Date Received: 2023-01-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, I made a withdrawal of {$31000.00} from my XXXX XXXX XXXX account to my bank account with XXXX XXXX XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase XXXX bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. ) ***** I already left this message earlier. an employee called me, but later I could not contact him at the number he provided ( no beeps ). I ask you to give a response to this appeal in writing to my mail ( XXXX ) or contact me at the phone number that I will indicate in this appeal. ( XXXX XXXX XXXX XXXX ). Thank you. *****
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: JPMCB Card XXXX hard inquiries on XX/XX/XXXX, and XX/XX/XXXX, are reported on my experian report. I spoke with a representative at JPMCB, and they recommended I report fraud. They stated they did not have any credit application history in my name. I also credit submitted a fraud dispute with XXXX.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a phone call from chase stating I had suspicious activity of a wire transfer wanting to be set up. I stated no that wasnt me and the chase specialiststated we can do a recall process to reverse/ stop the transfer. I revived automated codes/ messages/emails/ stating from chase to give. XX/XX/XXXX I woke up to a notification stating my account is now negative. XX/XX/XXXX I called chase via the same number I was called from yesterday to report this and ask why did it go through if I said it wasnt me before hand. The specialist on the phone didnt give a good explanation nor told me it could have been a scam. So I was told it would have to be investigated and I would revive a letter in the mail to write my claim and send it back. I waited approx. 2 weeks for this letter and took it to the bank the same day I revived it. Called to check back up on my claim during another 2 weeks and no explanation or updated. Called chase again XX/XX/XXXX for any information and specialists said go to a chase branch and see what they can tell you. I did today and then was told after 30-45 minutes of investigation by a claims specialist for fraud l/ wire transfer that I was scammed and couldnt get my money back but yet theyre aware of the and situations information. Yet no one told me it was denied XX/XX/XXXX.
Company Response:
State: IN
Zip: 46221
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I instructed Chase to issue and mail a {$300.00} check to a vendor on XX/XX/2022. Chase allow a wrong company, with an entirely different name than the check was issued to, to deposit the check. Chase then debited {$300.00} from my checking account. I have spent hours on multiple calls in the last XXXX months asking Chase to correct its mistake and return my {$300.00}, but to no avail. Chase 's claim rep 's excuse was that the other bank, XXXX XXXX, has not returned the money. It was Chase 's mistake to even let the money go to a party the check was not issued to. Chase should return my money. I should not have to wait for XXXX XXXX for the money. Please help.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: To whom this XXXX concern, on XX/XX/2022 I fell victim to a scam. I now know the scam to be commonplace in XXXX after further research, particularly at Chase bank branch locations throughout the XXXX. I have attached the original email sent from XXXX to my personal email address for review- please note while I was on the call being scammed I attempted to contact XXXX via email to confirm the number and email were credible, and their phishing department did not respond, ever. Please make note that I received another email less than a month later trying to trick me using the same scam - It does not appear XXXX 's fraud and protection department have looked into this scam since emails are still being blasted out to consumers, and have been since at least the beginning of 2022. On the morning of XX/XX/2022 I woke up to a request for {$490.00} in my XXXX account. In the email sent by XXXX ( confirmed it was sent by XXXX ), there was a phone number provided for the XXXX fraud and protection team, and the message indicated that XXXX believed this request to be a scam. As a result, I declined the request and quickly reached out to the number provided to make sure my account was protected. I came to realize the number provided was that of a criminal/scammer/hacker claiming to be working for XXXX fraud department. I chatted with them for almost the entire day trying to investigate whom this hacker is that was able to access my account information. In this process I disclosed a considerable amount of personal information and also agreed to wire $ XXXX, albeit under the impression that XXXX fraud department had just deposited $ XXXX in the same account today - the purpose of XXXX " depositing '' funds into my account was for me to transfer said funds to an account that was noted to be run by the hacker - once the funds came available in the hacker 's account in XXXX XXXX, the supposed hacker would go to redeem them and be caught in the act. I note that the $ XXXX deposit was shown as executed by the hackers in my account, therefore, increasing the balance of my account at that time to nearly $ XXXX. As a result, I was further convinced and agreed to transfer the $ XXXX to what I now know to be a scammer. I also now realize after conversing with chase that the $ XXXX was never actually deposited into my account- I am unsure how the hackers showed this amount in my ledger. Nevertheless, it is worth noting that, on the same day of the scam, I paid off my XXXX which put my checking account balance below $ XXXX, albeit after consideration of the pending transaction on my account. Therefore, despite the bank ( XXXX XXXX of Chase Branch at XXXXXXXX XXXX XXXX XXXX, NY XXXX ) representative seeing my pending net balance below $ XXXX given the pending XXXX XXXX, he did not let me know there would be insufficient funds once the XXXX XXXX posts should the wire be sent out. It is hard to believe this was an oversight as my accounts were being reviewed by XXXX while I was sitting in his office. I believe most would assume this would be a red flag, or at least noteworthy, for an experienced banker and they would work with their customer to make sure the account did not go into a deficit- which my account did the following morning as a result of XXXX 's oversight. I reached out to Chase within just hours of realizing I had been scammed on XX/XX/2022 but they noted their wire department was closed for the day and I would need to visit my local Chase XXXX, which I did XX/XX/2022 first thing in the morning - Hoping to have the process of getting this wire recalled immediately before it reached any other intermediary banks or the recipient ( hackers ) bank account. I have been trying to work with Chase now since XX/XX/2022 on this matter. Because the wire was classified as an " authorized '' transaction, Chase representatives at the local and corporate levels noted that the only way for me to communicate with Chase about the case was through the " Secured Message Center '' on their mobile app and online - I can not talk directly to the individuals " handling '' my case as well as the communication with the hackers/scammers bank. For the record, almost every Chase representative, and even supervisors, were extremely dismissive and even rude to me on occasions, refusing to take any steps to help obtain updates, provide helpful info, etc.. They also made note that because the wire was authorized, they could make not guarantees of getting funds returned and it was a " best effort '' situation. This makes total sense as I was swindled. BUT, as a customer of a financial institution with robust resources, I still fully expected an actual " best effort '' on Chases behalf given I am a long standing customer and {$16000.00} is a good bit of money for anyone. I proceeded per their instructions and began contacting the " Secured Message Center '' - I have attached each sent message and email ( XXXX email ) for review. In addition, I have spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and made it aware to XXXX separate individuals of my situation and also provided the scammers account number, name, bank code, swift code, and scammers address ( attached as well as they sent to me via text message ). XXXX XXXX XXXX let their local bank branch know of the situation, as confirmed by a representative in XXXX XXXX. To summarize, I understand Chase 's position of not being liable for transactions their customers authorize. I would not be filing this complaint if it weren't for the following : XXXX. As attached, I sent XXXX messages to the " Secured Message Center '', the only means of contacting Chase for updates on cases like mine. Most of these messages were in the first few weeks of the case given the time sensitivity of wire transfers. Therein is dated proof of my attempts to contact Chase for updates. Given the time sensitiivty of this matter, their responses are deemed innappropriate in my opinion as a " best effort '' would have involved Chase actually reaching out to the bank ( XXXX ) involved to put a stop-go on the wire. XXXX XXXX representatives noted it takes usually XXXX business days for an international wire to be released, giving Chase ample time to recall the wire. XXXX. As attached, Chase provided responses and/or updates ( very limited detail ) on only several of my requests. However, nearly all of the replies were auto-reply from no one actually working on the case. However, ( attached ) as of XX/XX/2022 I received the below message as paraphrased for simplicity : " Due to increase volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. Thanks for your patience. '' I HAVE NOT RECEVIED A SINGLE UPDATE SINCE RECEIVING THIS MESSAGE, which equates to over XXXX month at this point- This is my primary issue with Chase and why I am reporting this to the CFPB. It need be said that I have researched and found numerous articles involving Chase 's lack of care and attention to customer complaints, needs, and matters. I have even called corporate customer support an array of times ( XXXX or more ) and the following generally happens : I am transferred around to several departments before being told this matter can only be handled through the " Secured Message Center ''. At that time I tell them I am getting no response from the message center and their best answer is " sorry, our department does not handle these types of claims '' and then, more often then not, I am suddenly disconnected. So, in essence, it is literally impossible for me to speak directly to the individuals handling my case, if there are any at all handling it. I am completely in the dark and the bank does not seem to care nor do they find themselves in need of even trying to help a long-standing customer with an XXXX XXXX XXXX. I have banked with Chase for years and this is a complete disappointment.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of an internet scam. I had sent an email inquiry about a boat listed for sale on XXXX XXXX. I received an email from a guy named XXXX XXXX claiming to the seller. He stated he was selling the boat through a broker service named XXXX XXXX XXXX. There was a link to website and it looked like a legitimate company. I agreed to buy the boat and followed the payment instructions for a bank wire transfer which was sent on XX/XX/XXXX. When the boat didnt arrive as scheduled I called the number listed on the website and an agent told me I would be receiving an email within 5 minutes updating the status of my order. I got an email and it stated there was a minor accident and that the boat would be delivered the next day which was Friday XX/XX/XXXX. When the boat didnt arrive the next day I started having a bad feeling and I went online and found a XXXX complaint that was identical to my experience. I called the bank immediately and the agent with the fraud claims department said I would need to go to a XXXX XXXX brach since I done the wire transfer in person at a branch. When I arrived at the bank on Friday at XXXX it felt like everyone was reluctant to assist me. A banker did call the fraud department and I explained the situation again and was told the same thing. I told the agent that I was at a XXXX XXXX branch using their phone. I set the phone down and found a banker to take the call. XXXX XXXX helped me after talking to the agent on the phone. She did a XXXX wire transfer reversal and gave me a case number. The money was sent to a JP Chase Morgan bank account and as it turns out my boat partner XXXX XXXX has a bank account with Chase bank. She had given me half the money for the boat purchase by depositing a check into my account the day before I did the transfer. On Saturday XX/XX/XXXX she went to Chase bank to make complaint because the bank was allowing scammers to use Chase bank. The agent she spoke with said that Chase was aware of the issue with account as of 4 days prior to her visit. XXXX called me on XX/XX/XXXX and said they were still waiting for a response from Chase bank about the reversal. I received a letter from XXXX XXXX dated XX/XX/XXXX that I didnt receive until XX/XX/XXXX that I would not get a refund as Chase would not return the money and the inquiry was considered closed. I called XXXX today XX/XX/XXXX because I missed a call from her last Friday. She said they had made several attempts to reverse the response. I also called the fraud department to verify this information.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been banking with Chase for many years. Several months ago, I set up a XXXX account THROUGH CHASE. When I set up the XXXX account, I created only ONE recipient, my landlord, XXXX XXXX, which was linked to his XXXX ADDRESS. For several months, I successfully transferred money to him through XXXX to pay my rent. On XX/XX/2022, using XXXX, I transferred {$2000.00} to XXXX XXXX for the XXXX rent. The next day, XX/XX/2022 I transferred {$1100.00} to him to cover the remainder of the XXXX rent. ( The total rent every month is {$3100.00} ) On XX/XX/2022, I received an email from XXXX XXXX saying that he NEVER RECEIVED the money I sent via XXXX. I checked my checking account at Chase and saw that both payments, totaling {$3100.00} had been taken out of my checking account. Then I discovered that someone ( NOT ME ) had created a second ( phony ) XXXX recipient. This second recipient was also named XXXX XXXX but it was linked to a PHONE NUMBER. This phone number is the SAME as my landlord 's phone number except for one digit. As I already mentioned, the one recipient I created was XXXX XXXX and it was linked to his XXXX account, NOT his cell phone. So, the questions are : 1 ) WHO got into my Chase XXXX account and created a second ( phony ) recipient? I repeat, IT WAS NOT ME. ( Is it possible that XXXX XXXX did this? ) 2 ) WHO received the {$3100.00} I sent for XXXX, 2022 rent? SOMEONE received the money. 3 ) HOW did someone get into my account to create a second recipient?? I have spent HOURS on the phone with both XXXX and Chase. BOTH blame the other. Neither Chase nor XXXX have offered any information, nor have they refunded the stolen money. Neither have attempted to identify the thief. Allegedly, Chase carried out an investigation ( at my request ) They concluded that there was no evidence of fraud and offered no information about the so-called investigation. I already filed a complaint with CFPB against XXXX. XXXX responded that I need to take it up with Chase. That is why I am filing this complaint.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was taken into XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2022. Upon my XXXX, I noticed that various credit cards were used without my consent. Chasebleing XXXX of these banks. I contacted Chase on XX/XX/2022 of me not making these charges and they temporarily credited me those charges, however on XX/XX/2022 they reversed the credit for XXXX XXXXharges of {$430.00} from XX/XX/2022 and {$320.00} on XX/XX/2022, stating that XXXX supplied them with contractual agreements?? Please see attached proof showing I was detained for those dates in question! I don't care what XXXX supplied my credit card company, there was no way I could contractually agree to anything since I was in a XXXX XXXX XXXXXXXX had permission to use my credit cards and noone can contractually agree to use my credit cards if they were stolen from my possession. Please help me in reopening this dispute and advise them that they should credit me these amounts under XXXX XXXX liability promise of authorized activity.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
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: Businesses : Chase Card Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and/or XXXX ) Issue : Unauthorized credit card charges XXXX XXXX XXXX Automatic debit credit card without authorization Invoiced payments are first applied to the oldest amount ( dates were not invoiced ) due dates then invoiced again for the same dates Chase Card Services ( Chase ) Informed Chase that automatic credit was not authorized, both telephonic and written Closed Chase after unauthorized credit card charges by XXXX. Issued a new card ; and Chase processed XXXX charges on new credit card Held financially responsible by Chase XXXX Since XXXX, I was a patient of XXXX. In XXXX, XXXX purchased XXXX. XXXX applied two practices : Automatic debit credit card ; and payments applied to oldest debit first. On XX/XX/XXXX, I received an e-mail from XXXX. On XX/XX/XXXX, XXXX will charge {$50.00} every Monday on outstanding balance, see XXXX XXXX. I spoke with XXXX, XXXX XXXX, that stated that my account will not be charged. On XX/XX/XXXX and XXXX, without authorization, XXXX charged my Chase Credit Card Account Number ending in XXXX, collectively {$50.00}. Account was closed immediately, and a new credit card was issued, account ending in XXXX. On XX/XX/XXXX, XXXX charged account XXXX {$50.00}, and Chase applied it to XXXX, without my authorization. I requested to close the account again instead a Chase agent placed a payment block on XXXX. On XX/XX/XXXX and XXXX and XX/XX/XXXX, XXXX submitted {$50.00} payments for each date and Chase processed them. For each date a verbal/written stop payment was submitted to Chase. In XXXX, I permanently closed my Chase account. To aspirate the problem, Chase has issued temporary credit for each charge, but stated in " Update : Your account has been credited '' that the credit will remain on my account while the issue is being reviewed. I should not be held responsible for {$250.00} plus interest. XX/XX/XXXX : Re-dispute letter, Chase XX/XX/XXXX : Dispute letter, Chase XX/XX/XXXX : XXXX XXXX XXXX payment errors
Company Response:
State: VA
Zip: 22191
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A