Date Received: 2023-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, my Chase account showed my payment submitted successfully. On XX/XX/XXXX, the payment was returned without my knowledge, and the lack of successful payment was not made known to me. On XX/XX/XXXX, my statement showed my account as past due and that I had a late fee and interest charges. On XX/XX/XXXX, I spoke with XXXX Chase representatives. The first notified me that my payment account " had no funds. '' This perplexed me, as my checking account had approximately XXXX times as much as the total due. She notified me that she was able to reverse the late fee but not the interest charges. I accepted this, and looked again my payment activity. The payment scheduled was from an account that has never been associated with my Chase account, nor XXXX that I was familiar with. I called back and spoke with a supervisor who told me that the error was mine when I set up autopay and they could not refund the interest fees for any reason. I have attached payment documents which clearly show XXXX separate accounts being used, and in neither case did I do anything different. I have never been late on any payment.
Company Response:
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Good Afternoon, I hope your day is going well. I am submitting this Complaint to inform CFPB that I have been a victim of an Investment Fraud Scheme and would like to File an Official Complaint on this Broker with your Organization. On XX/XX/XXXX, I connected with a XXXX XXXX XXXX by checking the XXXX. The XXXX name is XXXX XXXX XXXX. Her CRD # is XXXX. XXXX provided information that she is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and their CRD # is XXXX. Also, licensed as an Investment Advisor with XXXX Personal and Workplace AdvisorsXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX and their CRD # is XXXX. She has a XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX and I started conversing through XXXX XXXX. Her XXXX XXXX contact number is XXXX. Her email address is XXXX. We started conversing on XX/XX/XXXX up until XX/XX/XXXX. She sent me an XXXX XXXX. She stated that she trades for clients and takes XXXX percent of the profits she makes for her clients and clients can take their profits at any given time or she would advise re-invest. She advised me to set up a XXXX account. I had never used XXXX or ever did any kind of Investing. Therefore, when it came time for me to take the profits, she informed me of another party that needed funds in order to get the profits. I have been de-frauded out of a total of {$110000.00} which is all of my savings. I havent been able to eat nor sleep since my last communication with her on the XXXX XXXX on XX/XX/XXXX. I have all documentation that was involved with this broker. Please see below in reference to the breakdown of the monetary values involved. I have my bank JP Morgan Chase involved in investigating the Scam as well. Please help to stop this broker from taking advantage of others now and in the future. PleasePlease.Please. I look forward to speaking with someone soon in reference to this issue. XXXX $ XXXX XXXX $ XXXX Transfer XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX Also, as an FYIplease note that this Broker is still at these games. On XX/XX/XXXX @ XXXX XXXX and because she has blocked me from contacting her through the XXXX XXXX. I had my son contact her acting like he wants to be a potential client and she responded to him. PLEASE HELP!!!! I reached out to XXXX XXXX XXXX XXXX and their Employee Relations Fraud Division returned my call on XX/XX/XXXX to Confirm that XXXX XXXX XXXX is an Active Employee as a Licensed Broker with XXXX XXXX XXXX XXXX but they were aware that a Fraudster was Impersonating XXXX XXXX XXXX. She stated that I was not the first person that this XXXX has done this too and they are aware of this Issue. As a Consumer, I would like to see that the XXXX Website will include some kind of Alert that someone is impersonating this Broker as XXXX XXXX XXXX and to be Warned of a Potential Scam Alert. Sincerely, Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Upon reciept of actual notice of intent to defraud the United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I sent an email XX/XX/XXXX XXXX AM, Chase Accessibility from " secure online messaging '', subjectAccommodation assistance, informing JP Morgan Chase as a medical necessity, " after an ongoing media intrusion, and threats to personal safety from obstruction of access to personal property at XXXX XXXX, established the need for any available accommodations to keep the account open for deposits from the United States Department of Treasury, until the issue of XXXX XXXX XXXXXXXX employees maintaining a record of intentional fraud on the federal government has been resolved to correct my past due benefit amounts in default since XXXX of XXXX '' Denying fraud alerts as would be available to persons without need for XXXX accomodations, JP Morgan Chase responded XX/XX/XXXX XXXX XXXX, from Chase Accessibility, subject : We received your accessibility assistance message, clearly showing bias against the consumer in a statement that reads, Based on our review of your messages, we understand that you are currently disputing activity from the Social Security XXXX. We recommend you work with them directly to resolve any disputes relating to Social Security XXXX. However, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, " Nothing in this section shall require a person with a XXXX to engage in a futile gesture if such person has actual notice that a person or organization covered by this subchapter does not intend to comply with its provisions. '' Therefore, if an underpayment is egregiously neglected, but evidence submitted to the bank established a claim due an eligible survivor, the money would be paid immediately but the Department of Treasury would not reimburse XXXX based on evidence provided to the bank showing intentional delays. JP Morgan is requested to suspend the checking account in question until further notice of action from the claimant, with a return of remaining balance adjusted to meet claimant dire needs pending forgery determination awarding a new decision on underpayments paid against the agency false records without delay. JP Morgan Chase has thus far exploited the conflict of interest by refusing my written requests on multiple trading days across several public markets, allowed media companies to use a separate credit account for fraudulent transactions causing a cumulative financial injury, and coerced the complainant to stipulate all communication through phone calls with an XXXX XXXX unwilling to document the procedural history of fraudulent transactions.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed on XX/XX/2023 that several credit cards had been applied for in my name. I have not applied for any credit cards. The companies were JPMCB CARD SERVICES, XXXX BANK, XXXX XXXX, XXXX XXXX BANK XXXX, & XXXX. I need this remedied.
Company Response:
State: OK
Zip: 73701
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I want to make complain about JP Morgan Chase bank. I received a late payment fee for not making payment on time back in XX/XX/XXXX. My due date was on XX/XX/XXXX which was a XXXX. The next following day was XXXX XXXX so the branch was closed because its XXXX XXXX So the first following business day was XX/XX/XXXX. I did make my payment at a branch on the XX/XX/XXXX, XXXX. According to the Credit Card Accountability Responsibility and Disclosure Act of XXXX, the payment due date should be extended to the next following business date if the due date is on holiday or weekend. In my case, I wasnt able to make payment over the phone or online. Because I had to made payment by using a physical check from another person. I must deposit the check at branch. However, the branch did not open on both day of XXXX and XXXX. I tried several times to talk to customer service agent at Chase. But all of them insisted that Chase bank do not have grace period ; payment must be made on or before the due date regardless whether the due dates fall on weekends or holidays. This is contradicted with credit CARD Act of XXXX. I dont care about if they will refund me the late fee, but this is about whether the corporation is practicing their business under the Law and integrity.
Company Response:
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX - At XXXX I received a call from a number that matches the Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The call was a phishing scam perpetrated by someone claiming to be a Chase representative. The caller asked me to verify if I had made a purchase with my debit card at a XXXX XXXX in XXXX, AZ which I promptly denied. I was then asked to verify my card information, not knowing that this was a scam, and my card information was leaked to the caller. I go to check my accounts on the Chase app to find that multiple ATM withdrawals were being made immediately after the phishing call ended at the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, IL. In total, XXXX separate withdrawals were completed of varying amounts totaling {$1400.00}. Why was this not flagged as abnormal financial behavior? I froze my card, called Chase and was able to file a claim to have these funds reimbursed upon further investigation. I received a new debit card. XX/XX/XXXX - I received a letter in the mail from Chase saying that after their investigation it was found that these transactions supposedly were authorized by me, and the claim was denied. This is utterly false. I was then sent chasing after various Chase representatives on the phone who were unable to provide adequate information about how to proceed with appealing the claim. Nor was I able to access any higher-ups. I was simply told I needed to providing supporting documentation to my case without any indication of what type of information I should seek to provide. XX/XX/XXXX - I met with a representative at the XXXX XXXX XXXX branch in XXXX XXXX, IL in the morning. The representative called claims to see what could be done. Since I " willingly '' leaked the information, nothing could be done as per the funds being reimbursed. Furthermore, it was stated by claims that only half of the ATM withdrawals were included in the claims which is indicative of the carelessness of whoever filed the original claim since I explicitly stated each transaction that was to be included in the claim. A complaint was filed with Chase, and I await to speak with corporate to open a new case. This is extremely disappointing as a Chase customer and I feel unprotected as a result.
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hi there, Per the terms of Chase XXXX credit card - As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. I spent {$15000.00} in XXXX based on purchase date, however, several of my transaction only posted past the XX/XX/XXXX and the system didn't issue free night award automatically. I've tried to reach out visa XXXX but didn't hear back for over a week. Please kindly advise.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check of {$6800.00} on XX/XX/XXXX in my business account using the online deposit function. Chase Bank held onto the check for verification and claimed the funds will be available on XX/XX/2022 ( Exhibit 2 ). Now it claims it has not been able to verify the check. I contacted my client who issued me the check and was provided a cancelled check ( Exhibit 1 ) with evidence that Chase has cashed the check and the funds have been removed from his account. Chase has refused to make the funds available to me even though they have collected the funds from my client.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My card was charged for repeated transactions amounting to tXXXX of dollars. The initial transaction was for XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX XXXX XXXX I filed the complaint detailed below. Nearly 6 months have passed & still no refund of our money that was stolen. I am told by Chase that XXXX XXXX cashed the altered check & they must agree to refund our money, but XXXX XXXX will not discuss with me since I am not their customer. I need someone to force Chase & XXXX XXXX XXXX to deal with this & get us our money. It is clear they cashed an altered check on our account. Just " checking in to see how Chase will respond '' as was done before is worthless. Please actually help us. " My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " The XXXX XXXX '' on our behalf. Chase issued a check. On XX/XX/2022 The XXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. Since we nor the Personal Touch know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to The Personal Touch ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase XXXX days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid The XXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. Chase chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you. ''
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A