Date Received: 2023-02-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Chase bank accepted false identity to open an account in my name I didn't open it authorize opening account a money wired was sent to me from my aunt she was executor of grandparents estate she wired {$20000.00} to me to this account she said she received the banking information via text from my phone I did NOT TEXT HER.in an investigation a deputy in XXXX XXXX XXXX XXXX located the woman who opened account and had a debit card in my name verified that she did this but concluded that this is a XXXX crime and I needed to report to my local police that this woman didn't commit a crime? The delays and mis information have put XXXX months hold up in locating where my money went. {$16000.00} was drained when XXXX froze account. I have received XXXX from chase who allowed this to happen they are not assisting me in any way only adding to delays for example sending me initial report documents in the woman who stole my identity document were addressed to her and her name as the victim. Understanding that time is important in resolving this I have had XXXX months of phone calls not returned, nobody trying to help me or work on my behalf I am the victim I am a single parent this has caused me financial hardship and major stress. Nobody seems to care that {$20000.00} has been stolen from me.
Company Response:
State: AK
Zip: 999XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB has checked my credit without my authorization or my applying for a card twice in the last three months. When contacted they told me that they would look into it as possible identity theft and would repair the negative impact these multiple checks had on my credit rating. Nothing was ever repaired and my credit rating has now dropped XXXX points in 14 days. I have two credit cards, neither with JPMCB, and both with no carryover balances. No outstanding loans other than a mortgage. JPMCB should not be able to check credit without written consent. They havent had mine yet they continue to do it.
Company Response:
State: SC
Zip: 299XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud
Company Response:
State: OH
Zip: 45424
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/23 I received a call from Chase credit card that a business card was placed in my name and cancelled the account. XX/XX/23 I received the business credit card in the mail to my home address. Contacted Chase about my personal credit card to confirm no activity and cancelled to get a new card. XX/XX/23 will be placing a fraud alert with reporting agencies, file police report and completing information through Chase to obtain information on how this application was submitted. I have a personal credit card with Chase bank that contains my email yet they allowed this person to apply and use another email and never notified me of the change of email or addition to my account and used the new email address given. They could have caught the fraud at application.
Company Response:
State: MA
Zip: 014XX
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Chase Bank where I have three credit cards on XXXX XXXX. The letter informed me that someone using my name and social security number, tried to obtain a Chase credit card and requested whether I filed an application for a Chase credit card. I was stunned and immediately called Chase and informed them that I did not file an application for a new credit card. Apparently someone used my name and social security number to obtain a credit card. I have also filed a police report with the XXXX XXXX, Rhode Island police department.
Company Response:
State: RI
Zip: 02893
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 credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: JPMCB Card services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. Later that evening I received an alert from XXXX that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from JPMCB Card Services on XX/XX/2023 in relation to the same application from XX/XX/2023. I contacted XXXX and they refused to dispute the duplicate hard inquiry. They directed me to JPMCB to request removal. I contacted JPMCB and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. My concern is that if the same bank ran my credit twice within XXXX days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report XXXX for their investigation into the validity of my my identity and application. My XXXX score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.
Company Response:
State: CO
Zip: 80022
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: Other transaction problem
Subissue:
Consumer Complaint: Had XXXX XXXX XXXX in XXXX indiana to transfer {$52000.00} to Jp morgan Chase bank in New York for piece of equipment. Done transfer on XX/XX/2022 that morning. Canceled it out that afternoon same day. I've been taking with bank back and forth to see if they have heard anything, but they have not heard nothing. I know Chase bank had gotten cancelation because gentleman called me and said his account was frozen. Bank said it could take up to 90 days and may not ever get it back.
Company Response:
State: IN
Zip: 47274
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I joined Amazon XXXX in XXXX and then acquired an Amazon XXXX Visa card because of the advertised reward program that gives one 5 % on purchases from XXXX XXXX and Amazon.com. When I noticed that I was not receiving the 5 % benefit at XXXX XXXX and Amazon.com I called Chase Visa in early XXXX. I was informed that because I did not use the Visa card to pay for the Amazon XXXX membership, I was not eligible for said benefit. The representative assured me that when I renew the next time I would definitely start receiving the benefits that I had expected from the beginning. On XX/XX/XXXX I made sure that my Amazon membership was paid by the Chase Amazon Visa credit card. After noticing that I was still not receiving benefits in early XXXX, I asked about the missing benefit and the representative could not give me an answer as to why these benefits were not applied to my account. I finally waited on the phone for some kind of supervisor on XX/XX/XXXX. She assured me, once again, that my card was eligible for the 5 % benefit at XXXX XXXX and at Amazon.com, as was promised since XXXX, and that we were going to see an adjustment in my account within 7 to 10 business days. The following day we received a letter simply stating that they can't do so with my credit card as requested. I never asked to switch anything and every step of the way, I was repeatedly told that my card was eligible for these benefits. No one ever said anything about opening a different account or card. The letter had no explanation whatsoever. We never had a lapse in service or did we ever pause our membership.
Company Response:
State: PA
Zip: 150XX
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: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2023. My XXXX received a call from supposable the fraud department at chase. They seemed to have all his info down to debit card #. There were wire transfers made from my business account in the amount of {$21000.00} and {$31000.00}. I have never once in my life have done a wire transfer before. While I was at the bank another attempt from my personal savings account of the amount of XXXX was made. I was able to stop that one, because I was at the bank. What I don't understand is how Chase Bank allowed so many transfers to go through. When I try to pay for things myself I always get blocked get an text and email to confirm my charges. When I talked to the claims department they told me I would receive a packet to fill out by mail only. To this day I haven't received the packet and I asked them if they can email it to me and they said no, it has to be by mail. I received a phone call from the claims department with a denial. A banker at Chase put in a request with the Escalation Department and they called me with the denial also. I feel abandoned by this bank with no communication, I feel they should have sent an email or text with a fraud alert to get my approval like they do with everything else. I am very, very disappointed.
Company Response:
State: CA
Zip: 93117
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank : Chase Bank NA Issue : Transaction Fee for XXXX Purchase Date of transaction XX/XX/XXXX Date of Fee XX/XX/XXXX Issue : Chase bank is now charging " Transaction fees '' on XXXX usage on credit cards without warning. They are also charging high-interest rates on the fees without warning or notification. Attempted resolution : Attempted to ask for a reverse of the charge via customer service. It was first stated by an associate that Chase had no responsibility to notify customers of the change as it was XXXX that changed their transaction category. I was also told no charges could be reversed. I asked to be transferred to a supervisor who indicated that one of the charges could be reversed but not the others. She then mentioned Chase DID have a responsibility to notify its customers and I should of received a letter. I explained that I did not get a letter and I should of been notified via email or on the Chase website, which she indicated they had not done. Chief Complaint : Chase is attempting to use service fees and interest rates to attempt to generate income on unsuspecting customers without warning of possible fees.
Company Response:
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A