Date Received: 2023-02-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I tried to buy a bicycle from this ad https : XXXX. The owner of the bicycle asked me to move the conversation over the phone, which we did. His number, which is now not in service anymore was XXXX XXXX. So I made two payments via XXXX to an email address XXXX. I made a payment for XXXX USD and another one XXXX USD on the XXXX and the XXXX of XXXX. So in total XXXX USD for the bike and another XXXX for transportation from FL to NY. After the payments were processed, the number became out of service. I called the bank, and they said there is nothing they can do. I would really like to recover my money, if at all possible.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.
Company Response:
State: MN
Zip: 55305
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX employees and/or JP Morgan employees that share that failed JP Morgan/Amazon Visa card continue to call and request I return their calls. That isn't going to happen, ever. Also I received a statement dated XX/XX/23 on XX/XX/23 demanding payment on XX/XX/23 for {$25.00} ; a sum of money more than previously known to be alleged as owing. All this while the Company 's response is in progress '' and XXXX XXXX of JP Morgan assured me when she was done reviewing my 53 pages of evidence that surely calls into question the assertions by XXXX of delivery by USPS when I couldn't even get mail let alone a parcel that the independent contractor [ a rural usps bid on route ] would have to lift and carry it nuts.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: Took our car in for service to XXXX XXXX on XX/XX/XXXX and our bill was {$980.00} which was charged to our Chase credit card. On XX/XX/XXXX, two more charges appeared on our credit card which we never signed for, NOR AUTHORIZED, charges were {$900.00} and {$980.00}. On XX/XX/XXXX, XXXX add'l charges appeared on our card which we never signed for nor authorized in amounts of {$980.00}, {$2700.00}, and {$890.00}. On XXXX an additional charge of {$1800.00} was charged fraudently to our card which we never signed for, nor authorized. We had one legitimate charge on XX/XX/XXXX for {$980.00} for work that was never even completed on our vehicle. Every other charge is fraudulent and when we disputed it with Chase, they initially reversed the charges, but several months later came back and said that they proved all charges were legitimate, which we never signed any statements for, nor could they ever provide any proof that we signed for anything. We had one legitimate charge on XX/XX/XXXX for {$980.00} only! We disputed this several times and Chase refused to reverse these fraudulent charges. To this day, we have not gotten any resolution and were being charged interest and late fees if we did not pay the amount in full.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Events started in early XXXX ( documented in the attachment ) when Chase 's fraud department violated my privacy and then locked me out of all my accounts. After a week of trying to resolve how this happened and what will prevent it from occurring again, I decided to close my individual checking, savings and credit card accounts. But Chase will not do that. I have spent hours on the phone and online, I have reached the end of my patience. I want these accounts closed. I shouldn't have to interrupt my day to go meet with a private banker who's only function seems to be dialing the phone and calling the same departments I have to deal with.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received a call from the Chase Fraud department stating I had fraudulent charges on my business account. I spoke with this department for over an hour. They claimed they were backing out charges that had been attempted. During this time, my wife started receiving texts saying I was sending her money through XXXX from a XXXX account. I don't have a XXXX account. They told me, my card had been compromised and that they were locking my account and sending me a new card. Within this time, {$10000.00} was withdrawn from my account. On XX/XX/XXXX, I started receiving calls from his cousin, whom I XXXX money to every week for work, and an old colleague who both stated they received a payment from me. I did not send these payments so I logged into my account. Immediately, Chase Fraud was calling asking if I had logged in and what was going on. I stayed on the phone with them again working out these charges and money was still steadily coming out of my account. On XX/XX/XXXX, I went into the branch because at this point {$20000.00} had disappeared in less then XXXX hours. It seemed like everything Chase was stating on the phone was the opposite of what they were doing. A teller at The Chase bank on XXXX near XXXX XXXX, helped me. She stated that there wasnt any records of a case being opened and saw all of the transactions going out of the account. She stated that there were still several pending payments that they would freeze and that they would investigate the others to try and refund the money. They said they would put in a request for alXXXX XXXX payments from the XXXX through the XXXX be refunded back into the account. They had me reset a new security system on my account. I showed them the phone number that had been calling me and when the teller called it, it went straight to their fraud department, credit line, XXXX. As you can see on the bank statements that I attached, even with me changing the security on my account and the bank putting XXXX on the funds they still allowed several payments to go through even after I spoke with the teller and she made the investigation claim. {$10.00}, XXXX went out on the XXXX from my account. I sat in that office and explained everything that was going on showed them texts messages and phone calls and they still allowed that amount of money to leave my account without even stopping it. On XX/XX/XXXX, I received a letter in the mail stating that since I make regular payments through the XXXX payment option, that they would not refund the money as this was normal activity. I have never paid out that type of money and have also never made multiple payments to the same XXXX individuals over and over again in the same day, in a matter of minutes of each other. How is it normal activity if I was the one that came into the office and told them I was not making those payments? I was the one that came to them and they are supposed to stop fraudulent activity. On XX/XX/XXXX, my wife and I went into the bank branch on XXXX and XXXX XXXX. Another teller listed to our story and also stated how crazy it was that all of these payments did not register for an alert on the account. My wife also have a XXXX account and gave her access to the teller to see that the money that was supposedly being sent to her on the XXXX never once hit her account. Not a signal XXXX of those payments hit where they said they were going. She spoke with the Fraud department and their answer was the same as the letter and that if we wanted to continue the investigation we should contact XXXX, not them. I did put in a complaint with the Attorney XXXX office and the XXXX XXXX XXXXXXXX XXXX XXXX in hopes to have something done. I have not heard back from them as I know it takes time. It just seems to me that Chase took the easy way out of this as they are partial owners of XXXX. How can they not investigate further and finding out where that money went and get it back? They can see it didnt go into XXXX of their other customers accounts. They should be able to contact XXXX reps, as a business owner, and co-investigate together to help out their customers who have done nothing but invest in their organization. It specifically states on the XXXX website that all fraudulent activity should be address with the financial institution in which you use. So how is it that Chase is telling us to take it up with XXXX and XXXX is stating its a Chase issue?
Company Response:
State: IN
Zip: 46142
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I submitted several payments to Chase Bank for this credit card balance and they have been ignored. The company did not disclose the following : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; I rescinded the consumer credit agreement and tendered a final payment for full settlement of the account. The company is still attempting to collect the debt. In addition to these violations they are in violation of 15 USC 1692 on the way they are communicating the debt as a debt collector.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2022 Amount : {$2500.00} My information was given to this company without my consent. The company is in direct violation of 15 USC 1692
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My personal checking account was charged monthly fees for about 1.5 years at $ XXXX, incorrectly due to Chase Banker fraudulently converted my account without informing me any information about the fees, giving me wrong information about my personal account was linked to my business account, so my balance was never low and shouldnt be charged any fees. I used to be XXXX XXXX XXXX XXXX ( XXXX ) client at chase, with all of my accounts linked, I was never charged any monthly fees. One day my private banker XXXX XXXX XXXX ID XXXX from XXXX MI office called me to inform that I need to deposit almost $ XXXX to my account to keep the status. I told her that it doesnt make sense for me to do that. Over the phone, she said I will just convert your account to a regular account, give me the impression everything should be the same, no fees since all of my accounts are linked, and the minimum balance requirement is low. Without explaining anything, she rushed to hang up and converted my account to Premium checking, which I had been charged $ XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. I was wrongly charged almost {$400.00} fees and I barely used the account. I talked to Chase in person at two branches and over the phone multiple times over this issue. I was told my business account and personal were not linked at all, if they were, the fees could have also been avoided. However I was still never provided any information regarding my account fees nor made them transparent to me. The branches were able to refund some of the fees. As of today XX/XX/XXXX, I am still owe {$120.00} of the fees from XX/XX/XXXX to XX/XX/XXXX. I would also like to receive cost of my time and gas to handle this issue {$120.00} over at least 15 hours, plus 5 % interests of the total fees charged to me. This will be {$270.00} in total.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I order an item on line item never arrived file a complaint dispute they gave me temporary credit received letter saying they gon na take credit away because merchant provided tracking number went to postal office tracking number is in another address and in someone else name plus is and envelope it is impossible that 2 night stand tables will fit in an envelope that is what I order I go to bank fax proof with photos of all this they still won't give me my money
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A