Date Received: 2023-01-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had a problem happen with my chase XXXX bank account that started on XX/XX/2022 with a customer of mine XXXX XXXX. She had paid my company for her long distance move for a cost of {$4600.00} paid with 2 separate checks one for {$2000.00} and the second for {$2600.00} on XX/XX//2022. After the customer paid the following day she wanted to cancel so I refunded her in full the {$4600.00} deposit and canceled the service. I told XXXX allow 24 - 48 hours for the funds to be available in her checking account and she confirmed with me that she understood. The following day on XX/XX/2022 I noticed that one of the checks she paid with for {$2000.00} was charged back after I had paid her the full deposit back of {$4600.00} and the {$2000.00} was deducted out of my XXXX account. XXXX XXXX now had a total of {$6600.00} which is {$2000.00} more than what I refunded. XXXX stopped speaking to our company and staff and when I asked her about this she then threatened me with false reviews and claims towards my company and refused to give back the additional {$2000.00} she had taken. I notified chase bank and they put a stop payment on the {$4600.00} reversing it back to me so I could recoup the {$2000.00} loss on XX/XX/2022. On XX/XX//2022 I noticed on my statement that the reversal failed and went back to XXXX XXXX. I went to Chase bank and showed them what happened and they refused to help me and said I had to make a claim and need to handle with the customer. The customer XXXX refused to speak with me and continued to threaten me with false claims and reviews if I did not stop contacting her. When I tried to submit a claim with Chase bank they did not accept it and would not let me file. I then went to the police station and filed a police report against the customer that I then took back to Chase bank and showed them and my statements a second time of what happened. They started to take my case more seriously and told me they would help me out and recoup the funds. Since XXXX of 2022 Chase Bank has not done anything for me and when I ask for updates they don't give me any answers or try to help. They assisted this customer with taking additional money from my business and when I speak to the police they tell me this is a clear case of fraud. I need help now I am a small business owner and have been taken advantage of by my own bank J.P Morgan Chase Bank.
Company Response:
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 my wife drew a {$5000.00} check, no. XXXX, payable to XXXX for my life insurance policy premium, and drawn on our joint checking account at JPMorgan Chase Bank , N.A . ( Chase ) XXXX XXXX XXXX, XXXX XXXX NY XXXX. My wife mailed this check to XXXX that same day, but the check was apparently stolen from the mail. We were unaware of any problem with this check until we received a XX/XX/2022 letter from XXXX to me, advising that We have not received your annual premium payment that was due on XX/XX/2022 and that my life insurance policy had therefore lapsed. I verified that check no. XXXX, including an image of the front of the check only, did appear on our most recent Chase statement, but XXXX insisted that it had not received payment. I therefore ordered a front-and-back image of check no. XXXX from Chase. On receiving a copy of both sides of the check, I noticed that the back was endorsed with a scarcely legible signature, XXXX XXXX XXXX, or something close to that. It was not endorsed to the payee on the front of the check, XXXX. I showed check no. XXXX to Chase XXXX XXXX XXXX XXXX, at the branch at XXXX XXXX XXXX, XXXX XXXX NY XXXX, on XX/XX/2022. XXXX XXXX agreed that the endorsement was a bad forgery and added that he did not understand how the check was ever accepted in the first place. He said I would receive credit within 90 to 120 days and asked me to fill out a Declaration of Unauthorized Endorsement or Altered Item, which I did. It has now been 120 days but I have received no credit, and only further evasion, from Chase. XXXX a XXXX from Chase at XXXX ext. XXXX told me, falsely, that Chase was not liable for the check and that my only remedy was against the depositary bank, reportedly XXXX XXXX in California. He also told me that Chase was pursuing XXXX XXXX, and asked me to wait another 90 to 120 days while it did so. XXXX admitted that he could not tell me when, or whether, I would receive credit for the altered check. Chase has no excuse for debiting my account for a stolen check that was not endorsed by the payee or even in the name of the payee. Ultimate liability for the stolen check may be with XXXX XXXX but Chase is liable to me for the {$5000.00}, with interest. I respectfully request that the CFPB order Chase to pay me this amount.
Company Response:
State: NY
Zip: 11050
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
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: In XXXX, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest Chase credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the Chase account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to Chase for {$220.00}. I contacted Chase and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that Chase received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my XXXX credit report highlighted my former Chase account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting Chase to request the removal of the Adverse Information from my credit report, I was told that when I created a Chase web account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from Chase on my soon to be closed credit card. Chase could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that Chase had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. Chase continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While XXXX allows a consumer statement to be included on the credit report, it not only appears below the Adverse Chase information, but its buried at the very bottom of the credit report.
Company Response:
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX a criminal went to multiple chase branches with my stolen debit card in XXXX. They had a fake ID from XXXX as well, and my mail was stolen when I was on vacation. This individual hacked my phone the same day and was able to change my pin number at the Chase branch They stole {$1000.00} dollars from a atm. The atm was located at XXXX XXXX XXXX XXXX XXXX IL XXXX a Chase branch. XXXX XXXX branch XXXX from Chase XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX was helping me with the fraud case. Chase denied it originally and it was re-opened twice and still Chase denied me all times. The branch XXXX also confirmed they had a fake id and changed my pin. I submitted a police report to chase showing that my mail was stolen, the credit alert proof of identity theft, and I submitted proof that I was not in the stat of Illinois at the time of the withdrawal. I was in Florida from XXXX and sent Chase my flight history. I asked if cameras were checked and they did not confirm but said I needed a subpoena. Essentially Chase had a breach when a bank teller let a criminal with a fake ID change my pin of the stolen debit card and then steal {$1000.00}. Terrible customer service from Chase as I was a loyal client who banked with them for 10 years and never had a fraud complaint before I told my story multiple times and they did not defend the client
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened my checking account with chase bank in XXXX on XXXX XXXX and they abruptly closed my account without any explanation thus, keeping my funds
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: My company wire transfered an amount from my JPMorgan Chase business checking account to another XXXX business account to complete a purchase order. The company that I had the funds sent to was a scam business and never shipped the purchase order. I asked XXXX to look into the receipant 's account. They deemed it fraudulent and closed the account. However, XXXX never reimbursed me the funds. I emailed and spoke with my personal banker numberous times and never got a resolution. Hence, I am filing this complaint in hopes to reclaims funds. Thank you
Company Response:
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have pre existing laye payments on credit cards that I have paid off and are not open any more. How can I get the late payments off my report?
Company Response:
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or about XX/XX/22 we received a notice from Chase Bank that a check had bounced from one of our business accounts. It was not a check or an amount we recognized. When we reviewed our accounts we noticed that this check did not match our records and in addition, the previous check number had had the amount and payee altered. We reported this to Chase on XX/XX/22 and they opened a fraud investigation. We also reported it to the XXXX since it appears the check was stolen in from the mail. Since then we have struggled with Chase to get this matter resolved. In the 3 months since we reported the fraud we have only received one correspondence from them and even that was a set of documents that we had to request twice. We have faxed supporting documents only to have them lost on two occasions. And twice we have had our claim closed because the bank was waiting for documents that had been sent and lost and we were never informed that the documents hadn't been received or that the claim was being closed. And finally, we had our claim closed because the bank was waiting for an additional document, but we were never informed of this and only found out when we called to check on the status of the claim. As far as we can tell in 3 months has made no or minimal effort to resolve the claim or to keep us informed of the progress ( or lack thereof ) on the claim.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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: On XXXX XXXX XXXX on a payment of {$4700.00}, I was scammed on the website : XXXX XXXX. The name of the scammers or sellers, ( whatever you prefer to call them ) is XXXX XXXX XXXX. I had purchased what was described as sXXXX XXXX XXXX by their respective actors. However, what I received was fake XXXX XXXXs with fake signatures and a fake and XXXX certification company. I have countless proof that the items the sellers sent me were fake and not as described per the listings. Attached you will see pictures of how they demonstrated and told me the items were authentic and legit. However, you will see that I used a reputable third party to check and they told me the auto was unlikely to pass any verification. Their so called " authenticator '' is a company based in XXXX ( for american autographs ), whose site site ends in " .net '' The sellers also claimed to be from the XXXX XXXX however upon arrival of the items the invoices said they were from XXXX XXXX XXXX XXXX and even used XXXX to deliver. XXXX is usually only used for International shipments. Furthermore, not only were all the items counterfeit but I already returned them all to the seller and have proof of delivery however sellers refuse to send my money back so I am left without the fake merchandise and my money. Almost {$5000.00} was stolen from me in this manner. Whats more? XXXX XXXX ( the website ) and my bank ( Chase ) instructed me to return the items to the merchant. And now the sellers have not returned my money. Chase did not even look at the dispute the first time even though it was extremely clear the merchants were scammers. Then they for some reason let it slide or just ignored my dispute to which I had to appeal and open a new dispute just for them to say after months of waiting that the time period was over. I have been extremely cheated by Chase and will seek legal action if needed.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX my coworker got a text and a phone call from a fraudster pretending to be working for Chase. He got into her account and sent out multiple unauthorized XXXX to a couple of her contacts including myself for a total of {$5000.00}. I then proceeded to send her the money back but since XXXX only allows a limit of $ XXXX per day. I had to send it on 3 consecutive days XXXX, and XXXX ( which show up on my XXXX activity list ) When XXXX came around, I started getting all this notifications that my payments were declided and not processing. I was completely unaware that my account was frozen because we had just deposited cash and my check was directly deposited with no problem. I decided to call Chase to figure out what was going on and to my surprise my account was frozen due to a fraud claim that was under investigation. After explaining what had happened to multiple people that I was redirected to, I was under the impression they understood the situation and the problem would be solve but it would take 5-7 bussines days to unfreeze my account. In the meantime, I was left with all this unpaid bills, including my mortgage, late fees, not mention all this happened during the holidays. I had to figure out how to pay since I wasn't allowed to utilize any of my money in the account. Almost 2 weeks went by and I noticed on XX/XX/XXXX ( while my account was still frozen ) there was an unauthorized withdrawal for a total of {$5000.00} with a " Reverse Dispute credit " description. I made an appointment with one of the chase branches on XX/XX/XXXX to figure out what was going on. Once again after being redirected to multiple people and explaining that the money taken unauthorized from my account was in fact my money and not the other person 's. They made me believe this issue would be solve after the proper investigation was completed and the money would reflect back into the account once it was unfrozen. But again I had to wait another 5-7 bussines days. I waited and nothing was getting solved. I called a third time but this time around they were able to unfreeze my account but I was still missing the {$5000.00}. They went about to tell me the case was still pending and it would take more days to be completed. I called a forth time to check status on the unauthorized withdrawal and all they told was that the money was credited to my friend to make her whole and the only way to get it back was for me to ask her for it. I don't understand how Chase went about the investigation if it clearly shows that I indeed sent her the money back and what was wrongfully taken out of my account was out my own money. I went again to another chase bank on two different days to try to get some help and got the same answer. I feel scammed by Chase, they didn't do a diligent investigation otherwise they would of checked my XXXX activity list to prove that I was being honest. I've been a chase costumer for a long time and never been in such an unpleasant situation. They didn't acknowledge anything I said and clearly didn't even care to take a further step to look into the account. They made me feel like I was a scammer when all I did was the right thing in returning the money that didn't belong to me as soon as I received it. I have proofs but still chase doesn't care to solve the problem they created.
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A