be that dispute would have to be reopened by letter if need to reopen it. The specialist from Chase dispute department that day did not explain anything else to me of how in cancel the dispute I may not be able to get any help from the dispute department. So with the Chase Dispute specialist help that day I felt comfortable cancelling the dispute. On XX/XX/XXXX funds returned back to the retailer. In meanwhile Tv was delivered to warehouse on XXXX XXXX. On XX/XX/XXXX I contacted the retailer and was told that the charge was on hold by XXXX, XXXX XXXX XXXX. I was told it was on hold because case was not closed. I called the chase dispute department and spoke to supervisory on XXXX XXXX explaining that funds are not able to be returned because of a hold on funds. Even a conference call was attempted by myself with a somewhat reluctant supervisor to XXXX and we attempted to explain case was closed and refund was requested by retailer. On XX/XX/XXXX nothing had occurred on my refund and I called Chase Dispute department explaining my concern. I was told to draft a letter requesting reponing of my case. I immediately did that same day and uploaded it to the chase visa website. It took over 3 weeks to review the case, only for chase to close it immediately stating that it was too late for them to do anything because I canceled dispute initially. I called multiple time to try to speak with supervisory at the Chase Visa Dispute department and they all told me that the person that I spoke to the day I called to close my dispute should have informed me of what the consequences are for closing a dispute. I was not appropriately informed by the specialist at case dispute the day I called with concern about cancelling dispute. Till this day XX/XX/XXXX I still have not received my refund from this retailer of approx. {$2500.00} because the dispute was cancelled and unable to be reopened. I have been told by retailer on multiple emails that they received the Tv and have been trying to refund me but there are some problems on this transaction with XXXX stating to the retailer the case is still open and not resolved my the other bank, which would be Chase Visa. I have asked for my bank to try to help me resolve this by contacting XXXX to fix this problem but they refuse to do anything and unfortunately all I have had is many hours of frustration because of the day I called a listened to the Chase visa dispute specialist lack of information regarding what would happen if I cancelled this dispute.
Company Response:
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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 purchased carpet for the XXXX XXXX in XXXX of XXXX. The carpet was installed incorrectly and without the padding that was ordered was not installed. Instead, the carpet was installed directly over the concrete. I attempted to settle the issue with XXXX XXXX XXXX in XX/XX/XXXX but was unable to get a refund. I then disputed the charge with Chase bank and a credit was issued. Due to the contractor forging my signature on a completion document, the bank had initially sided with the merchant. The dispute was re-opened in XXXX of XXXX and the charge was canceled. On XXXX XXXX the charge was reapplied to my card and I am now unable to get a straight answer on how this happened. I have gone into a branch and they were not able to assist me either. I have attached a letter from a competing carpet company that explains the issues with the carpet installation, Along with a letter that I sent to the dispute department on
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XX/XX/1992 XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : JP MORGAN CHASE & CO. I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. Thank you, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have both personal and business checking accounts and credit cards with Chase bank- have been a customer for 10+ years. XX/XX/XXXX ( XXXX PST ) : I received four ( 4 ) emails from Chase that my contact information, email address, and phone numbers were changed. Note that I personally did not initiate, request, or approve of these changes. It was clear that someone had access to my account, first requested a change to my contact info and email address and subsequently changed my password. I was then locked out of my account, called a customer service representative through the credit card line at XXXX ( XXXX XXXX XXXX XXXX ) since the fraud department was closed and that representative helped me reset my password and gain access to the account. The following day ( today, XX/XX/XXXX ) I contacted Chase 's fraud department for several hours trying to understand what happened. After going back and forth with customer service representatives, they revealed that the fraudster called their customer service line, bypassed the security question ( via public record knowledge ) and was able to change the contact info without any additional security verification or measures in place. This all happened without any two-factor authentication with SMS or phone call, etc. The fraudster was then able to request a transfer of XXXX Chase Ultimate Rewards points to two separate accounts within Chase via phone call (! ) - again, with no notification to me or any other security measures. I am appalled at Chase 's lack of security within their online ecosystem and lack of protections and measures in place to prevent this. Almost all other credit card companies have better security to combat this basic fraud/scam.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of wire transfer fraud on XX/XX/2023 in the amounts of {$5000.00} to XXXX XXXX ( however, the wire transfer is written out to XXXX XXXX XXXX and Chase Bank did, in fact, release the funds despite the incorrect name on the account ) at XXXX XXXX XXXX and a within-bank wire transfer to XXXX XXXX in the amount of {$2500.00}. I was reached out to via telephone call by an alleged Chase Representative by the name of " XXXX [ Last name Unknown, starting with XXXX ] from the Chase service number indicated on the back of the card XXXX. This individual discussed the fraudulent charges with me and created a claim for reversal during the call, allegedly. " XXXX '' confirmed my identity and ensured that was calling from Chase by triggering secure messages within the Chase online banking application such that a pop-up from within the application for online banking came up prompting a Yes or No response to the question " are you on the phone currently with our representative? '' ( This may not be the exact wording but to this effect ) before I could continue to see information within my account. This triggers clearance for ongoing internal affairs at Chase Bank, such that the representative could file the claim. The representative created the claim and scheduled a call back for the following day, XX/XX/2023 at XXXX PST or XXXX EST. Upon not receiving this phone call follow-up, I called Chase Bank back to which I was told that they had no records of the call. They stated they filed a claim at this point, sent an expedited debit card, locked my online banking, and sent out a forgery packet. They refused to give me any details about what happens next, timings, expectations, or any details. I find this frustrating especially given the fact that one of the transfers was made to another Chase account, meaning they may likely be able to review the details of the transaction. On XX/XX/2023 I filed a police report and again visited a branch location wherein I was told that my claim was denied given that I 'authorized " the transfer. This is untrue and upon telling the branch manager, I was told there is no appeal process or further investigation that may take place. She indicated that a " wire recall ' was enacted and she 'escalated " the case. She called the claims dept with me present and received the same little to no information that I had received and told me to call the claims dept again. I went into the branch again and again received little to no information, the same information as before, however, during the third bank visit, their computer system did indicated that someone had called in under my account on XX/XX/2023 and there bank employees names were listed, per the employee I was working withhowever, none of these workers were people I had spoken with on the day of the occurrence. This supports the notion of social engineering and Chase Banks lack of internal security. Each time I reached out bank personnel in person, the employees stated that they had escalated my concerns and that I was supposed to receive calls from the bank that I have yet to receive. I strongly believe there is social engineering at play and someone within Chase Bank is working with a Fraudster to obtain funds, among other personal theories given the sheer amount of information they would've needed to obtain for these transactions to take place. I have made XXXX and the local XXXX XXXX XXXX Police report. Since, I have followed up by making reports with the Federal Trade Commission and the Nevada Attorney General. The funds that were stolen from me were funds from my XXXX student loan remainder after tuition and are the only finances that I currently can live on and Chase Bank doing nothing to inform me of the processes taking or assist me. Since this original complaint was written on XX/XX/2023, Chase has done nothing to return my FDIC-insured funds. I have now filed complaints with XXXX XXXX XXXX Police, the FBI XXXX report, The Consumer Financial Protection Bureau ( CFPB ), and The Federal Trade Commission. The CPFB has since closed my primary complaint given that Chase Bank responded following declining my claim stating that I authorized the wire transfers -- this did not occur. I will be making a new complaint to have this investigated deeper since the Bank did not communicate thoroughly, securely, or efficiently with me throughout the process. Examples of this include not receiving promised phone calls, Chase employees and executive team not being consistent in their security or identification protocols, nor did I receive a claim form or affidavit via mail until XX/XX/XXXX during this investigation, despite the letter being dated XX/XX/2023 which may have resulted in a hasty decision being made by Chase Bank. I have had extreme difficulty reaching anyone at the bank nor have I been provided with information that I have requested the few times I have been able to reach them.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase bank allowed XXXX XXXX XXXX Florida to take {$120.00} from my account. I had purchased something over a year ago and was not satisfied with the purchase. I told Chase it was an unauthorized charge and they placed the money back. I also told them many times to ban this company from doing it again. The company did it again and Chase is refusing to put my funds back. They send me 2 messages one stating they couldn't stop them from doing this and another saying they put a ban on this company from doing it. I have not received my {$120.00} placed back in my account. If I don't receive it, although it will be a hassle, I'll take my business elsewhere. Hope you can help. Thank you.
Company Response:
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with JP Morgan Chase Bank . For the record, I bank with XXXX XXXX ; the check is from JP Morgan Chase Bank. XXXX XXXX has assured me that Chase refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as Government Employee Badge. Hello, my name is XXXX XXXX and I am a new USPS employee. I deposited a check via mobile deposit into my XXXX XXXX account yesterday afternoon that was issued to me from my employer, the United States Postal Service, by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to XXXX XXXX- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that JP Morgan Chase Bank wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the Postal Services checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a USPS workers paycheck from the Postal Service, with ZERO explanation? This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my XXXX XXXX account. Consider this a final notice before my legal counsel files a complaint. CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General
Company Response:
State: KS
Zip: 667XX
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My concern is with JP Morgan Chase Bank not assisting me further with my dispute. I sent them two letters to explain that I made payments to attend a guided tour to XXXX XXXX by a reliable tour group called, XXXX XXXX XXXX, who went into insolvency on XX/XX/XXXX. My tour was rescheduled many times ( on the tour group 's suggestion ). It was last scheduled for XX/XX/XXXX. The bank has refused to refund multiple payments due to their time frame that has expired. There is a level of discretion in these decisions, as some of the customers have received a full refund. The focus of the dates of payments made in question should be reconsidered due to the unforeseen circumstances. The fact remains, there was an inability to travel due to COVID-19. I am disputing two payments made on XX/XX/XXXX for {$1400.00} total. The tour group went insolvent as of XX/XX/XXXX and that is the date that should be considered for decisions with regard to refund purposes.
Company Response:
State: NY
Zip: 12590
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A