Date Received: 2023-02-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: * On XX/XX/2022, a fraudulent purchase totalling {$16000.00} was made using my JP Morgan Chase Amazon XXXX XXXX XXXX at XXXX in XXXX XXXX, XXXX Massachusetts. * I was immediately notified by the credit card company via email asking if this charge was legitimate to which I responded NO. This in turn closed the account, at which point the JP Morgan Chase issued a new card and sent it to me. * I received instructions from the company explaining that they were conducting an investigation into the charge and that I would receive further instructions and possibly a call from a Case Manager. * A case manager contacted me on XX/XX/XXXX, left me a voice mail to which I responded with a call back roughly 1 hour later. I was put on hold while the operator attempted to reach the case manager and after a long period of time, I was told that the case manager couldn't speak with me at that moment and that they would contact me later that day. I never received another call back from the case manager that or any other day. * I was notified via email that my case had been reviewed and that the purchased was deemed legitimate with no supporting evidence and I was now liable for this {$16000.00} purchase. *I 've since filed a Police Report with the " XXXX Police XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My supporting documentation includes the following : XXXX ) Snapshot of my XXXX Timeline from the date in question showing I never left home XXXX ) a copy of my XXXX XXXX invoice from XXXX to XXXX - again showing that there was no travel on XX/XX/XXXX into XXXX XXXX ) a copy of the initial letter stating an investigation was pending We were in the city of XXXX on XX/XX/2022 for a show at the XXXXXXXX XXXX but we ate at a restaurant called the XXXXXXXX XXXX XXXX ( my transaction log shows that date ). We believe it was at that point I lost possession of my credit card.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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: I received a call in XXXXXXXX XXXX XXXXXXXX stating that my Chase Saphhire XXXX card was past due. I told them it was a mistake because I hadn't made any charges and I hadn't received an email stating I had a payment due. They looked over my account, and my partner had used the card without my knowledge. I did not receive an email stating a payment was due. The phone call was the first notification I had. I paid the full amount on the card on the phone that minute. The representative waived the late fee because I haven't had late payments or issues on my account. They assured me that everything was fine and my account was completely paid off. On Saturday, the XXXXXXXX XXXX XXXXXXXX, XXXX, I was working with a loan representative and was notified there was a 30-day late notice on my credit report. I immediately called Chase and explained I had talked to someone in XXXX and paid the bill immediately. I told them the representative assured me everything was fine because of my excellent history. The representative tried to connect me to the Credit Bureau Department. Because it was Saturday, they were closed. I called back on Tuesday, XX/XX/XXXX, and was told by XXXX in the Credit Bureau Department that they make XXXX exceptions with credit bureau reports. The payment was 38 days late, which is 8 days past the reporting time. I explained the situation to him, and he said it didn't matter. I asked for a supervisor, and he stated he was a supervisor. He was very rude, offered no help, no suggestions, no directions on where I could go from there.
Company Response:
State: UT
Zip: 84005
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account with Chase Bank, it was fraudulently, attacked by hackers or scammers. The bank was looking into it, and was supposed to help me fix this problem, and denied my case twice. I have tried getting my money back, giving them information so they could see where the scammers sent and did with the money. They have sent my money, they have sent it to my XXXX XXXX and taking it out themselves, so I could not get it back out. Some of these charges were sent to a XXXX account which I have never opened a XXXX account I dont even know how to use a XXXX account. I am on XXXX I get a check once a month I need every dime that I have. I am fighting for the money that was taken out from this fraud scam. I have given them information that this money was sent to. I dont know if they dont understand that my account was hit by fraud. I have had my identity stolen and they had every information about me. I have never given anyone authority to go into my account and steal my money. Every time I had a deposit made they took my money. I dont know how they do it, but it was done with my information that I had identity theft. I told the bank what had happened and about the XXXX XXXX information they told me they could not do anything about the XXXX XXXX because it was a third-party. So I open the keys so they can see what was taken out of my account, and they were supposed to be investigating it. Instead they decided to reverse money into my bank account from XXXX XXXX and then turned around and reversed it back to XXXX XXXX. This has made XXXX XXXX put me on a violation where I can not get any information anymore from them. I explain this to Chase Bank and I think they are responsible now for refunding me the money that they have messed up from the XXXX XXXX. I was working on this myself since they stated they can not deal with XXXX XXXX and gave no one authority to go into, my XXXX XXXX account. I gave them the information that they needed plus when they went into my XXXX XXXX account and took money. They were taking money that they didnt even need to take. So this messed up everything into my XXXX XXXX plus I guess my case. I have been to the bank. Explain this information. Seems like no one can help me. So I contacted the XXXX office and they connected me with a XXXX person to handle my problem which was never handled. It was just closed. I didnt know what else to do, because I have written them several times and sent them the information that I had. I dont know the reason they went into my XXXX XXXX to begin with to reverse money back-and-forth and dont know why they just didnt keep the money into my account, instead of reversing it back. As far as the hackers going back into my account, I had put special security, so no one can take out money from my account except for me with a special code. They have closed XXXX accounts and gave me at least XXXX new debit cards. I dont know how these hackers kept getting my information. I know when it first started it started through XXXX. They hacked my information from them. Started when I first called XXXX. I was transferred to the Limitation department to get information that I needed for some help. When they connected me, the person asked me all the information that they normally ask when you calling to XXXX. Then they tried to start asking me information that they shouldve had in the computer if they were actually XXXX employees I did not give them any information. I knew something was wrong because I can hear things in the background and other people, asking questions and saying they were from XXXX. They must have hacked into XXXX computer system install all my information that was in XXXX. I have spoken to XXXX. They did not give me an answer of how this could have happened so this is how it all started. Somehow they followed me or found me, when I change banks. All I am trying to do is get my money back that was stolen and chase bank will not help me. Especially after they have messed up my account by doing something that they shouldve never did so they are responsible for giving me my money back. No matter what I do for them to help me they tell me the case is closed, then, when I try writing to the person that was helping me in the XXXX office, I do not get return calls. The last call I have made to him I was told the case is close and they could not help me. So I feel that chase bank has stolen my money. What is the FDCA for if they can not send me my money back this is insurance protecting the bank and myself for deposits that were made and taken. I have called the FTC and they are the ones who told me to get in contact with CFPB.
Company Response:
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wednesday, XXXX XXXX, XXXX Consumer Financial Protection Bureau 1700 G St. NW Washington , DC XXXX Dear XXXX, Re : Complaint against JP Morgan Chase relating to identity theft and fraud on my checking account # XXXX, losing US {$88000.00} The purpose of this report is to file a Complaint against JPMorgan Chase relating to fraud and identity theft, where I lost from my account a total amount of US {$88000.00}. This was the total amount in my checking account as of XX/XX/XXXX. My name is XXXX XXXX. I am a US citizen currently living in XXXX, XXXX, holding a U.S. passport no XXXX. I have a checking account # XXXX with JP Morgan Chase, which I have maintained for over 25 years. Summary : The fraudulent activity in my JPMorgan Chase checking account started on XX/XX/XXXX, and by XX/XX/XXXX, the account had XXXX funds in it. This first time I came to know that my account has been hacked and that I have been robbed was when on XX/XX/XXXX, I received a Non-Sufficient Funds Notice ( please see below excerpt of notice ) from the Chase Bank via U.S. postal mail to my current address in XXXX, XXXX. As soon as I realized of this fraud incident, I made numerous calls to the fraud department of JP Morgan Chase to report the fraud. But since someone had changed my password, despite the fact that every time the bank verified my identity through a series of thorough questions, they were unwilling to set a new password for me to gain access to my account. After I exhausted all my efforts with the bank, I had no choice but to travel to New York and meet them face to face. On Tuesday, XX/XX/XXXX, I went to JPMorgan Chase branch, located on XXXX XXXX XXXX, XXXX New York. I met with the XXXX XXXX XXXX, XXXX XXXX, who heard and understood the whole situation. After verifying my identity, XXXX XXXX, called and discussed the issue with the Chase Fraud Department, and then confirmed to me that the money was taken out via several fraudulent checks and wire transfers over a period of one year, from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX told me that the Chase Banks fraud department acknowledges the fact that this is a fraud issue and that my account has been robbed, however, the bank cant help me any further in this regard. I have exhausted all my efforts with the Chase Bank. I could not access my account due to identity theft and fraud, and now that I travelled all the way from XXXX to the United States to prove my identity and the fraud, JPMorgan Chase is totally uncooperative and is not willing to compensate me for the heavy loss that I have suffered due to their lack of controls. The money that I have lost was all my life savings that I have been saving for over 25 years in this account with JPMorgan Chase bank. JPMorgan Chase is liable to protect my deposit, which, as a customer, I trusted with them. I am reaching out to you in desperation, and I am filling this complaint against JPMorgan Chase Bank because I trust your institution will help protect me as a consumer. I took the time off from my work and have travelled from XXXX to resolve this matter. I am in New York until Saturday, XX/XX/XXXX, to resolve this issue. I would greatly appreciate it if you can please help me in resolving this matter at your earliest. Please feel free to reach me anytime at email : XXXX or at international mobile number XXXX XXXX XXXX XXXX. My address in XXXX is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I look forward to hearing from you. Thank you. Kind regards, XXXX XXXX XXXX : XXXX XXXX file
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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: Starting in XX/XX/2022 I called XXXX and canceled my {$9.00} a month membership and I also disputed it with Chase, my credit card company acct ending in XXXX. Since XX/XX/2022, so over 1 year I called XXXX 5 times and have disputed this charge with Chase each month. Chase has credited my account each month except one but when I called to complain they stated that they can not stop the charges if the merchant ( XXXX ) keeps putting the charges through. I told them I did not authorize XXXX to continue putting charges through and this is fraud and Chase still claims there is nothing they can do about it even if I cancel the card they will still continue putting it through each month and I would have to continue to call each and every month like I have been for over a year now. This is criminal on both XXXX and Chases part neither one wants to do a thing about this, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: We received an email from what appeared to be a trusted vendor of ours. The email declared that the vendor was changing bank accounts. In subsequent email exchanges we got the new account number and wired ( ACH ) our payment of {$2900.00}. One week later we learned from the vendor that they did not have a new bank account. Upon review of the email we received, we realized that the email account we had been communicating with was the exact same as the one we had used in the past, except the last letter was missing. It was not .com it was .co in other words, we had been cleverly tricked. The bank account information the fraudster used was an account with Chase bank and the ACH was also sent from a Chase bank. We contacted Chase, but they told us there was nothing they could do without involvement of law enforcement. That did not seem right to us. All Chase Bank had to do was to reach out to the other account holder and tell them they had a disputed transfer to their account. It should be easy for them, it is the same bank!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with customer service
Subissue:
Consumer Complaint: XXXX JPMCB XXXX XXXX XXXX XXXX $ XXXX original debt I contacted the credit card company to try and settle the debt. I asked for a pay for deletion settlement agreement and was told that it was against the law for them to do that. First, reporting to credit bureaus is voluntary. Nobody is legally obligated to report your debt to credit bureaus. Second, the Fair Credit Reporting Act ( FCRA ) only requires that if a creditor decides to report information about you to credit bureaus, it must report accurate and complete information. I am not asking the creditor to report to the credit bureaus that I paid as agreed '', However, the creditor can make a pay for deletion deal which calls for it to report nothing about my account to credit bureaus. I was told that they didn't know about the pay for deletion, they would have to check with some one higher up. told me how much i could pay today to settle it and the amount. I began to explain my situation and told them i just want to pay it in full and be done with the account. I was given a past due amount to pay. A application for hard ship was even started at one point. was told i would have to sign a settlement agreement and have a XXXX sent to me. i asked to be transferred or got transferred because we couldn't figure out that i just wanted to settle the debt, and have changes reflect to the credit report agency. i was transferred 8 times and the last representative stated that pay for deletion is illegal and it would be lying. he also stated that i needed to pay the full amount. I asked about the hardship application and he stated that i would have to pay the full amount. I asked to speak to some one else and i was told over and over that there was no one else and i could opt for a call back in 72 hrs. I stated that he needed to put it in writing that my application for hardship was denied, the total amount i needed to pay to settle the debt and that this was his decision and there was no one above him. He was the top. i asked a couple more times and he refused to put anything in writing or transfer me, He stated there was nobody to transfer me to. He was laughing at me because i am extremely stressed out, embraced that I'm even in this situation, and in good faith called and tried to settle it for the full amount ....
Company Response:
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/22 I wrote a check to XXXX XXXX to pay my bill from my Chase Checking acct. The check was cashed on XX/XX/22 but NOT by XXXX XXXX it was obviously stolen by someone in transit ( mailbox? ) and deposited into their XXXX XXXX XXXX acct. I have the copy of the check that was cashed as someone signed their personal name and deposited into their personal acct even though the check was made out to XXXX XXXX.?! I filed a claim with Chase on XXXX but am getting a run around after 3 months I was under the impression that Chase could claw back these funds from XXXX XXXX XXXX since it clearly shows that it was cashed NOT by XXXX XXXX? they keep asking for more info. that makes no sense as this to me is cut and dry? Please help, thank you!
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello Sir/Madam, I received a letter mail from Chase on XX/XX/2023 that they decided to close the checking account and one of chase credit card by XXXX 2023. I have been using the checking account for more than 10 years and have been loyal customer to chase. I don't understand why all of a sudden they are closing my accounts. I have called Chase and they couldn't give me an answer as well. My transactions are very normal as usual, normal direct deposit, normal transactions. They are closing my accounts without giving any reasons. I only have one account, now I have to open others and try to move things fast to move the money out of Chase. This is just so insane, I need to complain on their service to treating a loyal customer like this!!!!
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/22 while shopping for my daughter before XXXX I received a call from what seemed to be a Chase fraud prevention department regarding a purchase in XXXX in the amount of {$740.00} that didn't go through. It was decline and was it me? I replied " absolutely not '' They said don't worry XXXX XXXX we will cancel and close that debit card and reissue and new one to your current address. And then they told me my address. I said correct please send it here. They then kept me on the line to verify me before sending the debit cards. I received a text to a link that is as follows https : XXXX. It took me to my online banking app portal where my face recognized me on my device and then gave complete access to this individual. I didn't know it at the time but they then infiltrated my online account as they keep me on hold to " verify '' me. At one point they requested some answers to questions only I would know regarding my identify all while on another call speaking to a Chase bank representative impersonating me. While the Chase representative the scammers were talking to tricked the Chase rep the scammers were then able to get inside my account and started to make large transfers from my personal and savings accounts in the amount of {$120000.00}. I filed numerous claims with Chase and the continue to close my case saying I called them and authorized these wires. In actuality I never made one outgoing call on this particular day. We got a history of my phone calls for this day to prove this. So what happened is they actually spoke to a scammer who they thought was me. They never got ahold of me to confirm these wires were legitimate. They actually acknowledged speaking to " XXXX XXXX '' and this was their grounds for closing the case. There is devastating to me and my family. At one point I was tricked into transferring the money back to the Supervisor of the bank which the scammers had made a recipient in my business account vendor list. Being tricked and shaken and watching my money being transferred around my account in real time and not by me I panicked and did what the representative on the phone requested of me. Never once did it occur to me I wasn't speaking to a actual Chase representative. The number they called from matched the number on the bank of my debit card. And to make matters worst they knew my name, my address and had my direct cell phone number. BTW my cell phone number is the only number I have as a authorized number of my checking accounts. The number the scammers called Chase bank to facilitate and set up these wire transfers were not a authorize number of any accounts of mine. This should have been suspicious to any Chase representative at that very moment and to prevent me being scammed could have easily called me directly to check on this activity and or verify I was in fact doing these wires. That never happened. Im still fighting to get my {$120000.00} back from Chase even though they continue to stand by their statement that they spoke to me and have the call recorded. It's impossible and we have tons of proof and evendence to show I couldn't have called Chase that day because I didn't actually call anyone that day. Also the time the bank rep was talking to " me '' I was on a call with the scammers for over 3 hours.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A