Date Received: 2023-02-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX, 2023 To : Chase XXXX XXXX XXXX XXXX XXXX RE : Fraud Case # XXXX During two calls I had with Claim Team Representatives XXXX and XXXX, I was given the following information regarding two debit card claims that were presented for payment on XXXX/XXXX/2023 : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the time of these purchases, I was at work. I have included my audited time sheet from that day and the verification letter from my supervisor. Also, I was told by the reps that my card was presented with a PIN at each business. That would be impossible to present the card in person to both businesses, because the transactions time is only 12 minutes, but the travel distance between the two locations is roughly 19 to 24 minutes during that time of day. I have included a XXXX XXXX showing the distances. I would like the money from these two fraudulent transactions returned to my account and any losses suffered due to the funds reversal and investigation to also be resolved and any fees reversed. Ive been a Chase customer for more than 20 years and have never felt so abandoned. I keep my card secure and am careful during transactions. And yet, I was victimized by Chases handling of the situation. There was no effort to believe me as a customer, and I was left to prove my innocence and told to file a report with the policetheres nothing we can do. Information contradicted between the calls, and I had to ask several questions to find out my options.
Company Response:
State: KY
Zip: 402XX
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XXXX XXXX I made took advantage of a 0 % apr on balance transfers. I transfered {$3000.00} with a {$150.00} transfer fee. the promotion negated any other " grace periods '' on purchases. this was reflected on the subsequent statement : {$3000.00} Balance transfere {$150.00} transfer fee {$1100.00} in purchases {$2300.00} in payments leaving XXXX as the balance ( {$3000.00} transfer, {$150.00} fee, {$250.00} purchases ) two payments were made towards this statement- {$540.00} and {$95.00} ( total XXXX ) the next statement showed a reduction in the 0 % interest balance to {$2800.00} and interest charges on {$280.00} of purchases.the balance due for this statement including new purchases was {$3400.00}. on XXXX I called and inquired as to why there was interest being charged on the purchases and why the balance for teh 0 % interest was lower. I was informed that interest will be accued from the date of purchase unless paid off prior to the statement date. as a courtesy they removed the interest charge of {$4.00} bringing the statement balance to {$3400.00} with this knowlege I made payments of {$550.00}, to reduce balance due to {$2800.00} ( slightly above teh amoutn shown for the 0 % interest ) and then payments of {$260.00}, {$240.00} and, {$78.00}, to cover new purchases after they have been made. Which should have left the next statement balance at {$2800.00} - {$2800.00} at 0 % and {$31.00} of new purchases at the variable interest rate. the next and most recent statement showed a balance due of {$2800.00}, {$2500.00} at 0 %, interest charges of {$8.00} and {$550.00} subject to the variable interest rate! on XXXX I called to ask why this was going on and I was told that any payments in excess of the minimum payment would be directed towards the balance bearing the highest interest rate ( so far so good ) but that they would only apply payments to the 0 % balance and not the balance of purchases becausse they were incapable of doing so even though the new purchase balance bears the highest interest rate. if they are capable of tracking new purchases to charge interest they should be capable of applying payments to that balance. I asked for a supervisor multiple times, and was finally transfered to a supervisor, who said that it was too bad that was how it works, and also refused to confirm that they would not apply payments to the new purchase balance even though that was the balance that bears the highest interest rate.
Company Response:
State: PA
Zip: 190XX
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: Chase Bank has put a hold on my checking account. They want to verify my trust information. I have provided this information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Every time they say they have enough information and that the back office has to review it. Every time I went into the branch office I took my entire trust document to them. I have money in the account just can not write a check or pay bills on line from that account. I have talked to the local branch manager who seems to be trying to resolve this issue but she can only send messages I am told. She seems to think they have the documentation that they want and says they have approved it but is still waiting for the restriction to be lifted.
Company Response:
State: AZ
Zip: 85737
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 I contacted Chase regarding my Freedom card. I informed them of list of job and requested assistance in late payment removals to assist with paying card down as I started receiving checks. A previous email and account notification STATED I had to make a payment before XX/XX/2023 to AVOID account closure. I made a payment of {$260.00} which was the PAST DUE amount on the card. Today as I logged in I see that my account has been closed! Chase falsely closed my account after stating that I had until XX/XX/2023 to AVOID account closure. EVEN after stating I lost my job as the reason in being behind and was willing to pay to avoid account closure as I just got my check!
Company Response:
State: FL
Zip: 33179
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: Fraud or scam
Subissue:
Consumer Complaint: I am the victim of fraudulent wire transfers and Chase Bank will NOT help me. They have closed my claim of {$86000.00}, blamed it on me and refused to give me documents that Detective XXXX XXXX of XXXX XXXX XXXX Sheriff Dept has asked me to obtain for him. He needs a printout of the wire transfers, routing and account numbers, names of recepients, amounts, dates. The local Chase Bank in XXXX XXXX, FL and the Fraud Claims Dept of Chase have all refused providing these documents for me. This will result in a 60 day delay in the investigation of our case because the Detective will need to get a subpoena. CHASE CASE # Chase case # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX 's Sheriff 's CASE # XXXX Assigned to Det XXXX XXXX XXXX XXXX and ask for him Records XXXX XXXX email : XXXX Chase Fraud Case Chronological Events : PLEASE NOTE : Everyday and every time that I spoke to XXXX I received OTP texts from Chase asking if I authorized speaking with XXXX for which I did. Every call he stated this line was being recorded for security purposes and ended every call with Thank you for being the best part of Chase. XX/XX/XXXXXXXX XXXX. XXXX from Chase Bank called to advise me there was a wire transfer of {$14000.00} that looked fraudulent from XXXX XXXX and a XXXX payment of {$1500.00} from XXXX XXXX Billing account. I confirmed these transactions were not generated from me and were unknown. He stated the wire transfers were going to XXXX, OH and that XXXX XXXX XXXXXXXX were names that were attached ( not the payee ) to these. He asked if I know them and I do but havent spoken to them in 3 years. He advised that the use of a skimmer machine at a gas station or XXXX was how my information was obtained. XX/XX/XXXXXXXX XXXX. XXXX called said he was closing down the old account numbers for XXXX ending in XXXX XXXX XXXXXXXX and making new accounts ending in XXXX XXXX XXXX. He advised me of a Chase case number XXXX and if I had any questions to call XXXX for the online fraud department. He asked me for a new password code if calling in to Chase which I stated to use XXXX. He advised not to swipe any debit cards to only use the chip or tap/pay He brought me to the Chase website where I logged in. I was instructed to go to the wire transfer tab and use the account that shows XXXX XXXX account ending XXXX ( not XXXX XXXX ) and use that account as the to and from XXXX XXXX account ending in XXXX. I believe the amount was for {$14000.00} and in the memo to type Payment Credit Dispute # 1 This procedure was carried out on I believe six different occasions or dates. XX/XX/XXXX XXXX XXXX called stated he has reset and updated old accounts with new accounts and brought me to the Chase website where I logged in. I was instructed to go to the wire transfer tab and use the account that shows XXXX XXXX account ending XXXX ( not XXXX XXXX ) and use that account as the to and from XXXXXXXX XXXX account ending in XXXX. I believe the amount was for {$14000.00} and in the memo to type Payment Credit Dispute # 2 I was advised to stay off the website so they can finish setting up the new accounts and they would be freezing the old accounts. XX/XX/XXXX XXXX from Chase called stating old accounts and debit cards are deactivated but its not updated in the system yet so I wouldnt see it online. He would be shipping me new debit cards for XXXX XXXX billing and XXXX XXXX He stated the police in XXXX, OH were contacted and they would be making an arrest soon to expect pictures of them by email and advise if we know them. He asked me for a new login username and password for the website which these were never used or changed to. XX/XX/XXXX XXXX states accounts will be updated by tomorrow that they do know who did this and a warrant has been issued for their arrest. He will have the accounts connected today XX/XX/XXXX XXXX called said there will be no bounced check fees or wire transfers and he will send me new checks for the new accounts. XX/XX/XXXX XXXX stated a transfer of {$6000.00} from XXXX ... ending in XXXX was received to credit back from previous wire transfers. He asked me for a new pin so he could reset it for me. I had just gotten a new personal debit card as there had been two fraudulent charges previously so I thought thats why he needed it. I tried calling Chase and they wouldnt accept the new pin # and I had to use my old pin # to get in. XX/XX/XXXX XXXX called with new Case number XXXX because of the old accounts being frozen and new accounts. I asked him if I can run payroll and he said go ahead. He said the system was kicking back wire transfers and that we needed to do credit transfers to put the money back in the accounts. He assured me by the end of the day, all the accounts would be restored to the balances prior to the wire transfers. XXXX said he would call me Friday evening to confirm everything, and I didnt hear anything from him again. I believe because I got a call from ( see below ) the accounts then were really frozen this time and I couldnt access online which am assuming XXXX knew this or had exhausted all the money from all the accounts. I then received a call from XXXX ( I think ) from Chase Online Fraud Department and I tried to give them my case numbers and they said they dont deal with the Fraud Claims Dept at Chase and couldnt use the case numbers. He advised me of wire transfers of {$14000.00} and other various amounts and asked if they were fraudulent which I said yes, to please call XXXX so the two of them could collaborate. He advised me he couldnt and unfortunately, I got very upset and told him I couldnt do this right now. XX/XX/XXXX I called Chase Online Fraud Depart and spoke to XXXX in Customer claims. She advised me claim numbers are 7 or 8 digits and the case numbers I had were not valid. She issued me case # XXXX and advised me to go to my bank branch to complete a forgery packet so they could start the investigation process. I reported my personal debit card as fraud and XXXX gave me access to the website again with a new username and temporary password. I called Chase at my local branch in XXXX XXXX, FL and spoke to XXXX and set up an appointment for XXXX. as it takes 24 hours for the fraud case to hit the computers before I could complete the packet. On XX/XX/XXXX, I was contacted by XXXX at Chase who advised me of fraudulent activity on my accounts. He sent me an OTP code from Chase authorizing me to speak with him, which I accepted. He knew my two business names, signers and personal contacts. Because Ive received OTP codes in previous dealings with Chase representatives, I felt it was safe to speak with XXXX. Every phone call from XX/XX/XXXX through XX/XX/XXXX, I received OTP codes to speak with XXXX and to confirm the wire transfers. XXXX phone number showed on my cell phone as XXXX for which I called and received the same greeting from any other Chase number Ive called in the past... Thank you for calling chase ..... This was the same message every day ( I tried it ) and as of XXXX, the greeting is completely different now. XXXX or the Rep from Chase so I thought had me login to the website and he showed me the fraudulent wire transfer for {$14000.00} and another {$80000.00} was expected to transfer out in the next week. XXXX stated that he was going to help me stop the transfers and create wire transfer entries to credit the money back into our accounts. He advised that the money was being transferred out of the accounts that would be frozen and affected by the fraud and into new protected accounts. When he was telling me to move money through the Wire Transfer online feature, it showed from XXXX XXXX to an account in my name. He also advised me that new checks for the new accounts and debit cards will be sent to me and received within a few days. After meeting with Chase Bank in person, XXXX XXXX XXXXXXXX ( Chase reps ) believe fraudulent accounts or wire templates were set up showing my name but the last four digits of the accounts were not my accounts.
Company Response:
State: FL
Zip: 32092
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: Fraud or scam
Subissue:
Consumer Complaint: Hello my name is XXXX XXXX on XXXX XXXX at XXXX I was contacted from the chase customer service number telling me that there were some fraudulent activity on my account that there were some wire transfers pending and the representative said we had to schedule a reverse wire transfer he then proceeded me through the process only to have me transfer all of the money out of my account {$17000.00} I contacted the chase number back as soon as possible they said the transfer was completed I let them know it was a fraud and I had been scammed by a representative im currently waiting to hear back from them with no hope. I also went to my nearest chase branch and there was nothing they could do. The same day I called XXXX XXXX XXXX which is the thiefs bank where the money was wired they said they couldnt help me and could only talk to the fraud team at chase. I later messaged chase fraud and they spoke to XXXX XXXX XXXX and said they were requesting a hold of harmless letter which chase would not give me. I have contacted XXXX XXXX XXXX XXXX XXXX only then did I hear from a chase executive representative she took days to get back to me. She was able to send a hold of harmless but i have not heard anything. I am a mother of two with one on the way this was all of my savings they took all the money and left me nothing I have no hope that chase will help me so I am reaching out with hopes that you might be able to help me please feel freee to contact me
Company Response:
State: CO
Zip: 80233
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: Managing an account
Subissue: Fee problem
Consumer Complaint: We have been Chase banking customers for about 35 years. We have both checking and savings withthem. We moved from our long-time place of residence in XXXX XXXX , XXXX, to XXXX XXXX in early 2021.We maintained our Chase accounts ( which we handle almost exclusively online ), despite there being no local Chase branches where we live ( the nearest branch office is in XXXX, XXXX ) . We recently had need of either a cashiers check or money order ( s ) totaling {$2700.00}. Since there is no branch close by, we utilized a XXXX XXXX locally, to get three money orders ( max MO amount is {$1000.00} ). The XXXX XXXX used my ( XXXX ) debit card to withdraw the money ( which was in our checking account ) in order to purchase the money orders. In addition, a {$6.00} money order fee was withdrawn separately. Chase bank charged us a 3 % " cash advance '' fee on this withdrawal ( about {$83.00} ), which we are disputing. I have communicated both by phone call, and by secure message, with Chase customer service, and been told that this " cash advance '' fee is policy and can not be reversed out. However, per the Chase website : " A cash advance is a loan offered by your credit card issuer. When you take out acash advance, you're borrowing money against your card 's line of credit. You must repay this loan and the amount you transfer can not exceed the current balance available on your credit card. The amount that is transferred is then added to your credit card balance. '' We are maintaining that this was in no way a " cash advance '' on any credit card, the money was in our account, we withdrew it, and Chase did not " loan '' us anything, but Chase has refused to refund the fee.
Company Response:
State: SC
Zip: 299XX
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: 2023-02-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account with JP Morgan Chase Bank that has been closed by the bank. On XX/XX/19 they credited a wire transfer to my account. There was an error with the payee and the bank wanted to further verify. They placed a hold on two deposits represented by a paycheck for {$720.00} credited on XX/XX/19 and my Social Security benefit for {$1400.00} credited on XX/XX/19. THEY HAVE HELD THE FUNDS FOR THREE YEARS. They require that I contact the originator of the wire to confirm that it posted to the correct account. The company that wired the funds has not responded to my request and phone number is now no longer valid. Chase Bank credited the funds to my account ; the bank did not return the funds ; the wire was not recalled by the originator. I am requesting that Chase Bank remit the {$2300.00} balance of the account to me. As I stated it has been 3 years. Thank you so much for your attention to this matter.
Company Response:
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a pre-screened offer in the mail for a Chase Sapphire XXXX card with a unique invitation number, implying that I had been individually pre-approved for this card. When I applied I was declined. This immediately knocked 6 points off my XXXX XXXX which will make credit more expensive to me in future. Also, the enquiry will be on my credit history for 2 years making it more difficult for me to obtain credit cards from other providers.
Company Response:
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. CREDIT CARD COMPANY HAS ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS ON MY CONSUMER REPORT AS A CHARGE OFF. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB.
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A