Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit report and I have unauthorized credit inquiries on my credit report that needs to be removed from my credit report
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a business checking and savings accounts with Chase on XX/XX/XXXX. A month later, on XX/XX/XXXX another signer on the account, my partner for the business received a unauthorized withdrawal text from Chase Fraud Department trying to confirm if we attempted to withdrawal {$800.00} dollars from the account. We replied NO. I logged in to my Chase app and saw multiple pending withdrawal activities on the app. I called Chase Fraud department right away asking them to stop these transactions. The representative advised me that there is nothing they can do at this time, my money is secure, I would get the money back from chase, they are FDIC insured, I should try calling back on Monday. At first i was shocked with his answer, asked for his full name and he advised that he can not disclose. My partner called CHASE Fraud department and made sure that the cards have been closed. I went to the XXXX Branch and spoke with my banker on Monday, XX/XX/XXXX. He called the Chase Claims department and disputed all the charges on my checking and savings. I advised him that I never received my debit card and confirmed with him that I did not want a debit card or credit cards for this account. The total amount in dispute from my checking 's sum up to {$8200.00} and {$1000.00} dollars from my Savings account. Shortly Chase credited me the above amount and I was closely monitoring my account afraid to make any more deposits. On XX/XX/XXXX there was reversal transactions pending in my savings account and checking. Checking account was pending reversal of {$5200.00} dollars and Savings account was pending {$1000.00} dollars in reversal. Out of the total loss amount of {$9200.00} that occurred on XX/XX/XXXX, I was only credited {$3000.00} dollars to my account, because they only found that one transaction as unauthorized. I received a letter in the mail dated XX/XX/XXXX from Chase stating that they found " the transactions was processed according to the information you provided or was authorized '', " no adjustments will be made to your account at this time ''. I went to the XXXX branch immediately and spoke with the manger. He called the claims department for me and went thru the account details with me. He found that someone did go to a XXXX branch and changed telephone number and pin for a debit card. He also shared this information with the claims department and the answer he got was there's nothing they can do. I have been trying to resolve this matter with Chase employees in numerous attempts and have been no where. I kept trying to call and write to the claims department and does not get an answer. Chase has failed to secure my money as a financial institution and respond to my inquires.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My husband received a text stating " Free message : XXXX just attempted a transaction on your account? Answer Yes/NO, if it was not you, you will receive a verification call from our customer service number '' from XXXX ( XXXX ) XXXX. He answered " no '', and our XXXX account sent a {$1500.00} payment to his ex-wife out of our checking account. She then got a text asking if she was expecting a payment from him, she said yes ( we are paying her monthly {$150.00} for their daughter 's cell phone ), and then the funds were diverted to another account. I disputed this charge with my bank ( Chase Bank ). They initially credited our account with the stolen funds, but today they took back the {$1500.00} saying that the debit is valid because my husband approved the XXXX payment and it went to a person we've Venmoed before. This was around a month ago. XXXX said this is a common scam, but Chase said they will not give us our money back. They would not let me speak to the people who determined the matter, and they said I can only dispute the matter via fax or letter. They said they have sent me a letter in the mail with the next steps.
Company Response:
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have a used car business. I have merchant account with JP Morgan chase for my business. The bank kept holding the money starting from XX/XX/XXXX stating they are doing risk analysis for the account due to some transactions. After 10 days I received an email that the account will be closed and the funds will be on hold for 6 month without stating any reasons for closing the account. Many attempts from my side had been made to understand the reasons of closing or holding the money and i offered to support all documents needed which can proves that all transactions which are on hold are legal but unfortunately there was no cooperation from bank side stating that nothing i can do and i have to wait for 6 month to get my funds. The total amount which is on hold is almost {$27000.00}. This amount already hurts my business and causes alot of damages. We discovered later that the bank refunded big amount of the money to the customers who got the cars from us and when we call the bank and the representative keep lying and say no the bank still holding the money. This week on XX/XX/XXXX i received an email stating that the among on hold is only {$2900.00} which mean that there is almost {$24000.00} is lost or refunded to the customers without my authorization and when i call the bank representative again, they kept saying the whole amount still on hold however, some of the customers that i could reach that made purchase on these days confirmed that the money has been refunded to them and they were surprised why! I escalated the issue to the banks executive office but it has been almost two weeks and i am not getting any response back.
Company Response:
State: MD
Zip: 21204
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 using a debit or ATM card
Consumer Complaint: My debit card was stolen XX/XX/2023. Card ending in XXXX. I discovered this around the XXXX when I got back into town from taking my daughter to XXXX for her XXXX birthday. I called Chase to report it stolen. There were many small charges made while I was out of the area. The representative went line by line. I did not dispute every single charge because some subscriptions I have are auto paid with that card and are legitimate charges. I was credited for the fraudulent charges. A couple weeks later, I was charged again and the claim denied. During the call, I was transferred to an account executive that explained the legitimate charges had caused a denial because they were incorrectly marked as card present. She corrected those and we were later denied again. I was told theres no other option to fight this and so I am asking a higher power to step in.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX a little after XXXX I drove to the arm machine located in XXXX XXXX CA to make a deposit of XXXX. I went through the drive up atm inserted my card and deposited the cash. The machine kept making noises and I noticed it was taking longer than usual it then gave me a receipt saying the machine was out of order ( no signs on machine prior to use ) to contact my bank. I called a chase while still by the atm and filed claim. I was given a credit but today XX/XX/XXXX chase reversed the credit and claimed the deposit money I deposited was not there when they counted the money for that day. I now cant pay my mortgage and have fees accumulated due to this issue. I wanted re investigated or get a subpoena so they can review the video of that day!!!!
Company Response:
State: CA
Zip: 94801
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I hold a Chase Amazon credit card. My annual spend is over {$75000.00} a year and I have never paid a fee or an interest charge. On XX/XX/2023, I made a XXXX transaction for {$25.00}. {$25.00} was a payment to a friend and {$0.00} was a fee charged by XXXX. While that {$0.00} is an insane amount to charge for a fee, that is not why I am writing. I am writing because unbeknownst to me, and unlike what happens for XXXX, Chase treats a XXXX payment as a cash advance. As a result, Chase charged me a transaction fee of {$10.00} on the {$25.00} XXXX. That's a 39 % fee! Plus they charged {$0.00} in interest even before I could pay my bill. Luckily I caught this and the bank has generously offered to give me a " one-time '' credit for the transaction fee and interest. I'm writing because this fee is criminally high and the application of interest immediately after the transaction is absurd. I'm also writing because I do not feel like I was given adequate notice by either Chase or XXXX that this would occur. As an attorney, I have no problem ( other than the cost of my time ) fighting ridiculous fees and interest such as this, but I am concerned for the general public. This practice should be stopped and consumers should be protected from such fees and interest charges in the future. Please do something to make Chase stop this, or at least make a clear disclosure on the XXXX app. Also, I spoke to a customer service manager who said there was nothing he could do about it and he tried to place the blame on Visa and XXXX. Yet, he was happy to tell me that the {$10.00} fee and {$0.00} interest was valid and there was nothing he could do about it. Luckily the non-supervisor was willing to reverse the fee and the interest. What if I was not a lawyer? Do you think they reverse charges for folks who can not advocate for themselves? I doubt it. Thank you for taking the time to consider my complaint. XXXX XXXX
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: the address are not mine XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX and also XXXX XXXX XXXX XXXX ohio XXXX the credit bureaus do not have premission to report anything and i have the rights to my privacy!
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My wallet was lost and chase bank told me that the charges where valid and they can not help me to contacted the merchant because my claim is denied for no exact reason I called 10times to try and get it fixed with no help from them
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. The accounts are : JPMCB Auto XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX and a collection company. On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. I have been in XXXX since XXXX XXXX and I am still in XXXX today, my XXXX # is XXXX And I also informed the creditors of the same information. All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from XXXX.
Company Response:
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A