Date Received: 2023-01-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been having problems with Chase Bank. I opened an account with XXXX XXXX , and a friend of my family transferred {$14000.00} to my account. I transferred {$14000.00} to my Chase account. Chase returned the check to my XXXX checking account. I was told by Chase that my account would be closed systematically on XX/XX/2022, but it wasnt. I have gone into the branch to get it closed on XX/XX/2022 and again after it wasnt closed on XX/XX/2022. They keep it open saying that it will be closed, but they dont know the date. They are keeping it open until XXXX resolves their hold over the money in my account until it can be verified. There is no reason for Chase Bank to keep my account open. They returned the check and that's the end of their involvement.
Company Response:
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I noticed a fraudulent money transfer from my checking account at Chase Bank for {$400.00} to a company/entity referred to as : " My Love # # # # # # # # # # XXXX ''. I did not authorize or make this money transfer. I filed a claim with Chase Bank. The Chase Bank representative advised me to go into my local branch and discuss with them what I should do further. I was told at the branch to change my account number, my username, and password, which I did. I was also told that the {$400.00} was put back into my account and all was taken care of. I received a letter posted XX/XX/2023, that an investigation had been initiated regarding my claim. I received another letter posted XX/XX/2023, that my claim had been investigated and it was determined that I had made the money transfer myself and on my device. I called the Chase Bank claims department again and after speaking to a supervisor, was told that a new investigation would be started and that I would learn of its outcome within XXXX - XXXX business days. I called back today, XX/XX/2023, and was told that there were no grounds to re-investigate my claim and that I had made the money transfer and it was made on my device. During my research regarding this situation, I discovered that banks can only keep {$50.00} of a fraudulent money transfer and that it is only possible, if I had taken over 60 days to report the the claim. I did not take over 60 days to report the claim. I am XXXX, elderly, and a shut-in. I do all of my banking online with Chase Bank. No one else has access to my account or my computer. Either Chase is cheating me or I have been hacked. Either way, I did not make or authorize this money transfer. Thank you.
Company Response:
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 2 fraud checks were cashed by chase bank and XXXX XXXX plus other eft transfers using my account number the eft transfers were credited 30 days later now for the last 6 months trying to get checks credited they have admitted it was fraud but i am getting the run around i tried everything and the mgr of bank has also tried everything he has called the fraud dept in XXXX numerous times only to hear the same run around he said he escalated it to the highest level and still no one has called or done anything he is the only one trying to help me it seems like they want just to hold undo funds
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
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: Greetings, Writing in regards of dispute that has not been resolved. My daughter purchased tickets for me by accident for the concert for XXXX XXXX I called the company XXXX and explained the situation, but was told that they cant help me and wont refund the money. Hence, I proceeded with dispute with my credit card company. My request was, also, denied.I was told that they cant help me and that I need to pay the charge. I never rendered the services and my daughter purchased this by a mistake/ fluke. I was under impression that credit card companies protect their clients in cases like mine. I dont feel I should be paying for something that I didnt use. My fear is that this will be proceeded to collection agency. I always pay my bills on time and dont have any debt, hence, dont want my credit be affected.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Chase offers a system called " My Chase Plan '' where consumers are able to generate a payment plan for anything over {$100.00}. They also clearly state that plans can be paid off early, wiping the monthly fee. I spent XXXX on a XXXX when moving across country, and decided to use the Chase Plan option. I elected for an 18 month plan with 0 % APR but a monthly fee of {$22.00} with the awareness that I could pay this off early. I then added a few other, smaller plans. It has since been 9 months and I now have 9 active plans with the XXXX fee being the highest monthly fee. I called in requesting to pay the XXXX plan so that I could clear the monthly fee, but they shared that it isn't possible to select which plan is paid. I called in a second time and spoke wit ha 4th person, XXXX the account Supervisor in XXXX, MI with Chase Credit Card Services and she told me that the following rules apply : After the Interest Saving Balance is paid in full, any amount paid above that balance will go to : 1. The Highest APR payment ( doesn't apply because the MY CHASE PLANs are interest free, but instead use monthly fees ) Then the payments will be applied in this order of rules : - The remaining number of payments from lowest to highest ( # of months ) - The plan from earliest created to newest ( only after the first criteria is met ) This means that if I were to pay the same amount as the remaining balance on the XXXX plan, it would not be paid and I would still have the monthly fee of {$22.00} tied to it. However, it would end up closing out the payments with the smallest balance and the least amount due which are not my concern. When I asked for a copy of this documentation, she relayed that it was on their employee site and could not be shared.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
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: Greetings : My name is XXXX XXXX and I am having an ongoing dispute regarding fraudulent charges posting to a now closed credit card account I had with JP Morgan Chase in particular a Chase Slate CREDIT CARD ending in ( XXXX ). Prior to me closing the account I noticed fraudulent charges being made against the account last year in XXXX around late XXXX or XXXX while sitting at the kitchen table in XXXX, XXXX. The two transactions in question came across my phone from XXXX of XXXX when I immediately contacted the Security Center for Chase and they confirmed these transactions advising me that they were aware of the transactions and that they were investigating the matter as I reported it. They closed that account and opened a new account as ( XXXX ) but without advising me of any steps they had taken to resolve the fraudulent actions coming from a foreign location applied the amounts in question to the new account prior to me activating the new card upon receipt. Therefore, I did not activate the card in my possession and called their fraud unit again to inquire as to those fraudulent charges from a foreign location for which they had completed no due diligence to resolve the matter but attributed it to me without ascertaining any travel information or inquiring whether or not I possessed a passport or traveled outside of the United States. I then immediately disputed those charges and advised the Security personnel that again I was in the state of Georgia when those charges occurred and that I was not satisfied with whatever action Chase Slate had taken to resolve the matter and requested that I receive all information via postal mail because I intended to established a paper trail regarding the matter. Chase was made aware in the beginning that I had always maintained possession of the physical card and had not provided my information to anyone to use. I had already destroyed the ( XXXX ) card in my possession while they were supposedly looking into the disputed charges. This is supposed to be contained on at least two recorded conversations between me and their representatives. I will always continue to assert that these were fraudulent charges and Chase is responsible for allowing these transactions to go through even as I called them when it was in progress. As of now, Chase Slate is impacting my credit report and credit score with fees and negative information listed under ( XXXX ) that is a closed account. I am seeking whatever relief the CFPB is able to provide in assisting me with this complaint. Thank you for your time and consideration. Sincerely, XXXX XXXX XX/XX/XXXX @ approx. XXXX ( XXXX XXXX XXXX )
Company Response:
State: GA
Zip: 30655
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I hols a mortgage with Chase. I was recently informed by Chase of an increase in escrow account payments of around 50 %. This prompted me to review the latest escrow statement. I noticed that an extra home insurance payment had been made. This explains the escrow shortages. Furthermore my insurance agent sent me proof that Chase had been sent this excess money back immediately ( XXXX of XXXX ). After this experience I was prompted to look into past escrow statements. I was unable to find any previous statements at Chase 's site. This is highly suspicious behavior.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a copy of my credit report and I have found the following items listed below to be in error. This account is listed late and a charge off and that is incorrect. The following accounts were never late and should be listed as PAID or PAID AS AGREED. Account Number : XXXX Company : JPMCB CARD Address : XXXX XXXX XXXX, XXXX, DE XXXX I was never late on XX/XX/XXXX. This account was not a charge off either. It incurred fraudulent charges that exceeded the credit limit allowed by Chase. I talked to Chase customer service about it and they told me to pay off the original amount which I did. They never told me it will be reported late or charged off during my conversation with them. The account was settled in full in XX/XX/XXXX. However, they continued to report it late and as charge off till XX/XX/XXXX. There are also inconsistencies in how it is reported to different credit agencies. For example on XXXX it says " late '' then says " XXXX XXXX '', then says " Negative ''. On XXXX it says " Charge Off '' which is incorrect since I paid it as agreed. On XXXX it says " Payment after charge off '' which is incorrect as well. This account NEVER went to collection and it was never charged off. I paid it off to Chase as agreed with their customer service agent. In accordance with the Fair Credit Reporting act, JPMCB Account # XXXX has violated my rights. 15 U.S.C 1681 section 602a states the Accuracy and fairness of credit reporting. I feel the account number above has been reported incorrectly across different credit agencies.
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone called me from the XXXX XXXX and it was the phone number on their government website, so I believed them. They asked me to download the " Any Desk '' app, accessed everything on my phone, asked me to take a selfie to confirm my identity, asked me to say my name, XXXX, and address, and log into my bank accounts and share my balances. They told me that someone stole my identity and that if I didn't share this information, my accounts would all be seized by the government because someone was laundering money and drugs under my name across borders. I now know this isn't true, but in the moment, I was scared and complied. They got into all of my bank accounts, credit cards, emails, and passcodes through my cell phone.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A