Date Received: 2023-01-31
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: Was double charged foXXXX XXXX XXXX by XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX charged was for {$490.00} by XXXX, actual charge was {$200.00} from XXXX XXXX. Have tried to dispute with credit card company and reaching out to third party with invoice from hotel directly.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: JP Morgan Chase Bank , N.A . is incorrectly reporting a XXXX days late payment on my credit reports ( to all three credit bureaus ) since XX/XX/2022. This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( XXXX years ). You can also see the error which is the late payment report by JP Morgan Chase Bank , N.A . for XX/XX/2022. According to the Fair Credit Reporting Act, JP Morgan Chase Bank XXXX should remove incorrect and inaccurate information from my credit report. I have contacted JP Morgan Chase Bank, XXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XX/XX/2022, the information reported is a complete error and yet they not doing anything about it. This error on my credit report is costing me, my wife and XXXX XXXX daughter massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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 laptop from XXXX resell ( XXXX order number XXXX ) on XXXX XXXX. They sold me a laptop that was still attached to a company. Once i received the laptop i could not tell that the computer was attached to a company. So months later down the laptop locked on because the company that it was attached to locked the computer and locked me out from using the computer i purchased. I contacted global resell and spoke with XXXX. XXXX spoke with his supervisors and the said that i would be able to return laptop for a refund. I returned the laptop and XXXX stated that the refund was initiated the refund. I never received the refund. So i contacted the XXXX and he started to give me the run around about how they couldn't refund me. So i contacted chase bank where i used to purchased the laptop. I have made XXXX disputes and still don't have money. So at this point i'm out of XXXX because i returned the Laptop and never received my refund. I really need help trying to get the figured out because right now i'm at a lost and no one is trying to help me right a wrong that had nothing to do on my behalf. Money been pretty much stolen from me.
Company Response:
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday XX/XX/2023, I turned my XXXX on at approximately XXXX. I attempted to use my XXXX app. I was greeted with a message stating my account had been locked due to suspicious activity and that I needed to call for verification. I called the number provided and successfully completed the verification process, to which I was told that there had been multiple failed attempts at logging into my account to prompt the lock. At approximately XXXX XXXX on the same day I attempted to use my debit card ending in XXXX and the transaction was declined. I once again called XXXX to see why it was declined. At this time I was informed that my account had been reported as receiving a fraudulent {$90.00} transaction and that my account was frozen until an investigation was completed, up to XXXX days. I requested that the exempt funds be released immediately to which I was told no. Since that date Ive had multiple automatic bill pay accounts be declined by Chase. It is sunday XX/XX/2023 and my account is still frozen. I have not been contacted by any investigator from chase, the {$90.00} transaction has been deposited to my account even though I didnt ask for the money and have no knowledge of where it came from. My account has a {$1700.00} balance and due to chase declining transactions Ive been accessed late payment fees, returned payment fees, and now have a auto insurance cancellation letter.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to you regarding delays in full reimbursement of funds stolen from XXXXXXXX XXXX XXXX at JP Morgan Chase Bank. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( certificate of filing number XXXX ) and also registered with the XXXX XXXX XXXX as a XXXX tax exempt organization ( XXXX XXXX ). XXXXXXXX XXXX XXXX focuses on XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX to XXXXXXXX XXXX internships for students attending XXXX XXXX. Some of our key projects include a {$41000.00} XXXX XXXX XXXX ( with ongoing maintenance and upgrades ) at XXXX XXXX XXXX, which provides free medical care to needy patients in rural area of XXXX XXXX in XXXX, as well as {$15000.00} on a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When XXXX hit, we also raised {$5900.00} to purchase and distribute PPE to doctors and nurses working in hospitals XXXX. Currently, we are working on our XXXX community solar project with XXXX XXXX, while also developing single family scale projects for solar power and clean water, the latter by condensing water vapor in the air using solar energy at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All the professionals and interns working with XXXX receive no financial compensation so we can maximize spend on projects tackling XXXX basic issues - electricity, clean water and cleanliness/biowaste - in developing countries as part of protecting the environment and also provide social development in the form of hands-on practical training on real world projects. Chronology of Events is as follows : XX/XX/XXXX. Email alert sent to XXXX XXXX XXXX XXXX at his email XXXX from JP Morgan Chase Bank NA ( henceforth referred to as Chase Bank ) regarding insufficient funds in XXXX, XXXX for business account ending in XXXX. XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX called Chase Business Customer Service about this issue. They transferred us to the Fraud Department. We advised the agent that {$24000.00} had been taken out of our business bank account ending in XXXX between XX/XX/XXXX and XX/XX/XXXX ( of this total, {$24000.00} was in the form of fraudulent transactions that cleared out our entire account balance on XX/XX/XXXX, plus another {$130.00} overdrawn amount before Chase bank froze the account for insufficient funds ). Chase bank also charged XXXX XXXX XXXX, an insufficient fund fee of {$34.00} on XX/XX/XXXX and XXXX XXXX XXXX service fee on XX/XX/XXXX when our balance had fallen from the original {$24000.00} balance back on XX/XX/XXXX to {$360.00} on XX/XX/XXXX ). XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX went to Chase Bank XXXX at XXXX XXXX XXXXXXXX XXXX to file a Disputed Transactions Questionnaire. Moreover, he opened a new bank account as the one ending in XXXX had been compromised. Moreover, the original bank account was also restricted with any credits being issued to the new bank account opened for XXXX and ending in XXXX. XX/XX/XXXX. XXXX XXXX, XXXX XXXX received email notification from Chase Bank that another Disputed Transaction Questionnaire needed to be filed for {$790.00} for XXXX transactions tied to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, and also {$0.00} for XXXX XXXX XXXX dated XX/XX/XXXX. XXXX XXXX visited the Chase Branch in XXXXXXXX XXXX later that XXXX where the bank representative printed out the document with details of these transactions. However, as the banks fax machine was not working, XXXX went to another Chase Branch in XXXX a XXXX XXXX later and they were able to fax the Disputed Transaction Questionnaire. XX/XX/XXXX. Chase Bank also sent XXXX email notifications informing us that {$9300.00} had been temporarily credited to our account for our claim ending in XXXX. XX/XX/XXXX. XXXX XXXX called the Fraud Department at Chase Bank to follow up after the holiday break and was advised that the investigations had been completed by the Fraud Department and they could only refund some of the fraudulent transactions. The bank representative also suggested that XXXX could try and call some of the other financial institutions directly to see if they could return our money. This is clearly in violation of Code of Federal Regulations. The Fraud Department representative referred XXXX to Chases Corporate office at XXXX XXXX XXXX which created a new case number XXXX. XX/XX/XXXX. XXXX XXXX received voicemail from XXXX that the fraud case had been reopened and the investigation was ongoing. XX/XX/XXXX and XX/XX/XXXX. We received email notifications from Chase Bank stating that our XXXX claims XXXX and XXXX had been finalized. Simultaneously, our business bank account at Chase showed a balance of XXXX from XXXX credits of {$9300.00} and {$790.00}. This means {$13000.00} of money stolen from our business account at Chase Bank ending in XXXX via fraudulent transactions that occurred from XX/XX/XXXX through XX/XX/XXXX had still not been refunded. XX/XX/XXXX. XXXX XXXX received another voicemail from XXXX stating that the investigation ( case number XXXX ) was still ongoing. XX/XX/XXXX. XXXX received another call from XXXX who stated the investigation still needs a XXXX XXXX XXXX We are a small non-profit, social and environmental organization and the delay in fully reimbursing money stolen from our business account is a crippling setback. This is all the more disconcerting given Chase Banks well publicized XXXX, XXXX and XXXX initiatives ( see https : //www.jpmorganchase.com/about/governance/esg ). We request your urgent assistance to bring this matter to a full and fair resolution. Sincerely, 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 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: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called Chase bank before I went to XXXX and told them I would be there in XXXX and to allow purchases and to be allowed to use my debit card at ATM machines in XXXX. ( I am sure that phone call I made was recorded ). I also told them that if they ever needed to verify me or my charges in XXXX that I would not have my American cell phone or access to that phone number with me in XXXX so that wouldn't be an option if they needed to verify me. I told them they would have to verify me through my email and or to ask me my security questions that I set up when I opened my online account. That only I would know the answers to. My laptop broke after being in XXXX for 2 months. I had already made probably XXXX purchases and or ATM withdraws in XXXX. So they knew it was me there using my debit card and there were no issues until my laptop broke and I went to an XXXXXXXX store to buy a new XXXX XXXX XXXX for around {$1100.00} USD. My card was declined at the XXXXXXXX store. Before I had a chance to call Chase customer service from my XXXX phone I went to get cash out of an ATM machine since I was out of cash to live on. My ATM cash withdraws that I tried to do were also declined. I was out of money and no way to pay for anything online including my hotel room bill or my plane ticket home, etc. etc and I had no cash to live on. I spent the next 3 days on my XXXX phone calling Chase fraud dept to have them unlock my account. I asked to speak to the supervisor and higher and higher up the Chase fraud dept I went from supervisor to supervisor until I reached the highest person in charge of the security dept. They never would unlock my account. They said the ONLY way they would be able to verify me and unlock my account was by my American cell phone number. I begged them to do it by my email and or my personal security questions but they wouldn't. I had no other credit cards or debit cards. They made me homeless in XXXX with no money for food or anyway to pay for a hotel or plane ticket home. Please help me get these evil doers. P.S. I have been to XXXX probably 20 times in my life and when this happened before I would just call them up and fix the problem in one call and they would unlock my account via my email and my personal security questions. The date this happened was around XX/XX/2022 give or take a day or 2 since XXXX is 15 hours ahead of California time.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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 booked a trip through the XXXX XXXX XXXX for the new years. The trip was purchased using my chase credit card, I chose a flight to XXXX XXXX, XXXX XXXX with XXXX XXXX on XXXX. The trip included a hotel stay and rental car for {$3600.00}. I was told by XXXX XXXX 4 weeks later that my return flight would be changed XXXX miles out of my way. I told them this was unacceptable and they could cancel my trip. I also contacted XXXX travel and told them that my flight had been switched and would not accept that flight or trip. Ths is an example of bait and switch when you offer a consumer a product ( flight and trip ) to your satisfaction but they change plans later. I notified my credit card company chase and disputed charges 3 weeks before the departure date. They responded 6 weeks later and said charges were valid because I did not cancel my flight to their guidelines. I was charged {$3600.00} for a trip that I didnt not accept or take.. i notified all parties 3 weeks before the trip departed.
Company Response:
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Ill start with saying I bank with Chase. I received 2 checks from someone who said they would lend me some money. I tried to deposit them unknowingly they were fake checks. They were trying to scam me saying I need to send them money after I tried to deposit them. I closed my account. I had XXXX in my bank account on the XXXX. They said it would be sent to collections. I planned to pay it off when I got my check from work. I had made a new account on the same day through their mobile app. Everything was good and on the XXXX I tried logging into my account and it said there was suspicious activity, and to call them, so I did. They then said that I would never be able to bank with them again. I asked for a reason why and they said they couldnt tell me and just to know that they have the right to do that.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is a follow up to my previous complaint XXXX. 1. The XXXX credit report indicates that my account is XXXX XXXX XXXX. The letter from Chase dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' 2. An automatic payment was not received by Chase because of a XXXX bank error that required me to close my account and set up a new account for autopayment. The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to JPMOrgan Chase
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX I received a call from a XXXX XXXX identified herself as an employee from Chase fraud department verified my account number and said she was closing my account and issuing a new card. XXXX I received an email saying apple card added to my account. XXXX XXXX game stop charge appeared. XXXX XXXX notification came on my phone charge on target fraud. XXXX charge at XXXX XXXX XXXX XXXX saw fraud report with game stop charge on there, I called chase and they gave me XXXX in my account. XXXX saw temporary credit XX/XX/16 took back credit. I went to XXXX police department filed a report, A detective went into XXXX stop and got surveillance tape saw it was not me. detective called chase explained all that also offered them surveillance tape they said no case closed. They are claiming the call from XXXX XXXX was a fraud phone call, like i was suppose to know that with all the people working fvrom home.
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A