Date Received: 2023-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: Timeline : XX/XX/XXXX : I received notifications that I received XXXX payments from an individual I personally knew. These payments were : {$1.00}, {$990.00}, and {$800.00}. I contacted the individual to inquire about why these funds were sent to me and she responded saying that she did not make these payments and that she was actually on the phone with a supposed Chase representative who called her regarding fraudulent activity being detected on her account. I was told that the representative had asked if I could be added to the call to figure out what had occurred and why and how these funds ended up in my possession. During the call, the supposed representative told us that they were able to recover her account and that I would be able to send these funds back to her. I had no plans on keeping these funds as they belonged to her to begin with, so I made XXXX payments of {$1000.00} and {$800.00} back to her phone number and contact name per usual. However, upon doing so we realized that none of these payments made it back to her account. I initially received and made a XXXX payment back to her of {$1000.00}, and later received another {$800.00}. During this time, the Chase customer service phone number called me and it was the same supposed representative telling me it was safe to send the rest of her funds back to her. Thus I sent the rest of the funds back to her phone number. Moments later, the individual contacted me telling me that she was just on the phone with a Chase representative on her fathers phone who told her that no one from Chase made a call to her, and that it seemed like it was a fraud. She was told to file a report to the fraud department the following morning. XX/XX/XXXX : I woke up and logged into my online banking profile to check whether my own money and bank account was fine and saw that her money was still in my account and it seemed like the payments were not able to go through. I contacted her to notify her of this news, and she said that she would call the bank to inform them of this. After doing so, we were relieved that the money seemed like it was fine and she was told her case would be closed. XX/XX/XXXX : The following morning I woke up to check my online banking profile to make sure her money was still safe in my account and found that the funds were now no longer in my account and the payments were all successfully processed. I notified her of this, and she said she would once again contact the bank to inform them of this. I was told that another claim was opened for it. XX/XX/XXXX : I woke up and checked my online banking profile to check if my own money and profile was safe and found that I was debited {$1.00}, {$990.00}, and {$800.00} by the financial institution in a reversal claim leaving me with a negative balance. I was shocked and did not understand why funds that were no longer in my account were being taken from me. I contacted the bank to inquire about this, and was told that they would open a claim in regards to the {$1000.00} and {$800.00} I sent out to the individuals phone number in an attempt to return her funds. I was told that since these funds never reached her account, despite her phone number being correct, that I was eligible for reimbursement. XX/XX/XXXX : I felt anxious and stressed as I had not heard in a few days about my claim as I did request for text updates. I decided to check my notices to see if I received anything and was shocked to see I had four new notices that were all sent out the same day ( XX/XX/XXXX ). Upon reviewing these notices, I saw that the documents stated that no action would be taken as discussed and agreed upon. This shocked me as there was no discussion about no action being taken nor was there any agreement on this either. I contacted the financial institution to inquire about this, and the representative told me that it seemed like the claims were not filed properly, and that he would file a more detailed claim for my case to be investigated. XX/XX/XXXX : I received a new notice that stated the transaction ( s ) was sent according to the recipient 's email/phone number and instructions you provided, '' so no actions would be taken. I was confused as I have reiterated multiple times that despite sending her funds back to her through her phone number, the funds never reached her account. I decided to fax in documents to support my claim and explain in detail what happened. I made a call to the financial institution once again to notify them of this, and requested for it to be used in the investigation. XX/XX/XXXX : I received a new notice that stated that the transactions made " was processed according to the information you provided or was authorized, '' and that " no adjustment would be made. '' I made another phone call to the financial institution to inquire how this conclusion was made, and whether or not my documents were used during the investigation. The representative told me that it seemed like the documents I sent in were not used, and that it seemed like they were not yet in the system. I was told that I should call back in a few days to inquire about whether or not my documents were received and proceed to ask for the investigation to be re-opened. XX/XX/XXXX : I made a phone call to the financial institution to inquire about the documents I faxed and requested to re-open my investigation. The representative on the phone told me that she would request for my claim to be re-opened, however, she did not believe that I would be able to be reimbursed. She told me that she read through my documents, and since the transactions involve XXXX XXXX and XXXX they were unable to do anything. I was told that the most they could do is request for a courtesy check from XXXX XXXX which she believes would likely be rejected. I do not understand why XXXX XXXX would refuse to cooperate to track, locate, and return stolen funds. I further do not understand why my own funds were taken from me by the financial institution to supplement another individuals stolen funds. XX/XX/XXXX : I received notices from the financial institution stating that my account was credited {$1.00}, {$990.00}, and {$800.00} as these credits were not owed to me. However, I did not receive an explanation on why these funds were removed from my account even though they were no longer in my possession as shown in my statements. I also did not receive any resolution nor explanation on the claim that was filed concerning the {$1000.00} and {$800.00} I attempted to return to the original owner. I received statements regarding another individuals claim to explain why my account has been debited, but I did not receive any statements regarding my own claim and situation. These notices were sent to me the day after I requested for my claim to be re-opened and for my documents to be used, rendering me to believe no one gave attention towards the documents I submitted. It seems like the financial institution is ignoring my situation despite my continued cooperation. Throughout the situation, all I attempted to do was return money to its original owner the moment it was wrongfully sent to me. I do not understand why I am receiving consequences for attempting to do the right thing. I attempted to send the funds back to the original owner using her correct phone number. I also believe that these actions violate the rights that are set in place by regulation E of the EFTA. Throughout the entire situation, the individual posing to be a Chase representative made various statements that sounded like they were legitimately a representative from the financial institution. Furthermore, the supposed representative seemed to have a lot of information on both victims which would be expected from someone that works at the financial institution. The phone number that called both of us also matched that of Chases customer service phone number. Considering all XXXX payments made from the individuals account were all unauthorized, she believed that her account was really compromised and just wanted to cooperate with the financial institution to resolve the issue. We were both made to believe that it was being resolved, and I was instructed to return the money back to its original location.
Company Response:
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2022 I was selling a bed on XXXX and I get a response asking if I accepted XXXX which I had never used before but I knew it was through the bank I use so I agreed. After that I get an email from XXXX saying I needed to activate my account. While I should have realized I shouldnt send money to XXXX at the time, I had also never used XXXX and trusted the email. After transferring XXXX dollars 2 times for a total {$400.00} it asked me they asked me to send another {$100.00} which I refused due to only having {$35.00} left in my bank. When I requested XXXX for a refund and stated I no longer wanted to activate my account they stopped responding. At this point I realized it was a scam and that night ( might have been the following day not sure if it was after midnight or not ) I filed a police report which I can contact the police department to get the report number and also as soon as my bank opened I reported fraud and they said they would look into it and get back to me which could take up to 90 days. It has been well over 90 days and I have still heard nothing back from the bank or the police. The police said there was most likely nothing they could do due to the fact most scammers are not even in the United States and the bank advised that XXXX will never send emails and both confirmed it was most likely scam Please help
Company Response:
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I did the real-time transfer of {$1000.00} from chase bank XXXX XXXX XXXX Bank XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX. I followed up from both banks as my money should have been available on the same day, but both banks were blaming each other. Chase claimed funds are already deducted at their end, and XXXX is keeping it on hold. XXXX claimed they are receiving bank and have no role in this transfer. I was following up daily with both banks and they were not providing me with any details, like the final transaction number. How many banks are involved in between? I received the money in XXXX XXXX Bank on XXXX XXXX at XXXX XXXX XXXX. Even after that, both banks have provided no reason where my money was for all this time who was holding it up, and why it was held up. I went through so much mental trauma because of this. At XXXX point I left the hope that I will receive my funds ever. I will need your help to know the reason I had to go through this whole mental trauma, why the bank was hiding the complete details, and in this kind of situation why the customer needs to follow up, isn't it the sender 's bank ( Chase ) responsibility to ensure the safe transfer of funds?
Company Response:
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: Saturday XX/XX/18 I sent a XXXX payment through my chase app of XXXX at XXXX to an individual Who I thought was a vetted individual ( friend if a friend, former student of a friend ) for concert tickets. This person was real but his account had been hacked and therefore was sent to an unknown individual. XXXX and chase are refusing to do anything about it.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX Veteran XXXX XXXX XXXX now complains against MetLife. MetLife was fined {$120.00} million dollars for residential mortgage fraud committed from XXXX to XXXX, my fraud was committed on XX/XX/XXXX and continuing because I am being overcharged at 5.5 % interest which was falsely claimed at my home loan closing when I was quoted 4.5 %. MetLife 's now disbarred attorney XXXX XXXX, and their XXXX Georgia Home Loan manager XXXX XXXX ambushed me at the closing and said the VA had approved 5.5 % interest because my house was under {$50000.00}. Not only did the XXXX VA Regional Office later tell me that MetLife had made a false claim, but, I have the entire history of the VA Public Laws and nowhere is there any VA Public Law providing lenders a higher rate if the house is under {$50000.00}. XXXX recently published a report that many Veterans are being overcharged. My research on this which I will attempt to attach, shows that in XXXX XXXX, 3 Congressmen pushed Public Law 104-110 which only permitted the secretary of the VA the power to change the VA Home Loan interest rate from the traditional 1/2 percent below XXXX rate to " negotiation '', but not even MetLife or my FOIA requests or letters to the Secretary of the VA, no one, can produce any change signed by the VA Secretary from XXXX to XXXX, and even beyond, allowing negotiation. Because of the MetLife $ XXXX fine, my loan wound up with XXXX and I have not only been overcharged at 5.5 % interest, but my report to the CFPB has never been answered to me even though XXXX XXXX XXXX has just been fined by the CFPB for what they did to me and others, XXXX raisded my payments to {$370.00} from {$330.00} and ignored my requests for an explanation why, and XXXX concealed the CARES ACT from me which would have helped at the time to get my interest rate down to 2.7 %. MetLife also owes me {$230000.00} for concealing my life insurance policy and denying I had one, and, they caused me personal injury by not paying my VA Dental Insurance claims causing me to lose at least5 one, and probably two teeth. XXXX XXXX XXXX reported this as " The insurance industry under investigation. MetLife signed a 22 State Consent Order promising to pay me and then denied I even had a policy. Please help this time. Please send me additional space to submit documentation. XXXX XXXX XXXX XXXX
Company Response:
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I was the victim of a crypto scam. The criminals posed themselves as investors and had me transfer money to XXXX. My intention was to transfer it back but it was stolen. This caused the business that I am a co-founder of go into the negative. Chase bank closed this account and I had no idea. They transferred XXXX of my personal funds into the business account after it closed without my authorization. I called chase bank to ask them to take off overdraft protection but they still allowed the account to be overdrawn. I had money in all of my personal accounts. On XX/XX/XXXX my cards stopped working and I called the bank. They told me that my accounts will be closed and a check mailed within 30 days with my balance and the companies debt would go to collections. All of my money was in chase. I am visiting XXXX and have no access to food, funds shelter etc. I went to a branch on XX/XX/XXXX and asked for money to be withdrawn. I was told that this couldnt happen. I provided the police report and FBI report with the crime I was a victim of. I was also told that my personal funds would be used to cover the debt of the business account and that I would be mailed a check for the remainder. I provided our company structure agreement to show that I am not the sole owner of this business and that I do not consent to my personal funds used to cover the business debt, the business debt needs to be settled separately. A letter from my lawyer has also been sent.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/XXXX i saw a XXXX transferfor {$5000.00} from my Chase account that did not made by me i call the bank the same day to report a fraud .on XX/XX/XXXX they return the money but on XX/XX/XXXX they took it back.all this time i tried to recived my money back but Chase say no because its made by me.i am a victim and looking for help. Thanks
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. JPMCB Card XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX and XXXX immediately. JPMCB Card XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX and XXXX immediately
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To whom it may concern, I recently received a credit history report which made me acknowledge an old account on my credit report. Its dating 6 years and 9 months on my credit report. Its a chase credit slate card -account # XXXX I would like to have it removed from my credit history as its too old to be visible on my credit report. I was never informed my account was closed or to to dispute.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
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: I was charged {$670.00}. on my Chase Sapphire card for an outdoor furniture purchase I made in XXXX, XXXX from XXXX XXXX XXXX ( the merchant ). The merchant 's website said it was a " quick-ship '' item and would be shipped in 4-6 weeks. After 4 weeks, I asked for the status of my order and was informed me that it would take another 16 weeks for it to ship. I cancelled the order because by the time it shipped, summer would be over. The merchant confirmed that it was cancelled. In XXXX, I realized that I wasn't refunded for the charge. I contacted the merchant and they asked me if I wanted to cancel the order. I told them I already did cancel. They confirmed that it was cancelled. In XXXX, I got a call from the shipping company saying that they were trying to deliver my order. I told them that I cancelled it. I contacted the merchant and told them that I cancelled the order twice and asked for the status of my refund. The merchant said that they would refund me. In XXXX I checked my credit card statement and found that there was still no refund. I emailed the merchant again and received a reply that stated only " refunded ''. In XXXX, there was still no refund on my statement so I opened a claim with Chase. I provided them with written documentation to support my claim. In XXXX I was told that the charges were correct and it was too late to make a claim. I appealed the decision and in XXXX, XXXX Chase responded that stating that the charge was correct and if I have a dispute with a merchant I need to take it up with the merchant. So here I am. I don't have my {$670.00} and I do not have the patio furniture. During this time I have contacted XXXX XXXX XXXXXXXX by email and by phone, asking them to tell me how and when they refunded me. They do not respond to any of my attempts to resolve this. The bottom line is that XXXX XXXX XXXX and XXXX XXXX XXXX have my money and the patio furniture. I have been a good customer for Chase, and it stuns me that they can see clearly that merchant did not refund me when they specifically stated that they did and yet they won't credit my account and charge back the merchant for both the initial charge and interest that has accrued on it.
Company Response:
State: MA
Zip: 01832
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A