Date Received: 2023-02-06
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 had reported my card as stolen after being XXXX for XXXX months and chase XXXX XXXX stated because the person who stole my card is a past partner of mine that the purchases must have been authorized. Per contract authorized user are only those stated on the account. I requested a new card be sent out after reporting it stolen. I was kicked out of the house in which the card was mailed to. I immediately called chase once email verification of the card being delivered was received. I informed them I was not at that address and do not have the card. They stated I must have it because it was activated. I informed them I had none of my personal property including the cell phone with the account on it. My ex had activates the card and used it. Chase is admitting to having evidence of the fraudulent purchases. I've been fighting with chase credit card services since XXXX of 2021.
Company Response:
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2023, at approximately XXXXXXXX XXXX, a person identified as XXXX of the J P Morgan Chase XXXX XXXX called me to acknowledge receipt of my complaint ( XXXX ) submitted to the Consumer Financial XXXX XXXX XXXX XXXX about XX/XX/2023. Problem XXXX : The number calling was XXXX. She provided no other information. It is now almost XXXX weeks without further response from the bank. I tried to call the aforementioned number, but there was only a recording about marketing preferences without possibility of talking to anyone. JPMCB purposely deceives the public about the number from which it calls, and makes it impossible for the public to contact the person allegedly assigned.. For more than XXXX months I have not been provided with appropriate information ( statements ) about my account to verify charges. I filed a different complaint ( XXXX ) to the CFPB subsequently, but Chase has not even acknowledged it, let alone made any attempt to resolves my complaints. I do not know if " XXXX '' is a real name or nom de jour. Problem XXXX : I sent an email to JPMCB XXXX XXXX 's email address listed on the internet ( XXXX ), but my message was returned as sent to an unknown at JPMCB who supposedly is handling my complaint ( s ) while JPMCB remains silent and incommunicado. JPMCB purposely prevents the public from contacting its assigned personnel.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
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/2023, a perpetrator impersonating me called Chase customer service and, according to Chase 's fraud department, passed their telephone verification process by providing my full name, credit card number, and mother 's maiden name. Chase then issued via SMS a one-time password ( OTP ) that the perpetrator received ( but I did not! ) and used it to gain access to my Chase.com portal. The perpetrator then added my credit card to an Apple Pay wallet ( I do not use Apple Pay ) and they attempted to redeem my accumulated Chase cash-back balance totaling {$1100.00} to a bank account that I do not own. I was altered to both transactions by email alerts that I had previously put in place in my Chase.com portal and I immediately called Chase to report the suspicious activity which, thankfully, Chase was able to halt. My problem is this : Chase admits to issuing the OTP at XX/XX/2023 XXXX EST but can not tell me to which telephone number it was sent. Their fraud agent told me that, perhaps, my phone was forwarded ( it wasn't ) or that the SMS had been intercepted by the perpetrator some other way. I contacted my mobile carrier, XXXX, who confirmed that no SMS message was sent to my number at that time. In fact, the most recent SMS message sent to my number was from days earlier. And I, personally, did not request an OTP or did I have any dealings with Chase on that day prior to receiving the email alerts. I believe Chase may have improperly and insecurely issued an OTP to my Chase.com account which allowed a perpetrator impersonating me to gain access to my secure account and attempt to steal from me.
Company Response:
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2023-02-06
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 or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$1500.00} from XXXX XXXX into the Chase account. Later that evening, I got a call from someone in an offshore call center. After some verfiication, she stated the transfer would not be processed, but refused to tell me why. Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$750.00} from XXXX XXXX into the Chase account. Later that afternoon, I got a call from the same number as the call above, but was inable to get to the phone in time to answer. No messages was left and an attempt to return the call was met with a dead end recording and no option to get to a live person Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. This type of action can not be tolerated. In all cases and valid reason MUST be stated and provided in writing upon request. A valid callback phone must be left to return the call and get to the person that placed it. There is a XXXX year unmarred history on this account, so these actions are not warranted. I have drawn my balance down to a minimum and will not redeposit any funds until I have a detailed reason as to why these transfers were not processed. From the dates and amounts provided above, Chase will have sufficient information to find the transaction numbers in question to prepare a detailed response. Chase does not provide a direct way to contact people that take these actions. Customer service is an endless runaround of ineffectiveness.
Company Response:
State: KY
Zip: 420XX
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: Problem making or receiving payments
Consumer Complaint: Hello. We are victims of wire transfer fraud for down payment on a home. Our mortgage lender sent us fraudulent wire transfer instructions to make a down payment of $ XXXX. We sent two wire transfers to a Chase bank account for a person that was imitating a title lawyer. We have reported the wire fraud to our banks and Chase as the receiving bank account and opened a police report. We want Chase to take action against our claim immediately.
Company Response:
State: TN
Zip: 37076
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an XXXX ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a medical professional ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpoena being delivered to my office and signed, I insisted that I had never signed a subpoena. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a XXXX XXXX that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through XXXX from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a XXXX payment but gave me the number to submit a claim ticket to XXXX. I did submit a claim but they came back and said nothing could be done. I'm hoping I can get help in recouping the money that was transferred due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.
Company Response:
State: CO
Zip: 80023
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: 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: This is due to drop off in XX/XX/2024. I called JPMCB CARD to request that they reach out to the credit bureaus and have the XXXX, XXXX, and XXXX delinquency removed sooner. They informed me that they had no way of doing that. They allow the creditors to determine when it's released. XXXX has not been very cooperative or helpful when the agency has been. Please assist me in getting this removed.
Company Response:
State: AZ
Zip: 85212
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: 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: Back on XX/XX/XXXX, we purchased a program through an accredited XXXX XXXX XXXX, XXXX, for {$2100.00} to assist our sister-in-law with getting her XXXX license reinstated. This was charged on XXXX of my Chase XXXX cards. XXXX was advised the reason for the license lapse was due to a mental condition and required documentation from her psychiatrist that she was able to attend the program and perform the duties of a XXXX again. The XXXX advised XXXX that she was not fit to attend the program on XX/XX/XXXX and she was not allowed to continue program. We were advised by XXXX that they would be processing a refund in XXXX as a result. I also put in a charge dispute with Chase in XXXX ( Claim # XXXX ). I checked my Chase account in their App and it appeared XXXX processed the refund- In fact, looking at Chase 's App today under Transaction Details, it states " Return '' under Transaction Details. Thinking there was no longer a dispute, I took no further action until I noted on XX/XX/XXXX the charge was reposted. I contacted Chase and was advised that the {$2100.00} " credit '' was not a credit, just how they document a charge dispute and that the charge was reinstated after I took no action. They advised to resubmit the dispute, which I did, under a specific category. Chase was contacted by us in XXXX for a status, and they advised the wrong category was chosen and it would need to be resubmitted under the correct dispute category, which I did. Chase then waits until XX/XX/XXXX to send a letter advising of what information was needed to investigate and resolve this dispute, with a deadline to submit the information " before XX/XX/XXXX ''. On XX/XX/XXXX, I faxed Chase the information, which included Chases dispute form as well as the XXXX 's Physical Exam form stating " XXXX clearance denied XX/XX/XXXX '', even though the XXXX signed this form on XX/XX/XXXX. Additionally and during this time, we attempted to engage XXXX in conversation as to why they were disputing my charge dispute with Chase. They claimed my sister-in-law had started the class already ( she took XXXX, or at most XXXX classes prior to XXXX advising her she could no longer attend due to not receiving XXXX clearance- I contend they should not have allowed her to take any classes until she was cleared ) and she apparently should have been able to self-assess her mental capabilities ( despite being on XXXX XXXX at the time ) and that they would have to discuss a refund internally and would get back to us. They never did and, in fact, stopped returning our calls entirely. Returning to the situation with Chase, I heard nothing in response to my XX/XX/XXXX fax and called Chase on XX/XX/XXXX to inquire. They advised me the charge was upheld and they had just sent a letter the day before to me to this effect. My wife called them shortly thereafter and spoke with a supervisor, who explained that we did not raise the dispute in time. However, after much back and forth and the XXXX reading the materials submitted, acknowledged we had in fact, raised the dispute timely and in according with their charge dispute policy and they would reopen the dispute once again and investigate. Given every time we speak with someone at Chase, we seem to get a different answer, I called Chase yesterday and spoke with XXXX, XXXX, who advised I was late on the original dispute and nothing that was provided thereafter had any effect on this. I contend that I was not late on the dispute, that Chase was advised as soon as they placed the charge back on the account, that this was a mistake and Chase is now using the amount of time which has now transpired ( due to their own instructions ) to not do the right thing and charge this merchant back for a service not provided.
Company Response:
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: Hello, I am writing this to dispute a charge of {$270.00} made on XX/XX/XXXX by vendor, XXXX. I purchased a website subscription from this vendor XXXX for the amount of {$190.00} and they overcharged me by {$84.00}. On XX/XX/XXXX I opened a dispute for the amount of {$84.00} ( over bill ) this with my bank, Chase. The vendor, XXXX, asked me to cancel the dispute so they can resolve this issue themselves. I called Chase to resolve the dispute on XX/XX/XXXX and they processed a rebill and closed the dispute. Upon receipt of the dispute resolution, XXXX cancelled my subscription on XX/XX/XXXX entirely and are refusing to refund me for original payment amount, {$270.00}. On XX/XX/XXXX, I requested my bank, Chase to reopen the dispute for the full transaction amount of {$270.00} and provided a letter of dispute with supporting documents. On XX/XX/XXXX, I called Chase to check on status and they claim that the dispute is closed. Now I have no service and no money.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I made a deposit on mobile deposit the money was already in my account on XX/XX/2023 but someone took the money out now is on pending and my app is saying XXXX negative XXXX
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A