Date Received: 2023-02-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened up a Chase Checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$1500.00} or more into the account within 60 days. On XX/XX/XXXX, I made a direct deposit for {$1500.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account.
Company Response:
State: CA
Zip: 94134
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened up a Chase Checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$1500.00} or more into the account within 60 days. On XX/XX/XXXX, I made a direct deposit for {$1500.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, I discovered an error on my XXXX credit report that was being reported by JP Morgan Chase Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with XXXX directly. My report shows the account was XXXX days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, XXXX shows I was XXXX days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is XXXX months after it ACTUALLY became charged off. Because XXXX was of no help, I wrote to Chase directly on XX/XX/XXXX. Chase responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and Chase 's response. As of today, Chase has not corrected my credit report and they have continued to verify inaccurate information to XXXX, as I have continued to dispute the account with the credit bureau in the meantime. All in all, Chase originally reported this inaccurate information, said they would correct it, and have not corrected it. Chase also has verified inaccurate information to XXXX on multiple occasions regarding the payment history for my account. As a results of Chase actions, my credit file looks like I became delinquent XXXX months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, Chase reporting of this information does not comply with Metro 2 reporting standards for accurate credit reporting. Chase has violated my legal rights and continues to damage my credit by not taking action.
Company Response:
State: TX
Zip: 78749
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was calling to report my card as lost and was told that they could not give me a replacement because my account was closed. They said my account was closed because I have an outstanding balance of {$500.00} from a check that was cashed 2 years ago which is impossible because I was XXXX XXXX XXXX at the time and I have never had a job. I used my account to receive money through XXXX and send money through XXXX. I seriously need help.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. XX/XX/XXXXXXXX JPMCB card services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Chase Bank 's website is not allowing me to login with correct credentials. The " forgot your password '' function does not work. I have reset my password several times only to have login reject my correct username and password. Their app has the same problem. I have contacted their customer service about this and nothing has been done. I have read stories of many others who have had the same issue over the past few months. I do not have the time or patience to call their customer service during their short hours of availability every time I need to pay my bill, nor can I hardly understand their internationally outsourced customer service representatives. I believe the inaccessibility for me to pay my bill is a major problem on their part and it needs to be fixed or else they should be penalized, or at least forced to notify customers that their website is not working properly, or temporarily shut it down and fix it so as not to mislead their customers into thinking online bill pay is an option when it is not.
Company Response:
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PERSONAL ACCT FRAUD COMPLAINT I was a victim of unauthorized wire fraud. The fraud on my personal account was the second of XXXX wire transfers initiated on XX/XX/22. The first was made from my Chase Business account. This one made from my personal checking account, since it was after XXXX, could not be completed until the following day. The criminal convinced me not to sign into my accounts after we got off the phone while the " Federal Reserve XXXX '' monitored my account for the next XXXX hours with the hope that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in again and they could collect his IP address. This was a criminal offense, he explained, and they would bring criminal charges if they could catch him. At the end of the call, he told me he would call me back in the morning to follow up and to wait for his call. In my non-critical state of mind due to illnessI had been sleeping all day and was awakened by the call at XXXX believed the criminal was trying to help me. I went back to sleep after the call until the next morning. DETAILS OF CALL The criminal, posing as a Chase representative by the name XXXX, convinced me he was legitimate because the number he was calling from matched the number on my Chase Business Debit card, XXXX. He had a lot of knowledge about my personal and business accounts. At no time before, during, or after this encounter did I ever share any account numbers, social security numbers, addresses, or phone numbers with him or anyone. He explained with some urgency that he needed to help me reverse several fraudulent wire transfers that were currently in progress by XXXX XXXX of XXXX XXXXXXXX XXXX. Amounts he initially mentioned : {$7200.00}, {$5000.00}, {$1800.00}, aligned with the amounts in the XXXX accounts he was referring to, respectively my personal checking, my business checking, and my business savings accounts. At every curious point, he satisfied my doubts and questions and stepped me through, screen by screen, what he explained was the reversal of these in-progress wire transfers. It dawned on me too latethe following afternoonthat he had duped me into unwittingly participating in the actual XXXX wire transfers that would deplete my personal and business accounts. I am shocked and mortified that I was tricked by this criminal. He reached me at just the right moment, having just awakened at XXXX having slept all day due to illness. I have appealed to JP Morgan Chase Bank, a company Ive been a customer with for decades, to do everything in its power to recall the transfers made to XXXX XXXX XXXX XXXX account. But my bank seems to have a loophole in protecting me since I unwittingly became a participant in this fraud. I am a single, middle income XXXX, and this criminal depleted my accounts of all my liquid funds.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
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've tried three times to resolve this dispute with Chase bank. Chase continually sides with the merchant even with the evidence I have provided that XXXX is not abiding by their own policies. In the paperwork that Chase has sent to me, it clearly states on page 6 that XXXX allows 24 hours for cancellation for non-refundable purchases. Yet somehow, remarkably, Chase has failed to read the paperwork themselves and see that I made the purchase on XX/XX/2022, and I tried cancelling on XX/XX/2022 and I am within the 24 hour period. Chase 's failure to read through the paperwork has now caused this escalation to drag on unnecessarily for five months and is in no way indicative of their responsibility to consumer protection.
Company Response:
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
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 have complained to Chase XXXX XXXX Account # XXXX XXXX XXXX XXXX to take off {$5000.00} from XXXX XXXX on XX/XX/2022 because it was fraudulent. They keep telling me that it is a valid charge but it isnt. It is a scam and I reported them to the FTC and the XXXX.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Indenity theft and my social were used I feel threatened by who has my credentials
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A