Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Looking into my credit report, I see that I have a new unfamiliar account with a negative pay status. The company is JPMCB, opened XXXX XXXX, XXXX closed XXXX. XXXX, XXXX last reported payment XXXX XXXX, XXXX. The credit report states that the limit was {$1700.00} and the last balance was {$2100.00}. Account status, Collection/Charge off. I personally did not open a credit card until XXXX and have never had a Chase Bank credit card.
Company Response:
State: IN
Zip: 47404
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 as I attempted to login to my mobile banking app I received a notice advising that the application had been locked due to suspicious activity. Prior to the application locking I had logged in a number of times as I expected a deposit from a new job that I recently started. I reached out to a customer service representative at the number provided by the app and was immediately advised that the account was being closed with the reasoning of there is not a reason the bank can close the account at any time. ON XXXX XXXX I reached back out to see if that information provided was accurate. I was now advised that my account only needs to be verified in branch with 2 forms of ID to be unlocked. Later in the evening on XX/XX/2023 I reached back out to customer service as my account balance had changed which reflected the deposit but as I attempted to use my debit card it advised that it was locked. I also received an email stating that the account was restricted and may close soon. The email prompts me to login to the application to review the letter as I have paper-less notifications setup. I brought this to the attention of the rep to see if I could get a clear answer of what the notice is advising, if I do need to verify the account and how I could obtain the funds on the account. I was advised that no information could be provided and that I would have to refer to the letter. I am very disappointed and feel that the bank has acted both without reason or concern for the customer. Im in cycle of not knowing what to do and not getting any answers. I really can not think of any reasoning that the account would be closing and why Im not allowed to know what is taking place on the account.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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 purchased a merchant on website scarce.us costed {$420.00} and it supposed to be delivered to my house on XX/XX/2022 by XXXX. But I was not home at that time when they delivered. So I requested to ship once again to my house but it never happen. And couple days later when I tracked the package on XXXX website, it said the package will send back to the shipper. So I did ask their customer service to refund me, and they said they will when they received the package. However, I never receive any refund, so I disputed on the charges my chase credit card account. However, they denied my dispute because they said the sender provided a tracking number and it said it shipped to my address. But it is not true, I never receive any merchant. And now I check the tracking on XXXX again, I can see the sender is filing a claim on this shipment.
Company Response:
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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: Chase XXXX Department Submitted via Chase XXXX RE : Next steps on Chase dispute claim ID # XXXX XXXX XXXX XXXX XXXX my husband and I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TV from XXXX XXXX website ( order # XXXX ). On XXXX XXXX XXXX XXXX XXXX XXXX delivered a XXXX TV. Within minutes of the team leaving, we realized that the wrong TV had been delivered. I contacted XXXX XXXX support who informed me that the correct TV would be delivered by XXXX XXXX and the wrong TV would be taken away. ( We do not own a vehicle large enough to bring the wrong TV back to the store and didnt want to do a return as we wanted the XXXX XXXX pricing we got on the XXXX ). XX/XX/XXXX came and went, and no TV was delivered. I contacted XXXX XXXX support multiple times, informed them that the XXXX was not delivered and that I needed them to come get the XXXX. The support personnel confirmed multiple times that this would happen. Then they said that they had filled out a form, however, no contact was ever initiated by XXXX XXXX, nor did they make any attempt to remediate their mistake. I wrote to them on XX/XX/XXXX, informed them of the situation, and that I would be initiating a chargeback. XXXX XXXX support assured me that it would all be taken care of, and we did not hear back from XXXX XXXX via any form of contact after. We do not want the XXXX and have no way of getting it to a XXXX XXXX store. They need to deliver the correct item that we purchased and remove the large, wrong item. As is this purchase is not valid because the item is not as described. Please see below for screenshots from some of the many conversations weve had with XXXX XXXX. Best, XXXX XXXX Last XXXX digits of credit card XXXX Chase support denied our chargeback claim despite providing evidence that XXXX XXXX delivered the wrong TV, and that we have tried to remedy this with XXXX XXXX
Company Response:
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX I advised Chase Auto Finace to XXXX XXXX XXXX. On XXXX Chase Auto Finance put in a Order To Repossess my personal property ( The Vehicle ) in which was assigned to XXXX XXXX XXXX XXXX, Signed by XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX illegally seized my personal property ( The Vehicle ) without my consent. This company told me to schedule an appointment in order to get my personal belongs, before I could do that they instructed me to turn over the keys to ( The Vehicle ). I filed a poilice report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for stolen vehicle. On XXXX I went to the LOT where ( The Vehicle ) was held, Called the local police department in that area to retrieve my personal property, then I was told by XXXX XXXX XXXX XXXX it was an Order To Repossess in place on my personal property ( The Vehicle ). I also found out that knowingly and willingly these compianies conspired these unlawful acts against me. Both companies was aware of the 1st XXXX XXXX XXXX ordered and continued to proceed with unlawful acts. I will incude a peronalized letter, picture proof of the fraudulent act, the first initial XXXX XXXX XXXX order, and ATTEMPT TO COLLECT A DEBT FORM.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried to make an online purchase on XX/XX/XXXX in the XXXX and it never went through. After calling the JP Morgan Chase, they informed me that my account was put on restriction. I called the next day, XX/XX/XXXX ; and was told that Chase has decided to cancel their relationship with me. They never told me this was happening, nor did anyone tell me why this happened, just that it happened. They also wouldnt provide a contact number, email or name of any supervisor that could give answer my question. Everyone told me that this was their policy. I called Chase several times in an attempt to get an answer to how this happened, but all I was told was that Chase has the right to tell me or not to tell me. That and when I tried to get the cash out of my account, they refused to let me cash out. They are holding my cash and putting me in an impossible spot where I cant put gas in my car or anything. With everyone on online banking these days, and banks being able to, according to the lack of information provided, seemingly randomly canceling peoples accounts and holding their money from withdrawal, this puts people in bad spots. When I go to another bank what will keep me from doing whatever I did previously again? If I knew why this happened, I can fix it.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: CHASE BANK XXXX Mobile deposit 10 checks from 1 company totaling XXXX dollars. XXXX Account shows XXXX. Go to bank. Was told XX/XX/XXXX check for XXXX flagged. Check issuing company needed to be verified. Last year I received and deposited 2 checks from same company, did not require verification. This company processes XXXX checks a year. -At Chase banker informs me the phone number of the company on the check can not be verified. Told to find another number for verification by Chase Deposit Review Dept sent home. Try 10-15 different numbers. Each time starting over with a new chase employee on the phone and have to explain situation again. Determine after calling Chase 's 3rd party verification system company XXXX XXXX myself, that they will NOT verify ANY provided numbers of this company and therefore Chase will not be connected for the call. Back to bank. Recommended best route is to ask check issuer to recall checks and send wire transfer. - Contact check issuer. NOT able to recall the checks, as they show checks are deposited in Chases system. Chase confirms funds have been deposited, but won't release to my account. XXXX Account shows balance of XXXX of available funds. Thought problem was over. Go to XXXX debit doesn't work, account froze. XXXX Account froze, now told ALL checks need to be recalled to gain access. Check issuing company can't recall, because chase deposited them all. - XX/XX/XXXX -Chase customer service rep casually informs me my account will be closed. I ask when? Replies in 10 days, but that this process started 4 days ago ( so 6 left ). - XX/XX/XXXX Conference call with my banker, the check issuers XXXX XXXX XXXX & Compliance Officer her point of contact at XXXX XXXX XXXX and Chase 's Deposit Review Team, to verify the check. Check verified! Should have funds next day. - XX/XX/XXXX Wake up, login into my account and my checking account been completely closed. - Call back to the Chase Deposit Review number. Told in the process of being re-activated by Tuesday ( 2-3days ). No check issued for my remaining balance. XXXX Now 2-3 business days later still NOTHING. Account not re-activated. XXXX funds or access to account. I call Deposit Review department, and am again told it will be two to three days for the account to be re-instated. Which would now put 2-3 days as Friday. -Confused, I call back again, concerned that come Friday I will simply be told it's another two to three days. New rep informs me that NO my account will be NOT be coming back online. and it is permanently closed. " I ask him is there a note saying it will be opened in 2-3 business days? '' He says " yes there is '' I ask, him " are you telling me I should ignore this, and that my account will NOT be returned. He answers YES. Why was I told it would be re-opened? No answer. XXXX Back to bank. Told if I didn't see funds he is authorized to create a new account to transfer the funds to. That will take 1 business day. XXXX Account still gone. Go to bank to create new account. Banker calls again his side of customer support, are told it will again take 2-3 days to complete the transfer. He is dealing with the same circle I am, having stated he has already verified all checks. He asks " what confirmation can we give him ( me ) that the funds will be there in 2-3 days as their word means nothing at this point '' No way to confirm. -After mentioning I may need to contact a lawyer, I'm informed this will now go to their escalation department. I ask if there's a way for me to contact them. No. They will contact me. XXXX Not satisfied to wait ( rent past due ) I call Chase main number and ask to speak to the escalation team. I am transferred, go through the same scenario, again ask if this is the escalation department. It's not, very reluctantly, after asking pointedly, I am transferred. - Informed because checking account was only created today tells me it will now take 4-5 days to move funds. NOT holding my breath that it actually happens. - Ask if I am able to call this department back directly. Tells me no. Given number that is the same Chase Deposit Review number who originally could not verify the check, and then once verified, continues to not release fund, and continues to tell me 2-3 more days, Not confident this will be resolved in anyway. Now I have to re-do all my online remote deposits to new account, yet I have no money to put in there to pay for anything. In addition to not paying rent, I've lost about 3.5 working days on my small business as I'm self employed. P.S. The banker who assisted me has been the ONLY positive customer support I've experienced up to this point.
Company Response:
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Im XXXX of XXXX I was selling a piano on XXXX XXXX. Someone messaged me interested and wanted to pay through XXXX. The transaction went through and I later learned/realized it was a scam. I immediately called XXXX with no help and I called JP Morgan Chase to have them all help. They put the claim through but because it was a scam they could not help me get back my money. Because I fell for the scam I lost out on {$500.00}.
Company Response:
State: NY
Zip: 13027
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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 reported a fraud charge of {$750.00} posted on my chase credit card on XX/XX/2022 from a merchant XXXX - I don't know this merchant and never did this transaction and provided all the documents to banks fraud team to prove the same and also provided them proof of purchase for my another booking made directly by me directly with airlines. My card information was stolen and charge was posted which the bank investigated but did not settle the fraud charges, this is not acceptable as I provided all the information to the banks fraud team proving no relation with the merchant whatsoever and transaction was not done - their system approved a transaction which I have not done and now they refuse to fix it. I along with bank representatives several times even reached out to the merchant to prove the transaction, merchant did not respond at all and yet bank declared the transaction as valid. I also brought up the concern with XXXX and yet the merchant is adamant. they are not reverting the fraud charges. This is completely unethical and unacceptable, I would like chase bank to immediately remove the above fraud charges and apologize for the time they have wasted from past 1 month, I am afraid chase bank is leaking my information resulting into fraud charges which then they refuse to revert. This needs to stop!
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had an issue with a wire transfer on my chase account. XX/XX/2023. When I 1st called the rep from their XXXX location told me I had to find another way of sending money. I then spoke to a supervisor in Ohio she went through a verification process which the other person did not do and told me to submit it online again. It was denied. I went to a branch in XXXX XXXXXXXX fl to fix the issue. Rep did not appear to want to help me. She contacted department and gave me the phone so I could verify again with them. While doing this rep continue to text on her phone not keeping herself available for my service. When done she wanted to charge me more to do the wire transfer. I told her I do it myself and left. She was rude and not very helpful since she did not appear to want to do her job. I file request for wire transfer a 3rd time. I get a call from rep in XXXX and he wanted to verify again. I had to tell him I just got done doing it. It finally went through. I called and filed a complaint regarding issue with wire transfer and rep. No one ever called me back. On XXXX XXXX I was trying to transfer money from savings to checking. It was not working. I called and spoke to rep about issue so she did the transfer for me and contact chase it department about issue. Afterwards the I found transfer went through from rep and online. I get a text on XX/XX/2023 saying my savings is XXXX balance. I get on line and only see my checking account and car loan. I also show on checking that a payment to XXXX XXXX cleared on XX/XX/2023. I got a call from my insurance agent that my account was frozen and they never received payment. When I called about this issue they said account was frozen on the XXXX. But yet it shows payment is cleared. No one wants to provide any info and I keep getting hung up on. I call chase and they tell me that that they closed my accounts and sent me a letter which I have not received. They won't give me a reason. But yet I still have my car loan. I have never had any major issues with them until I did a wire transfer and this rep from the bank along with issues online,. I have been with them 20 plus years. The bank created all these issues and appear to penalize me for their mistakes by closing my accounts. I never even received a call back from a manager in regards to my complaints. I never go into a bank unless it is absolutely necessary. All banking is done online and I use secure codes when I access my account. All their issues cause me extreme frustration and now they penalize me for them by closing my accounts. They are holding my money hostage!
Company Response:
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A