Date Received: 2023-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, 2023 my account got hacked and initiated a wire transfer of XXXX to a person named XXXX XXXX that i dont know, transfered my XXXX to a account in XXXX XXXX XXXX XXXX I tried to tell chase bank that i dint authorized this and they kept making me file a claim, go to a branch and tell them what happened, i repeatedly say i did not authorize the transaction, and since english is my second language i did not know the difference between a scam and a fraud, i used the word scammed on the first visit but it shouldve been fraud because again, i did not authorize or do any wire transfer what so ever in the bank, the claims department rejected me twice saying " they can not do anything about my money and that i did authorize the transaction, they denied my request and not helping me at all on a fraudulant case. Im just a working class and XXXX is too big to lose, so id like to get some help from the right people about my case.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: jp morgan chase and its affilates continue to use my report fraudulently and illegally jp morgan chase is illegally sharing my data with its affiliates despite my will and in violation of the law. i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report. Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq. Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved. Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq. The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports. Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq. The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report. Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq. The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports. it is illegal for XXXX XXXX and XXXX to continue to share this information without my consent and especially as i have made it known this data is fraudlent.
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Below is a list of charges that was withdraw from my checking account without my consent and without warning from CHASE BANK. These transactions were unauthorized and against my will and it took over a month for CHASE BANK to alert me of these transactions going on. Yet after this and after I went through the proper procedure and " investigation '' with CHASE BANK they refuse to return my money. I have not spent almost a year searching for a way to get my money back which leads to today XX/XX/XXXX. -- Transactions list -- XX/XX/XXXXXXXX XXXX XXXX {$81.00} XX/XX/XXXX XXXX- {$30.00} XX/XX/XXXX XXXX- {$42.00} XX/XX/XXXX XXXX- {$100.00} XX/XX/XXXX XXXX- {$45.00} XX/XX/XXXX XXXX- {$91.00} XXXX XXXX- {$500.00} XXXX XXXX XXXX XXXX- {$2.00} XX/XX/XXXX XXXX- {$100.00} XXXX XXXX- {$1000.00} XXXX XXXX XXXX XXXX- {$2.00} XXXX {$39.00} XXXX- {$610.00} XXXX XXXX XXXX- {$9.00} XXXX XXXX XXXX XXXX- {$620.00} XXXX- {$640.00} XXXX XXXX- {$110.00} XXXX- {$2.00} XXXX XXXX- {$2.00} XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX- {$75.00} XXXX XXXX {$19.00} XXXX XXXX XXXX- {$170.00} XXXX XXXX- {$800.00} XXXX XXXX- {$7.00} XXXX XXXX- {$4.00} XXXX {$1100.00} XXXX- {$590.00} XXXX- {$7.00} XXXX- {$160.00} XXXX XXXX XXXX XXXX XXXX- {$6.00} XXXX- {$88.00} XX/XX/XXXX ( when I was finally alerted ) XXXX XXXX XXXX- {$26.00} XXXX XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$200.00}
Company Response:
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Preface : I have had multiple Chase accounts for years in the form of Mortgages and Credit cards. Chase most certainly knows who and what I am and many of my financial habits, my credit score, etc. I had recently opened a Chase business checking account because XXXX XXXX XXXX had cut their hours at my branch. On XX/XX/2022, I made a remote online deposit for {$820.00}. The deposit was a rent payment from a tenant who has been using counter checks. People use counter checks when they don't have a checkbook. Chase bank did not communicate any problem to me at that time. A few days later, I went to my online account and found that my account was frozen. I called the designated number. The call was routed to an XXXX call center, I believe. The rep told me that the check was deposited more than once, as shown on her screen. I said that was not true. She told me the bank 's policy was that I had to prove it, and that my newly opened account would be closed in 10 days if I didn't. I also took this problem to the persons working in my local branch. They also saw something on their computer screens, and also told me that the check had been deposited more than once. I again said that was not true. They said that it was true. I asked what are the details of this other deposit. They said they did not have that information. They closed my account that very day. A week or so later, I received a check for the amount in the account, minus the {$820.00}. I have continued to try and do not accept that they are keeping my money. Now here are the facts of this Chase-made fiasco. I received a counter check just like I had been receiving ( and depositing in another bank ) for a year. I deposited the check one time only. The check did not bounce, it was honored by XXXX XXXX which is the issuer. Neither XXXX XXXX not my tenant is aware of any irregularities. I have been accused, convicted, and punished by an incorrect computer. Neither the computer nor any person can tell me what they think has happened wrong. The only human intervention has been to enforce whatever the computer indicated. So Chase bank has this computer problem, and a policy of no human being checking on the computer. Either that or there is some intentional act by them. I was told be Chase, several times, that I had to prove that there was no other transaction. This in itself is very problematic : How to prove a negative? -- If someone is making an accusation, the least they can do is show the evidence. A false message on a screen is not evidence. I actually have gone to XXXX XXXX, and have verified that there is not problem. The man there told me that he did not see any problem. I asked him if I could get a note from him saying that there was no problem to show to Chase. He said no, because I was not the account holder. My tenant, the account holder has already been to XXXX XXXX at least twice in regards this matter. He has to walk a mile to get to the bank. I don't think that I should have to get my tenant to do any more just because Chase has a system error. Chase has told me to refer to a document I signed when the account was opened which said that deposits are subject to verification. I did not read the reams of paper created by squads of lawyers, and I am sure no one else does either. In any case, verification of that check came to Chase in the usual way, by electronic payment. There is and has been no problem, other than whatever is wrong with Chase bank. I find it infuriating that they are being so high handed and think they can lay out unreasonable terms for them to give me what is clearly mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have reported lost identity and stolen on XX/XX/2022! Updated info and phone number! But the thief still opened the credit card at Chase with the old phone number!
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2022 & XX/XX/2022, there was a atm withdrawal of {$1000.00} taken out of my account and also the next day another {$400.00} as well, I reported it but prior to that I received a text message chase fraud dept asking if that was me and I said no, I faxed my text message over that I received to the chase as I made the complaint on both days someone hacked my account, they only reimbursed me the {$400.00} and not my {$1000.00}.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello. My name is XXXX XXXX. I have a personal account with JPMorgan Chase & Co. On XX/XX/XXXX my account was charged total of {$31000.00} from XXXX XXXX XXXX. Total of XXXX ACH transactions were made. However, I never authorized any of them!!! I called the bank ( Chase ) immediately and let them know that I never authorized those transactions. Let me also mention that I called them immediately the same day after those transactions were made. They told me they will give me a temporary credit as they also did not share my account 's information. Later, they asked me to come to a branch and sign a " Statement of Dispute ''. I did that and faxed it to them. Today, I called again to find out why they have not provided the temporary credit because these are tough times and I desperately need that money. They told me that the investigation is closed and they won't do anything more. I even tried to contact that merchant but they keep transferring me to somebody else. In the past, I have provided a service for that company and they paid me with XXXX transactions. I do not know why and how they charged me back without me giving any consent or authorization.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The issue that I'm having is that Chase is not in good faith processing a loan assumption request by my ex-partner and me ( XXXX XXXXXXXX XXXX formerly in an unregistered domestic partnership but never married ) ; instead, Chase is baselessly and improperly stonewalling us and procedurally dragging out the process in violation of federal anti-discrimination laws. My ex-partner and I ( XXXX XXXX who were in an unregistered domestic partnership of XXXX years but never married ) are joint borrowers on an assumable conventional mortgage originated by another lender in XXXX and subsequently purchased by Chase. The original loan amount was about {$480000.00}, and we had no trouble at all getting approval for this loan because we each make well over {$300000.00} per year, each have savings of XXXX XXXX XXXX XXXX and each have sterling credit. We have made all payments on time and in full, such that the current balance is about {$450000.00}. We separated amicably in the first half of XXXX and submitted a request to Chase, pursuant to the terms of the mortgage, for my ex-partner to assume sole responsibility for the loan and sole title to the property because he will continue living at the property in XXXX XXXX, while I live at my own property in XXXX. Chase, however, has not been processing our assumption request in good faith they have been procedurally stonewalling us for almost a year, requesting the same information over and over, even though we have provided every document and piece of information they have asked for. Chase has never raised any substantive concerns about our assumption request because they know they have no lawful grounds to deny it. My ex-partner is in excellent financial and employment position ( having been recently promoted to associate director of marketing at a public XXXXXXXX XXXX and now pending promotion to director ) and has a perfect history of on-time payments on this and all other accounts in his sterling credit history. If we had been married and divorced, Chase would no doubt have processed our assumption in accordance with the terms of the mortgage, but because we are XXXXXXXX XXXX who were in an unregistered domestic partnership, Chase is choosing not to process our assumption request in good faith and thus to violate state and federal anti-discrimination laws.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have 2 credit cards that were charged off back in XXXX of 2018 IL Law states after 5 years of charge off it must be removed from credit report. Each report reflects one card and another card on other but both should be removed.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX on XX/XX/2023 to do wire but they said it is cheaper to do it with your phone so they showed me how to do it and I did a wire transfer through my phone for {$880.00}. I got receipt number XXXX. It said date funds available XXXX XX/XX/2023. I waited then the person I sent the money to still didnt get it yet. Then I went to bank they said we cant help you you did it in your phone. I have receipt transaction number proof of payment and everything. Manager told me cant help me I have to message them on messaging center. I did that then they ask for my receipient information I submitted that. They told me to wait another 2-3 days while all this is going to on every two to three days the weekend comes so technically I was losing 5 days to waiting for my payment to get to my receipient. Still didnt get it contact chase executive office spoke to wire transfer specialist he gave me this case number XXXX he told me we will send them communication they have the funds now wait for their response another two to three days. I wait another week then I call and he goes they didnt respond so Im gon na go my higher ups and get them involved. Another two three days. Then again I called today XX/XX/2023 49 days later he goes no response for that bank. So that was my hard earned money saved. And chase bank cant help me. I need help please help me resolve my issue I will highly appreciate that. If you need any receipts Proof of payment I can email you Thankyou
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A