Date Received: 2023-01-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: In early XX/XX/XXXX, I mailed a check to my therapist for {$150.00}. On XX/XX/XXXX, my online bank account showed that this check had been cashed by a person I don't know for {$10000.00}. I worked with my bank to complete all of the paperwork needed to submit a fraudulent check claim. I filed a police report with XXXX XXXX 's police department, and filed a report with the US Postal Service as well. I call into my bank periodically to check on the status of my claim. I'm always told that the process can take a long time and that they can't tell me when it will be resolved. I feel frustrated and powerless. Especially since it is now XX/XX/XXXX and I still haven't been refunded for this fraudulent check.
Company Response:
State: OH
Zip: 43214
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: Trouble during payment process
Subissue:
Consumer Complaint: For two years now Chase Mortgage servicing has failed to pay our property taxes. The first time they sent us a check with no explanation which we later discovered was due to the fact that they didnt pay our taxes from escrow. When we notified them of a delinquent tax bill they said we should just pay it even though there were already late fees. After almost 4 months of trying to get them to do their job they finally paid the taxes with all the late fees. This first time was the result of a clerical error with the county. This year everything was correct in the county system and Chase sent us a letter saying they couldnt pay our taxes because our parcel number has multiple properties. This was not true and after receiving the letter we called to inform them of the mistake to make sure they pay our property taxes. Now it appears as though they are going to send another check this year instead of paying our taxes and we will have to waste countless hours to get them to complete their legally required job.
Company Response:
State: TX
Zip: 77022
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: 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 return this item to XXXX through XXXX locker system. I was told required time was needed till item would be received and return would be processed. A couple of weeks turned into months and no refund was issued. I contacted XXXX customer service via application and using chat service explained my situation. I was yet again told the item would be reported to a higher chain and investigate further. I didn't here from XXXX again. I then contacted my credit card them for a dispute of the credit. I was charge for a return item and no credit had been issue. My credit card company chase XXXX credit card was able to provide me with a refund, but quickly after a couple of weeks pass XXXX rebilled me for the returned item. I don't know why I was rebilled and later went back to the chat for custiner service and XXXX advise me they would report this to the higher UPS. I was again made to wait for a email response. When I received the the response email it wasn't clear as to whom I had to return information to. The email ask to reply to questions but until later I realized I was answering the reply to the wrong department ; I was told I was out of time when i coreect my mistake and could not pursue a refund of credit. Incident Report 1. Order number : XXXX XXXX. Today 's date : XX/XX/XXXX XXXX. Date return item was shipped : XX/XX/XXXX XXXX XXXX 4. How did you ship back your return? ( XXXX pickup, XXXX drop off, mailed with XXXX or United States Postal Service, XXXX, XXXX Mail, etc. ) : XXXX locker 5. Description of the item returned ( item name, color, size, quantity, etc. ) : XXXX XXXX XXXX XXXX Cellphone 6. Have you experienced prior issues with returning items to XXXX? Never, this is my first time Sent to : XXXX XXXX
Company Response:
State: NY
Zip: 10705
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX fraudulent credit inquires I do not own a business and someone is trying to open credit in my name
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A prior complaint was submitted which bears your number XXXX. Substantial funds were stolen from the account of a senior citizen, XXXX XXXX, at the Chase branch located in XXXX XXXX, California. Chase paid back 60 days worth of funds although six months of funds were taken through fraudulent electronic transfers. The terms and conditions of the agreement between the customer and Chase requires Chase to share with the customer the records/documents it uncovers and has from its investigation. Chase has failed and refused to share anything in that regard at all, despite repeated requests for months. Chase in fact refuses and fails to communicate with our efforts- by fax, by email and phone. The person supposedly handling this is someone at Chase Executive named XXXX - their Case # XXXX XXXX, her phone XXXX ) XXXX XXXX ext XXXX. Email : XXXX. She appears to be a phantom or engaged in intentional stonewalling. To make matters worse, Chase claims the account was changed to non-paper, at some point, then changed back. Chase does not reveal who made these alleged changes- it was not the customer. Finding out who engaged in that subterfuge let alone who stole the funds is vital of course but Chase refuses and fails to communicate at all with my offices or that of my colleague. Does this mean Chase has knowledge that it was one of their own who aided and abetted this theft of over {$140000.00} from the senior citizen 's account? Please help us get to the bottom of this by making sure Chase follows its own terms and conditions and shows us the records that purport to demonstrate someone changed the account from paper to paperless, and then back, and what Chase has found as to who did this dastardly criminal deed. It transpired under Chase 's nose from XX/XX/XXXX through XX/XX/XXXX. Chase is stiff arming its own customer. On your web site, folks at CFPB, there are other matters similar to this, and time and time again people complain about Chase refusing to communicate. This is clearly a pattern by Chase. Let 's have it end here, please!
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid {$500.00} dollars for a camera that someone was selling on XXXX through XXXX on XX/XX/XXXX. He had sent me videos of the camera in real time and was showing me it and even showed a picture and video of him at the XXXX store to ship it. I sent him the money to his XXXX which was linked with his phone number and then he sent me a tracking number which turned out to be fake.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, my husband wrote, signed, and endorsed a check to move {$7000.00} from our shared Chase checking account to his XXXX XXXX XXXX XXXX IRA account. The check was mailed out on XX/XX/XXXX in an envelope along with a XXXXXXXX XXXX XXXX XXXX, which included the relevant check number, amount, and date. The checks memo was explicitly written as IRA [ ACCOUNT NUMBER ] and was signed and endorsed on the back by him. On XX/XX/XXXX we received an envelope from the Postmaster of XXXX, XXXX XXXX, containing the opened envelope, which no longer contained the check, along with a notice that we, may have been the victim of mail theft or identity theft. We went to our local Chase Branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and were told that that on XX/XX/XXXX, the check had been deposited into a XXXX XXXXXXXX XXXX account. The text Pay to the order of : XXXX XXXX had been written in someone elses handwriting underneath my husbands signature in the endorsement section of the check. We picked up a Declaration of Unauthorized Endorsement or Altered Item form from the branch. On the same day, we also reported the mail theft to the XXXX XXXX Police Department ( XXXX XXXX, Badge # XXXX ; Case Number XXXX ). We also called XXXX XXXX XXXXXXXX and were told to file our issue with Chase, who would then contact XXXX XXXX XXXX when necessary. On XX/XX/XXXX we called the XXXX XXXX XXXX XXXX at XXXX to file a claim ( Claim Number : XXXX ). On this day we also submitted our completed Declaration of Unauthorized Endorsement or Altered Item at our local Chase branch. On XX/XX/XXXX I received a letter from Chase requesting additional information to complete their research. We faxed all relevant documents to them. The next day, I called to confirm that they had received the faxed documents. On XX/XX/XXXX I called Chase and were informed that on XX/XX/XXXX, they had sent our claims information to XXXX XXXX XXXXXXXX to request a reimbursement, with a response expected in 60 days. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX and was told that processing the claim ( XXXX ) would be finished in another 60 days. On XX/XX/XXXX I called Chase and was told to expect a response from XXXX XXXX XXXX in an additional 30 days. On XX/XX/XXXX, I called XXXX XXXX XXXX and was told that the case should be resolved by XX/XX/XXXX, a total of 90 days since they received an inquiry from Chase. On XX/XX/XXXX, I received an email from Chase that XXXX XXXX XXXXXXXX had denied their request to reimburse us. I called Chase, who told us that XXXX XXXX XXXX had denied our claim since the signature in the endorsement section was real. I called XXXX XXXX XXXX ( XXXX ), who asked me to call Chase ( XXXX ) to re-file the claim with XXXX XXXX XXXX as a case of altered check endorsement. After calling Chase, I was told by Chase that they would not refile a claim, as, anyone can modify the endorsement section of a check to include pay to the order of and deposit it into another account if a signature is present. On XX/XX/XXXX, I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) informing me that I need to contact Chase and instruct them to contact XXXX XXXX XXXXXXXX Fraud Department to resolve this complaint. This conflicts with the statement I previously received from Chase on XX/XX/XXXX, which informed me that XXXX XXXX XXXXXXXX had assessed the information provided to them by Chase and elected to not reimburse me for the check. She told me that resolving issues associated with this check is XXXX responsibility, as the check originated from a Chase account. This conflicts with information from Chase, who insist that the bank at which the check was cashed is responsible. She also informed me that XXXX XXXX XXXXXXXX would not be able to investigate the account to which our check was deposited unless a law enforcement agency contacted them regarding this case. She also insisted that she could not understand me and, when I asked to speak with her supervisor, she insisted that they were not available and that regardless of who I spoke with, the answer would be the same. I informed her that I would file another complaint regarding our unresolved check issue with the CFPB. XXXX XXXX XXXXXXXX official response to the CFPB complaint was : At XXXX XXXX XXXXXXXX, keeping information secure and confidential is one of our most important responsibilities. Please understand that our privacy policy does not allow us to disclose any details about accounts at XXXX XXXX XXXX that you do not own. Our records do not reflect that you are an authorized signer on the XXXX XXXX XXXXXXXX account referenced in your inquiry. As such, we are unable to release any account information to you. We must suggest that you work with your financial institution directly to settle this matter. We regret the circumstances that led to your inquiry. Rest assured that we will fully cooperate with any law enforcement agency if we are contacted about a fraud investigation. This response is not satisfactory, as my previous complaints proposed fair resolution did not include release of XXXX XXXX XXXXXXXX account information to me. Additionally, the response does not address how an inability to release private account information to me, personally, prevents a reimbursement of money fraudulently deposited via a clearly altered check. Money from my Chase account was deposited/cashed into this XXXX XXXX XXXXXXXX account with disregard for the checks signature, listed payee, and memo, which explicitly noted the intended account as being an IRA along with the XXXX account number, but I fail to see how reimbursement would compromise that accounts privacy. Again, this conclusions insistence that I work with my financial institution directly also conflicts with the statement I previously received from Chase on XX/XX/XXXX, which informed me that XXXX XXXX XXXX had already received and assessed the information provided to them by Chase and elected to not reimburse me for the check I called Chase ( XXXX ) on the same day, talked to XXXX, and was told that the responsibility for the checks fraudulent deposit rests with XXXX XXXX XXXX, which deposited/cashed the altered check without sufficiently assessing its validity. XXXX instructed me to file another CFPB complaint regarding this incident with Chase listed as the relevant institution so that they could reopen the case on their end.
Company Response:
State: CA
Zip: 93035
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: Problem using a debit or ATM card
Consumer Complaint: I REVIEWED MY ACCOUNT AND FOUND THAT THE BANK CHARGED ME FOR 5 ATM TRANSACTION FEES ON ONE DAY AND I HAD NO ATM WITHDRAWALS. I SHOULD NOT BE CHARGED FOR MULTIPLE TRANSACTION FEES ON A DAY WHEN I HAD NO ATM ACTIVITY
Company Response:
State: MD
Zip: 21236
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: 2023-01-25
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 disputed one credit card transaction two times with Chase. Chase considered that transaction valid. I feel that it should be not right, as I've never got service from that agent//merchant to whom I paid. In addition this service was paid by two credit cards, one was Chase, second one was XXXX XXXX XXXX XXXX XXXX XXXX considered that transaction as a not valid. The transaction was made at Chase XXXX with XXXX XXXX XXXX, I but fly tickets via the phone, I paid {$610.00}. When I came to airport next day, I was told by airline workers that my tickets were canceled and money were issued to refund to the agent. I contacted the agent, he told me that they will refund my money back, and they never did. The agent stopped answering my text massages, and when I call they don't answer or he says that they need to check it out and never call back. When I disputed transaction second time I attached evidences as copy of text massages with the agent and screen shot from airlines website which prove that I have never got service, that money was refunded to the agent, and that the agent promised me to return my money and never did. Chase made there decision based on contacting merchant and that transaction is valid because service was available for me or I received service. When I called Chase after that, they told me that they made there decision because the agent provided them the policy that money for service is not refundable. I got fist letter from Chase on XX/XX/XXXX, second letter on XX/XX/XXXX. Please, contact me if you need more information, I have letters from the bank and I have evidences that I have never got service from that merchant.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is XXXX XXXX I was told to do this by my son but basically I've never given authority to him to use my card and we can't stop the withdrawals nor did I give authority or consent to Amazon to charge my car to date {$180.00} and some change for I know items I have no knowledge or belief of my son was trying and had entered his data from his XXXX XXXX card but they refused wrongfully for some reason his process transaction to go through I am requesting full refund and have been dealing with a guy named XXXX XXXX and XXXX et.al my name isn't the names that I see on the invoices my name is XXXX XXXX XXXX XXXX XXXX XXXX except you're so this transaction doesn't even name match the card and the transactions and the top that off the evidences and the attachments in the exhibits that I will attach will bring home the truth that a refund and full is old owed immediately to my card and then XXXX and that total amount attached below as a XXXX complaint that was processed and filed already and we have been in the process of resolving it this is to push the ball faster I have bills and I am on the time payment and this has thrown thanks to the defeat and fraud on the debt collection statute title XXXX XXXX has violated XXXX regarding an unauthorized section XXXX card number they have broken the law through a computer mechanism and under 1681, 1692 sections e through K they have invoked harm on me by making me pay for something I do not owe and they have created the cfpb.., the computer mechanisms on the innocent customer myself and I just want my money back the cfpb deals with this this is a banking case and so that's why I'm coming to y'all XXXX well well if it isn't XXXX XXXX XXXX, SECTION 1030 UNAUTHORIZED CARD MEMBER HOLDER FRAUD B.S... SCAMS BEING PUT DOWN BY, XXXX ON XXXX XXXX -- -+ TO MOW A WHOOPPPINGG XXXX XXXX IN FALSE CHARGES VS MY CHASE ACCOUNT THAT I DIDNT ORDER BY SOME UNKNOWN. THE XXXX XXXX " XXXX XXXX WAS PROCESSED, ENTERED, ATTEMPTED ( MY EVIDENCES WILL PROOVE/ ) ON ALLLLL RECENT ORDERS N WAS WRONGFULLY DENIED XXXX INSTEAD THE XXXX LIES, AVERRED, EVEN ALLOWED UNDER ( XXXX THE STATUTE DECEIT N ILLINOIS LEGISLATION GIVES ME PRORECTIONS FOR A FULL REFUND OF XXXX $ TO ASAP BE REFUNDED N FOR SEVERAL REASONS ITS NOT MY ORDER. PLUS XXXX ( B, ALL PARTS DONT ALLOW COMPUTER TAMPERING IN SUCH A BAD WAY.FALSE RECEIPTS N ILLINOIS THAT SECTION HAS BEEN VIOLATEDXXXX XXXX DISPICABLE DECEIT SO BOGUS THAT THEY CLAIMED MY GIFT CARDS WOULD WORK OUT XXXX ANOTHER PERSON BREACHED AS WELL AS THEYRE SYSTEMS SOME LADY A .D, CARD WIT THE BANK OTHER THAN XXXX XXXX WHOCH AT THE TIME OF CHARGES HAD XXXX $ N SIDE OF IT..IT WAS CHARGED CASH N THEYRE WAS NO " DOUBLE ORDER ) SO IN EEALITTT BOTH CARDS MUST BE REFUNDED ( ON CARD XXXX ENDING # -- XXXX $ XXXX $ OR WAT THEY CHARGED IT THEN XXXX $ TO XXXX XXXX IS FAIR BEFORE I GOT TO THEE ATTORNEY GENERAL N TO THE Federal SYSTEM TO INDICT N CAUSE MONETARY PAIN TO XXXX Then..XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Order # XXXX Arriving : Tuesday, XX/XX/XXXX View or manage order Ship to : XXXX XXXX, IL XXXX XXXX : {$2.00} Tuesday, XXXX XXXXXXXX XXXX order # XXXX They STOLE XXXX XXXX CHASE ACCOUNT LOOK CAREFULLY N ME N TOLD Y'ALL MOTHER WISE I USED MY CARD N THEY STOLE FROM CHASE A XXXX ACCOUNT N THE ORDER WASNT EVEN NAME MATCHING TO HER YALL BODIS AS HELL HURRY UP N REFUND ALL CARDS AS A PUNISHMENT RIGHT NOW! OR A FEDERAL LAWSUIT A BOPP OFF EMAILS ALREADY SENT TO XXXX XXXX TO LOCAL AUTHORITY Government for processing. Sorry for y'all losess n look forward for XXXX to assist with this ASAP! exhibits attached speaking facts vs XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Order # XXXX Arriving : Tuesday, XX/XX/XXXX View or manage order Ship to : XXXX XXXX, IL XXXX XXXX : {$2.00} Tuesday, XXXX XXXX XXXX order # XXXX They STOLE XXXX XXXX CHASE ACCOUNT LOOK CAREFULLY N ME N TOLD Y'ALL MOTHER WISE I USED MY CARD N THEY STOLE FROM CHASE A XXXX ACCOUNT N THE ORDER WASMT EVEN NAME MATCHING TO HER YALL XXXX AS XXXX HURRY UP N REFUND ALL CARDS AS A PUNISHMENT RIGHT NOW! OR A FEDERAL LAWSUIT A BOPP OFF Order # XXXX Arriving : Tuesday, XX/XX/XXXX View or manage order Ship to : XXXX XXXX XXXX IL XXXX XXXX : {$2.00} m was contacted
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A