Date Received: 2023-03-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hi the first of the month I noticed there was charges on my account two charges for XXXX $ $ checking second savings {$900.00} I proceeded to call Chase financial JP Morgan Went through all the questions and everything etc etc they gave me {$100.00} in my account... This morning I get a email saying no fraud was recognized in this incidents because the person had my debit card and pin number ... Where the transactions took place was like XXXX Missouri over 6 hours away from me... I have done everything I thought I was asked to do from the bank still no money ... Add this what they told me today something about XXXX wallet on my phone that how get my information add to that part everything on my phone is fingerprint protected and password... There not willing to work with me at all because they said the person had my PIN number told me it loss have a good day
Company Response:
State: IL
Zip: 61571
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: I have been a Chase customer for over 15 years and i have always used their mobile app on my smartphone every day. From XXXX XXXX of this year 2023 i have been misled by the Chase mobile App on my smartphone as i commute a lot for work so i have to check my bank balance through the app on my smartphone, Chase has not been displaying my active balance and even delaying on reporting the correct balance on my bank thus causing me to have over draft fees due to their app not displaying my active balance all it says is " we can not display your activity at this time '' i have called Chase bank and there is noting they can do to fix this issue i was told. I have a a balance of $ XXXX due to Chase not displaying my current account activity and current balance. I am hurting financially due to Chase 's own app that doesn't work, now Chase is charging me overdraft or negative fees because they failed to disclose the balance in my account.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to dispute inaccurate information on my credit report that has been reported by J.P. Morgan Chase Bank ( " JPMC '' ). Specifically, JPMC has reported a charged off account which is a violation of the Fair Credit Reporting Act ( FCRA ) as defined by Sections 1681e and 1681i of the FCRA ( 15 U.S.C. 1681-1681x ), as well as other federal laws and regulations. Under the FCRA, consumer reporting agencies must follow certain procedures for reporting information about consumers ' creditworthiness, including when reporting " charged off '' debts. Sections 1681e and 1681i of the FCRA require consumer reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit information and to promptly investigate disputes. Additionally, the FCRA allows for consumers to dispute inaccurate information on their credit reports and request corrections. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took action against several large credit reporting agencies, including JPMC, for violations of the FCRA, resulting in millions of dollars in monetary relief for affected consumers. The CFPB alleged that these credit reporting agencies failed to maintain accurate information and failed to investigate disputes in a timely manner. As a victim of unfair debt collection practices, I am writing to express my concerns about the charge-off reporting on my credit report. Despite my numerous attempts to resolve the debt, J.P. Morgan Chase Bank has failed to respond to my requests for validation or to provide proof of the alleged debt. Instead, they charged off the debt and continued to report it to the credit bureaus, damaging my credit score and causing me financial hardship. It is important to note that charging off a debt does not mean that the debt is forgiven or that the consumer is no longer liable for the debt. Charging off a debt simply means that the lender has written off the debt as uncollectible and has claimed it as a loss on their tax return. However, the debt remains on the consumer 's credit report and can continue to be reported by the lender, causing significant harm to the consumer 's credit score and financial reputation. Furthermore, the decision to charge off a debt should only be made after the lender has exhausted all other efforts to collect the debt, including sending validation of the debt, negotiating payment arrangements, and pursuing legal action if necessary. In my case, J.P. Morgan Chase Bank failed to provide any validation of the debt, refused to negotiate payment arrangements, and instead pursued legal action against me without providing proof of the debt. This is a clear violation of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements and from using unfair or abusive practices to collect a debt. Additionally, the Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer 's credit report be accurate, verifiable, and complete. Reporting a charge-off without proper validation or documentation violates these laws and can result in significant damages to the consumer. I am requesting that J.P. Morgan Chase Bank take immediate action to remove the charge-off from my credit report, provide proof of the alleged debt, and compensate me for any damages incurred as a result of their unfair and illegal debt collection practices. I am also requesting that they stop all legal action against me until the debt has been properly validated and resolved. Due process is a constitutional right that guarantees individuals fair treatment under the law. In my case, I reached out to J.P. Morgan Chase & Co. multiple times via certified mail to remedy my accounts and provide debt validation, but they failed to respond. This lack of response is a violation of my due process rights, as it denies me the opportunity to address and resolve any issues with my accounts. The USC code that pertains to this violation is USC 1692g, which requires debt collectors to provide consumers with written validation of the debt within five days of initial contact. Failure to provide validation can result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and may entitle the consumer to statutory damages. Furthermore, J.P. Morgan Chase & Co. charged off my debt and reported it to credit bureaus, which has negatively impacted my credit score and reputation. This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and creditors report accurate and complete information. Charging off a debt does not relieve a creditor of the responsibility to report the accurate status of the account. The USC code that pertains to this violation is USC 1681s-2 ( a ), which states that furnishers of information to credit reporting agencies must provide accurate and complete information. Violations of this section can result in liability for actual and punitive damages, as well as attorney 's fees and costs. I encourage the CFPB to take action against J.P. Morgan Chase Bank for their illegal and unethical practices. It is unacceptable for a financial institution to take advantage of consumers in this manner, and I hope that my case will serve as a warning to others who may be experiencing similar issues. In addition to FCRA violations, JPMC has also violated other federal laws and regulations, including the Privacy Act of 1974 ( 5 U.S.C. 522a ), the Gramm-Leach-Bliley Act ( 15 USC 1681, 15 USC 6801-6809 ), the Code of Federal Regulations ( CFR 313.1-313.7, 16 CFR 433.2-433.3 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ). JPMC has also failed to adequately protect my personal information, which is a violation of the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S. Code 1028 ). FCRA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the inaccurate information reported by the credit reporting agency, such as denial of credit, higher interest rates, or loss of employment. Punitive damages : Additional damages awarded to punish the credit reporting agency for willful or negligent violations of the FCRA. Statutory damages : A fixed amount of damages awarded to the consumer for each violation of the FCRA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$100.00} to {$1000.00} per violation, depending on the nature and severity of the violation. Examples of FCRA violations that can result in damages include : 1. Reporting inaccurate information on the consumer 's credit report, such as a charged off account that has been paid in full or a debt that does not belong to the consumer. 2. Failing to correct inaccurate information on the consumer 's credit report after receiving a dispute from the consumer. 3. Failing to conduct a reasonable investigation of a consumer dispute. 4. Continuing to report inaccurate information on the consumer 's credit report even after being informed of the inaccuracy. USC codes related to the FCRA : Sections 1681e and 1681i of the FCRA 15 U.S.C. 1681-1681x USC codes related to the FDCPA : 15 U.S.C. 1692-1692p USC codes related to the TILA : 15 U.S.C. 1601-1667f FDCPA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the debt collector 's actions, such as lost wages or medical expenses. Statutory damages : A fixed amount of damages awarded to the consumer for each violation of the FDCPA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$100.00} to {$1000.00} per violation, depending on the nature and severity of the violation. Attorney 's fees : If the consumer prevails in a lawsuit against the debt collector, the court may order the debt collector to pay the consumer 's attorney 's fees. Examples of FDCPA violations that can result in damages include : Harassing or abusive language used by the debt collector, such as threats of violence or using profanity. 1. Falsely representing the amount or nature of the debt owed. 2. Falsely representing that the debt collector is an attorney or government representative. 3. Failing to validate the debt within 30 days of the initial contact with the consumer. TILA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the creditor 's failure to disclose required information, such as hidden fees or incorrect interest rates. Statutory damages : A fixed amount of damages awarded to the consumer for certain violations of the TILA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$400.00} to {$4000.00} per violation, depending on the nature and severity of the violation. Rescission : The right of the consumer to cancel certain types of loans within a specified period of time if the creditor fails to provide the required disclosures. Examples of TILA violations that can result in damages include : 1. Failing to provide the consumer with a written disclosure of the finance charge, annual percentage rate ( APR ), and other important terms of the loan. 2. Failing to provide the consumer with a right of rescission for certain types of loans, such as home equity loans. Misrepresenting the terms or conditions of the loan, such as falsely stating that the loan has a fixed interest rate when it actually has a variable rate. There have been several recent case studies where the CFPB has awarded monetary relief to consumers for violations of the FCRA and other relevant laws. In XXXX, XXXX, XXXX, and XXXX agreed to pay a combined {$26.00} XXXX in restitution to affected consumers for FCRA violations. In XXXX, the CFPB ordered XXXX XXXX XXXX XXXX to pay {$1.00} XXXX in restitution to affected consumers for violations of the Electronic Fund Transfer Act and Regulation E. I am also disputing the validity of a court summons that was sent to me by JPMC and XXXX XXXX XXXX XXXX XXXX, which claims that I owe a debt to JPMC. This summons is in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601-1667f ). The FDCPA prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. The TILA requires creditors to provide certain disclosures about the terms and conditions of a consumer credit transaction. Failure to comply with these laws can result in monetary damages and statutory penalties. Under the FCRA, consumer reporting agencies must follow certain procedures for reporting information about consumers ' creditworthiness, including when reporting " charged off '' debts. Sections 1681e and 1681i of the FCRA require consumer reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit information and to promptly investigate disputes. Violations of the FCRA can result in actual damages, punitive damages, and attorney fees. Examples of damages related to FCRA violations include : 1. Denial of credit or employment 2. Higher interest rates on loans 3. Increased insurance premiums 4. Emotional distress and loss of enjoyment of life J.P. Morgan Chase Bank 's inaccurate reporting of the charged off account on your credit report is a violation of the FCRA. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took action against several large credit reporting agencies, including JPMC, for violations of the FCRA, resulting in millions of dollars in monetary relief for affected consumers. The CFPB alleged that these credit reporting agencies failed to maintain accurate information and failed to investigate disputes in a timely manner. The FDCPA, which is enforced by the Federal Trade Commission ( FTC ), protects consumers from abusive debt collection practices. 15 U.S.C. 1692-1692p outline the regulations that debt collectors must follow. Violations of the FDCPA can result in actual damages, statutory damages, and attorney fees. Examples of damages related to FDCPA violations include : 1. Harassment or abuse 2. False or misleading representations 3. Unfair or unconscionable practices J.P. Morgan Chase Bank 's actions, as well as the actions of the Mandarich Law Group, may also constitute violations of the FDCPA. The complaint filed against you may have contained false or misleading representations or may have used unfair or unconscionable practices. The Truth in Lending Act ( TILA ) is a federal law that requires creditors to disclose certain information to borrowers, including the annual percentage rate ( APR ), finance charges, and the total cost of credit. 15 U.S.C. 1601-1667f outline the regulations that creditors must follow. Violations of the TILA can result in actual damages, statutory damages, and attorney fees. 1. Examples of damages related to TILA violations include : 2. Payment of excessive fees 3. Overcharging for credit 4. Failure to disclose required information It is possible that J.P. Morgan Chase Bank 's actions, including the terms of the credit card agreement and any fees charged, may constitute violations of the TILA. The Privacy Act of 1974 ( 5 U.S.C. 522a ) is a federal law that governs the collection, maintenance, use, and dissemination of personal information by federal agencies. It also provides individuals with certain rights to access and amend their own records. Violations of the Privacy Act can result in actual damages, punitive damages, and attorney fees. J.P. Morgan Chase Bank 's failure to adequately protect your personal information, which was disclosed in the complaint, may constitute a violation of the Privacy Act. In conclusion, J.P. Morgan Chase Bank 's inaccurate reporting of the charged off account and the actions of the Mandarich Law Group may have violated several federal laws, including the FCRA, FDCPA, TILA, and Privacy Act. These violations may have resulted in actual damages, statutory damages, and attorney fees I would like to emphasize the emotional distress and financial hardship that J.P. Morgan Chase Bank and the Mandarich Law Group have caused me and my family. The inaccurate reporting of the charged off debt has negatively impacted my credit score and financial standing, making it difficult for me to obtain credit or loans, which has caused significant stress and anxiety. Furthermore, the burden of defending against a lawsuit and potentially paying for damages and legal fees has taken a toll on me and my family. This has prevented me from investing in new business ventures or pursuing other opportunities that would have helped improve my financial situation. I strongly urge J.P. Morgan Chase Bank and the Mandarich Law Group to correct any inaccurate information related to the charged off debt and to provide me with a written explanation of the investigation and resolution of any disputes. I also request that they provide me with a copy of my credit report and any information related to the charged off debt that has been provided to third parties. Chase has violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information to credit reporting agencies. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Chase has a duty to provide accurate and complete information to credit reporting agencies. However, the data provided clearly shows that Chase has reported inaccurate and false information regarding my accounts, including the status and amount of the debt owed. This has resulted in significant harm to my credit score and overall financial standing. Additionally, Chase has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in abusive and harassing behavior towards me. Pursuant to 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that is intended to harass, oppress, or abuse any person. However, the data provided shows that Chase has engaged in repeated and aggressive phone calls and letters, despite my requests to cease such communication. This conduct has caused significant emotional distress and anxiety for me and it has affected my cognitive abilities to focus on daily task and functioning. Furthermore, Chase has violated the Truth in Lending Act ( TILA ) by failing to disclose important information regarding my account. Pursuant to 15 U.S.C. 1638 ( a ) ( 2 ), creditors are required to disclose the finance charge, annual percentage rate ( APR ), and other important terms and conditions of a credit account. However, the data provided shows that Chase failed to disclose certain fees and charges associated with the account, resulting in unexpected and excessive charges. Finally, Chase has violated 18 U.S.C. 242 by engaging in conduct that constitutes a color of law violation. Pursuant to this statute, it is illegal for any person, acting under color of law, to deprive another person of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States. The data provided shows that Chase has engaged in deceptive and unfair practices, this resulted in reporting inaccurate information to credit reporting agencies, engaging in abusive debt collection practices, and failing to disclose important information regarding his account. These practices have deprived me of my rights to fair and accurate credit reporting, protection from abusive debt collection practices, and full disclosure of the terms and conditions of his account. In light of these violations, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate Chase 's conduct and take appropriate action to hold them accountable for their actions. I deserve fair and just treatment, and it is imperative that financial institutions such as Chase are held to the highest standards of fairness, transparency, and accountability. Lastly, I have not given consent for Chase to share my personal information with third-party companies, yet I have received numerous calls and emails from companies claiming to have received my information from Chase. This is a clear violation of the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard their customers ' personal information. I have experienced unprofessional behavior from Chase representatives. When attempting to resolve issues with my account, I have been met with hostility and condescension. This is not only disrespectful, but it is also a violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act. Furthermore, I have been provided with deceptive contract terms and language. The terms and conditions presented to me were confusing and intentionally misleading. This violates USC codes 15 U.S. Code 41, which prohibits unfair or deceptive acts or practices in commerce. Overall, these actions by Chase have caused significant harm to me and my financial situation, and I urge the CFPB to take swift action against them. I request that the CFPB hold Chase accountable for violating the EFTA, TISA, FDCPA, CFPA, USC 15 U.S. Code 41, and GLBA. Additionally, I request that I receive monetary relief and account remedy for the harm caused to me and my family. Chase Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card : XXXX XXXX XXXX XXXX I am writing to express my deep concern regarding the treatment I have received from your company. Despite my efforts to remedy the issues with my account, I have not received any satisfactory resolution. I have contacted your company via certified mail on two separate occasions, yet I have not received any response or action regarding my concerns. Furthermore, I have requested debt validation and acceptance for value and counteroffer/claim for proof of claim, but your company has failed to provide me with any evidence or documentation to support their claims against me. This is a clear violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act. I have also received a court summons from the XXXX XXXX XXXX XXXX XXXX on behalf of your company. The complaint alleges that I entered into a credit card agreement with your company on XX/XX/XXXX, and that I have defaulted on the terms and conditions of the account by failing to pay as promised. However, your company has not provided me with any evidence or documentation to support these claims. I believe that your company has committed several violations of the USC codes, including USC 15 1692 et seq. and USC 12 5536, which prohibit unfair, deceptive, or abusive acts or practices in consumer financial products or services. In addition, your company 's actions have caused me significant financial and emotional damages. I have experienced unauthorized overdraft fees, unprofessional behavior from Chase representatives, and deceptive contract terms and language. These actions are also a violation of USC codes 15 U.S. Code 41 and the Gramm-Leach-Bliley Act, which requires financial institutions to safeguard their customers ' personal information. I would like to urge your company to take immediate action to remedy my accounts and provide me with monetary relief for the damages I have incurred. I am also requesting that you provide me with documentation that supports the claims made against me, as well as evidence of the credit card agreement that was allegedly entered into on XX/XX/XXXX. Furthermore, I would like to draw your attention to the issue of language fraud, which is a violation of USC 18 1343. Your company has created a security in my name and made an LLC out of my name without my knowledge or consent. This is a clear violation of my rights and is a form of language fraud. In conclusion, I urge your company to take immediate action to remedy my accounts and provide me with monetary relief for the damages I have incurred. I am requesting that you provide me with documentation to support the claims made against me, as well as evidence of the credit card agreement that was allegedly entered into on XX/XX/XXXX. Thank you for your attention to this matter. USC Codes related to my case : 1. USC 15 1692 et seq. 2. USC 12 5536 3. USC 15 U.S. Code 41 4. Gramm-Leach-Bliley Act 5. USC 18 1343 I have recently discovered that J.P. Morgan Chase & Co. has created a security in my name and made an LLC out of my name, XXXX XXXX XXXX, without my knowledge or consent. This is a clear violation of the U.S. Code, specifically USC Title 15, Chapter 2D, Section 78c, which defines what constitutes a security. It is also a violation of my privacy and personal rights. As a valued customer of Chase, I expect transparency and respect when it comes to my personal information and financial accounts. It is concerning to me that this security was created without my knowledge or consent, and I request immediate action to remedy this situation. I kindly ask that you provide me with a detailed explanation of how this security was created and what steps will be taken to correct this issue. Additionally, I request that you provide me with any and all documentation related to this security and LLC. I trust that you will take this matter seriously and work to resolve this issue in a timely and efficient manner. Thank you for your attention to this matter.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was the victim of an elder wire fraud scheme between XXXX. I contacted Chase promptly on XX/XX/XXXX seeking assistance reversing the fraudulent wires. I initiated a claim of fraud Chase Electronic Money Movement Recall Department on XX/XX/XXXX and spoke to a representative who gave me case numbers and told me that it would be 10 business days to recover funds. I followed up with this department on XX/XX/XXXX and was told that there were no updates on my fraud claims and to follow up on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and was told that nothing was recovered and nothing further could be done to help me. My daughter got involved in XXXX XXXX. She managed to connect with an agent in the Chase " vulnerable adults unit '' and learned that my case was NOT routed to the vulnerable adults unit in XX/XX/XXXX and no attempts to reverse the fraudulent wires were made until she got involved, which was over two months after I reported this to Chase and sought their help. I am at a loss as to how Chase representatives indicated this was being worked on and yet precious time when these wires could have been reversed was wasted.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This complaint is regarding the automatic debit made by Chase Bank from my account without my information or any inquiry. On XX/XX/2023 Chase Bank has debited my account with {$13000.00} against miscellaneous transaction. Upon inquiring from Chase Bank claim center I have been informed that XXXX XXXX XXXX XXXX has opened the dispute against me for the wire transfer she made in the month of XX/XX/2023 and the bank has settled this amount against the dispute without informing me or investigating me during the research of the dispute of this transaction. The invoice amounting to {$13000.00} has been raised for XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX dated XX/XX/2023. In the month of XX/XX/2023 I have received following wire transfers against the sale of furniture from XXXX XXXX XXXX, all the wire transfers were authorized and correct and due with XXXX XXXX XXXX to be paid to XXXX XXXX XXXX XXXXXXXX XXXX The screenshots of wire transfer are enclosed with this application ) : Date Amount ( $ ) XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Total XXXX I have filed a claim with the bank timely having claim # XXXX for the credit of this amount with Chase bank XXXX XXXX. This forced debit of amount {$13000.00} has took my account in overdraft. On XXXX XXXX I called the Chase Bank Claim Center at XXXX am to inquire the status of my claim. The representative on the phone line has verified and confirmed the above stated amount from me and has assured that the credit will be given back to my account. The lines were recorded and can be retrieved with the date and time given. However, on XX/XX/2023 the bank has declined my claim and has refused to refund the amount of {$13000.00} that was earlier debited from my account. The bank has committed fraud with me by not making me the part of any ongoing investigation against any amount in my account. It is requested to please help me in recover my amount of {$13000.00} from Chase Bank at earliest. Enclosed : 1- Copy of bank statement showing the debit made by bank on XXXX XXXX of {$13000.00} and the credit of above mentioned amounts into my account through wire transfer. 2- Copy of letter of response by Chase Bank against my claim for the amount {$13000.00}. 3- Invoice raised for XXXX XXXX XXXX XXXX against purchase of furniture. 4- Screenshots of Wire Transfer amount sent into my account by XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: A check was stolen from a US Post Office, edited and cashed for a sum of {$8100.00}. The funds have been missing from my account since XXXX of 2022. I filed a claim with Chase Bank and they claim they cant do anything and its up to XXXX XXXX XXXX to investigate and pay me back. I am out a lot of money and have had no luck getting this resolved. There must be a solution.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: After on going account disputes for months, and requesting information on the books and accounting on my loan, I went ahead and did a negotiable instrument to make my payoff. On XX/XX/23 it was process, cleared, title was sent & Lein was released. I then sent a conditional acceptance letter on XX/XX/23 requesting total account records, books, any IRS forms filed on my behalf. I sent them all the laws and definitions following what I was needing to see. I gave them 10 days to respond with the information requested, which was not only REFUSED & LATE returned to me, but also IGNORED. I received my conditional acceptance with a letter stating we only accept USD. Within the letter I broke down, conspicuously what UCC 3-304 means in a case such as this one. I also gave definitions on any material needed and a proof of claims they needed to prove before going forward with this loan. I put them on notice of dispute several times, laws conspicuously state any debt in dispute can not be attempted to collect until resolved, my dispute was not resolved until seeing the complete books and accounting on my auto loan. On XX/XX/23 chase auto charged off my account, failing to resolve, show me the books, resolve the dispute, prove they have not committed any fraud on my behalf, sold my personal information, been paid using my promissory notes, received any funds on my behalf to settle my debt, proved the payment made did not settle my debt, etc. as the entire letter will be attached to review. Next is a lawsuit, as I am sure chase auto will try to get my private property, and I will have to sue for theft, defamation, harassment, identity theft, and fraud.
Company Response:
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Summary : On XX/XX/XXXX I had a fraudulent charge of {$99.00} in my Chase business checking account that resulted in a {$33000.00} wire transfer scam. Between the fraudulent {$99.00} charge, the {$33000.00} wire transfer, and the {$25.00} wire transfer fee, I have lost {$33000.00}. What happened : On Friday, XX/XX/XXXX at t XXXX EST I received a call notifying me of a fraudulent charge in my Chase business checking account from the same telephone number that is listed on the back of my Chase business debit card ( XXXX ). This followed several previous calls from the same number that morning, as well as a text message claiming to be an Early Fraud Warning. The caller had enough of my personal information and enough insider information to effectively pose as a representative from the Chase fraud department calling to help reverse damages and secure my account after a breach. He could most definitely see when I logged in and out of my Chase banking app. I dont remember the specific information he provided and I provided, but my name, phone number, address, birthdate, the last four digits of my social, last four digits of my bank accounts were confirmed. This included my personal savings, personal checking, and business checking. He instructed me to check my balances and confirm that I had indeed not made the fraudulent {$99.00} transaction at a XXXXXXXX XXXX in XXXX, Florida. I confirmed I had not. He sent me a variety of verification texts as well as an email, which I requested as a precaution to confirm that I was indeed speaking with Chase. In these communications he identified himself as Supervisor XXXX XXXX, agent # XXXX, and that this was case number XXXX. He then induced me to transfer all of my money in my personal checking and savings accounts into my business account, then perform a sequence of steps that he told me were necessary to reverse a fraudulent wire transfer that he claimed had been initiated earlier in the day. This resulted in a coerced wire transfer in the amount of {$33000.00} sent to an individual in Texas. I did not take a screen shot of the wire transfer details before I lost access to my business checking account, but I seem to recall their name was XXXX XXXX and the bank was in XXXX, Texas. In short, I was induced to steal money from myself by a fraudster who had enough of my personal information to make a fraudulent charge, enough inside knowledge of Chase bank systems to pose as a Chase representative, and enough experience to effectively ease my suspicions along the way. What I have done to try and resolve it : Immediately after I got off the phone with the fraudster, I called Chase business customer service at the number on the back of my card ( XXXX ), the number I had just hung up the phone with. I made this call at XXXX EST. I described my recent phone call, naming the Chase fraud department representative I believed I had been speaking with, and indicated the actions I had taken and that I was awaiting the return of my funds. The fact that I had emptied my entire personal checking and savings accounts, transferred the money into my business account, then made a large wire transfer in the span of two hours apparently did not raise any red flags. I was not transferred to the Chase fraud department. I got off the phone with the Chase business customer service representative feeling assured that my earlier interactions with the person who turned out to be the fraudster had been legitimate. It therefore wasnt until the following morning, XX/XX/XXXX at XXXX EST, when I called Chase again at XXXX and was transferred to the fraud department , that I understood that my identity had been stolen, a fraudulent charge had been made, and that I had subsequently been coerced into a wire transfer scam. I understand this delay was crucial. Had I been alerted to the fraud by the Chase business customer service representative I spoke with at XXXX the previous afternoon I may have been able to quickly recall the transfer. I was instructed to update my phone, change all my passwords, go to my nearest Chase branch to freeze my accounts and initiate a wire recall. I was also told that there was no guarantee my funds would be restored. I went to my local branch and was fortunate to work with a banker willing to spend several hours on my case. She secured my personal accounts, closed my business account, and initiated the wire recall, but again told me that there was no guarantee my funds would be restored. She listened as I told her about my experience and wrote and filed a claim on my behalf. Soon after filing the claim, we learned that it had been rejected because I had initiated the wire transfer myself - no matter than I had been coerced, and that the coercion followed a fraudulent transaction, and that my identity had been stolen. The banker also wrote and filed an internal complaint, which I understand is pending but also comes with no guarantee that Chase will take responsibility for this event and that my funds will be restored should the wire recall fail. I hope I am not filing this CFPB complaint prematurely. There is a slim possibility that the wire recall will work, and that the internal Chase complaint will yield some response, but the lack of any guarantee is unnerving. It is clear Chase is not inclined to take responsibility for this financial event, which would not have occurred had my identity not been stolen and the fraudulent transaction not taken place. The loss of {$33000.00} dramatically impacts the choices I can afford to make, such as whether to buy a house and have a baby. As a XXXX, I have grown up with online banking and successfully navigated and discriminated between real and fraudulent activity. I understand it requires vigilance, and that banks rely on customers to remain alert and to report fraudulent activity. I tried to do so by calling Chase back immediately after the incident, and it shakes me deeply to hear from Chase that the burden is on me for a fraud that I ( and apparently they ) could not perceive. I deeply regret opening my business account last year, now that I understand the amount and caliber of fraudulent activity Chase small businesses customers face.
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After my wedding on Thursday XX/XX/2023, I went to a Chase branch to deposit all of the gift money that I received. I specifically went to the branch located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, slightly before XXXX EST time on Friday, XX/XX/2023. I tried to deposit a total of {$28000.00} into a Chase ATM at the branch as soon as I got there. The first deposit of {$5400.00} in cash of all XXXX dollar bills went through. I then tried to deposit the rest of the funds, which totaled to {$23000.00}, in cash ( multiple denominations- XXXX, XXXX, XXXX, XXXX, XXXX ) and checks. During the transaction, the Chase ATM confirmed the total amount, and I then pressed a touch screen button on the ATM to finalize the deposit. Although, the ATM froze after this, and then dispensed some/all the checks back to me ( I do not know if it was all of the checks, since there were many and I did not count exactly how many there were ), but did not dispense any of the cash back. As soon as this transaction failed and the checks were dispensed, the ATM printed out a receipt, and then I immediately asked a worker at the branch for help, who then told me that there was nothing that they could do, and to call Chase and file a claim. The total amount in checks that I got back from the failed deposit was {$10000.00}, which I then went to a teller at the branch and deposited, but there is still {$13000.00} that I inserted into the ATM that I do not see in my account. This money was swallowed by the ATM. I had to call Chase multiple times, and for some reason there were XXXX claims filed - I was told the first claim was filed incorrectly ( was not even given an explanation as to why ). In addition, Chase did not provide any helpful information to me on what kind of investigation they will perform to ensure that my account is properly credited, and I have not received any written email/messages from Chase yet to ensure that I will be made whole. I do not have any assurance that my funds will be given back to me, and I believe that they told me that a third party company is the one that reconciles their ATM amounts- how do I know that this third party company won't just take my money and tell Chase that the money I deposited was never actually deposited? First Claim number : XXXX Second claim number : XXXX
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have called chase several times requesting a wire fraud scheme of {$16000.00} dollars sent to an XXXX XXXX who was then sent to a XXXX XXXX. I sent them money for and XXXX verification badge in XXXX of 2022. As of today I have been blocked on all platforms and denied a refund for the service that was never rendered. When I opened a wire recall withdrawal and spoke with representatives they said it was up to who I sent it to. I spoke to XXXX several times who begged me to cancel it and he would help me retrieve my money. That never happened. So I have been defrauded of {$16000.00} and many others have been as well. I will attach the links below. I tried to escalate this with chase and they essentially told me tough luck. I want a solution to this. I filed a complaint with the ftc and fbi as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A