Date Received: 2022-12-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a new home valuation ( XXXX ) through the servicer ( Chase ) for the purpose of PMI removal. The XXXX was completed, and Chase sent a letter confirming the new value and the principal balance ( XXXX ) that would need to be reached to qualify for PMI removal ( {$210000.00} ). On XXXX, I made the necessary principal curtailment to bring the balance below this threshold ( in addition to my regular monthly payment on XXXX ). In the payment screen of the Chase website, I specifically selected the " Principal payment '' option for the curtailment. Chase misapplied my principal curtailment, causing my principal to remain above the threshold. Note : {$400.00} out of my regular XXXX monthly payment should have gone to principal, per the amortization table -- I was including this in my overall calculation. I contacted Chase 3 times, but their responses failed to even recognize my issue. They only replied with thoughtless, copy and paste style answers. I am providing copies of the following documentation : ( 1 ) all complaint correspondence ( 2 ) proof of my regular monthly payment ( 3 ) proof of my principal curtailment ( 4 ) New valuation and UPB requirement letter from Chase ( 5 ) XXXX and XXXX account statements ( 6 ) Recent transaction history ( 6 ) Amortization table from loan origination The numbers are as follows : XXXX as of XXXX : {$210000.00} Principal Curtailment : {$2900.00} XXXX payment portion to principal : $ XXXX Total principal reduction : {$3300.00} My XXXX should now be at {$200000.00} Somehow, my XXXX XXXX still showing as {$210000.00} *This number came from Chases amortization schedule as of XX/XX/2022, which I did not save a copy at the time that I viewed it. The Chase website now no longer provides the XXXX portion of their amortization table, but I provided a copy of the original version from the loan origination. The portion to principal varies slightly, but not by enough to make any material difference.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Last Wednesday I was contacted by XXXX XXXX. He called using XXXX, which is the Chase Bank fraud number. It was because of the phone number that I so stupidly followed his instructions. He had me withdraw {$10000.00} from my account and deposit it into a XXXX XXXX ' machine. I have no bit-coin experience and can no even figure out if my money is in 'my account ' or has be moved into something else.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was given credits for canceled flights by XXXX XXXX through my chase bank account. The fees were reversed and took my account over {$400.00} negative and my account was closed by the bank now I can not open an account with any other bank or credit union due to this the airline was supposed to issue a flight credit and never did then told the bank that I was on the flights so the bank said that cant go against the airline. The dates are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 and XX/XX/22 the balance was {$470.00} that I was charged
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I discovered that my checking account was usually low of funds. After investigation, I discovered that someone had opened up a XXXX XXXX count that was tied to my bank account and moved most of my money out of my checking and savings accounts. I went back in time and review all charges on my account and found that someone was moving small sums to overseas accounts starting back on XX/XX/XXXX. At no point did Chase raise any red flags, or warn me about these strange transactions that did not align with my past transactions ( despite claiming 24/7 Fraud Monitoring or Zero Liability Protection ). I called Chase to dispute these transactions, but after their investigations, they told me there is nothing they could do as Chase is only liable for up to 60 days from the first incident. The issue is a majority of the money was moved during this last month. Now my account is standing at a loss of over 80 % of where it should be and I have no path to recover the stolen money.
Company Response:
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received hard inquiries from JPCMB card services last XX/XX/22 and XX/XX/22. However, I never applied for any cards from this institution.
Company Response:
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. I habitually check XXXX XXXX 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX XXXXXXXX drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) XXXX states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXX XXXX account was opened in XXXX. ( Screenshot attached ). XXXX was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX acct. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. XXXXXXXX XXXX XXXX reflect credit score calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a 22 yr history, show a score of XXXX Excellent. Quite a discrepancy! Neither XXXX, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. ... I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " Credit Boost '' programs. Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my XXXX father. Also, I recently applied for Chase Bank 's XXXX XXXX XXXX, and was approved at an a very high interest rate. Chase reportedly use XXXX for credit checks. Resolution : I plea to have the accurate Length of Credit History corrected on my file @ XXXX XXXX ( et al. ), XXXX XXXX, My XXXX, Chase XXXX XXXX XXXX Rewards Card, and especially the XXXX XXXX, including their mobile app.
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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: Reason of dispute : I didnt receive the services what I ordered or service that was promised to me by merchant XXXX XXXX XXXX XXXX : Chase Freedom XXXX XXXX XXXX XXXX Amounts disputed : XXXX, XXXX USD Service that was requested : I had a call with an XXXX agent asking her what exactly I need to do to improve my ranking for a certain keyword. I had rated X without XXXX help, and an agent told me to run a campaign to get around Y no. of installs per day for a specific keyword, and I should see the ranking for that specific keyword improved. I followed her instructions. Campaign was completed in a few days. I checked my ranking. It went from XXXX to being Unranked. XXXX is the term used when you are not ranked at all among the top thousands. Same happened with some other keywords also. Instead of my apps rank getting improved, it got absolutely worse which was no rank at all. I already had rank XXXX something. For someone who knows how keyword optimization works in the XXXX app store. It takes months, and sometimes years to get ranked on certain keywords especially high traffic keywords. It took away all the hard labor we put on our app for years, and years in just minutes because of the way they ran their service. We got panicked, and reached out to XXXX telling them the situation, and they said they will investigate it, and respond between 5 to 7 days. A week passed by, and no response from their side. Finally, I was able to schedule a call with their representative. I explained her situation, and showed her how rank got so much worse, and your service not only didnt work but, made it worse. She agreed to it and said let me see what I can do. I will get back to you. I even ask her to give the balance back or refund me money. She said she will investigate it. She was the same person who guided me on campaign and told me to run campaigns for certain keywords and told me what the right number of installs I will need to get higher ranking, and she said do not worry, we guarantee the rank increase. We know what our AI is doing, we know how app stores work. If you see their website. It has guaranteed app rank, guaranteed app downloads etc. so many guarantees, Their representative was saying the same thing over, and over, and I asked her are you sure It works, Are you sure your service will not make the XXXX app store feel like it's spam or something? She said No, we have been doing this for years, and we know what we are doing. Well, Long story short. After a few days, we got an email saying no, as per our policy, we dont refund. We actually didnt receive the service they promised and did a lot of damage to our app store reputation. Numbers dont lie, and they themselves acknowledge that the outcome was not just what was promised but moved us way far from the ranking we already achieved through our hard work of years. I am going to attach some screenshots of conversation, and rankings before, and after their service to help you understand the situation better. We trusted XXXX, and tried their service in a good faith, and ended up damaging our reputation on store, and XXXX just doesnt want to listen to us or help us rectify or redo or anything to make us go back to where we were. They dont want to do any kind of help after so much damage. And dont want to offer any compensation in any way, shape or form. After completely exhausted by asking them for help back, and forth. We decided to take help from Chase to dispute all the transactions. Thank you! Credit card company made decision in favor of merchant. I tried making appeal but, they said they can't accept anymore as I surpassed the dates. Below was was appeal argument : Reason of dispute : I didnt receive the services what I ordered or service that was promised to me by merchant XXXX XXXX that was requested : I had a call with an XXXX agent asking her what exactly I need to do to improve my ranking for a certain keyword. I had rated X without XXXX help, and an agent told me to run a campaign to get around Y no. of installs per day for a specific keyword, and I should see the ranking for that specific keyword improved. I followed her instructions. Campaign was completed in a few days. I checked my ranking. It went from XXXX to being Unranked. Unranked is the term used when you are not ranked at all among the top thousands. Same happened with some other keywords also. Instead of my apps rank getting improved, it got absolutely worse which was no rank at all. I already had rank XXXX something. For someone who knows how keyword optimization works in the XXXX app store. It takes months, and sometimes years to get ranked on certain keywords especially high traffic keywords. It took away all the hard labor we put on our app for years, and years in just minutes because of the way they ran their service. We got panicked, and reached out to XXXX telling them the situation, and they said they will investigate it, and respond between 5 to 7 days. A week passed by, and no response from their side. Finally, I was able to schedule a call with their representative. I explained her situation, and showed her how rank got so much worse, and your service not only didnt work but, made it worse. She agreed to it and said let me see what I can do. I will get back to you. I even ask her to give the balance back or refund me money. She said she will investigate it. She was the same person who guided me on campaign and told me to run campaigns for certain keywords and told me what the right number of installs I will need to get higher ranking, and she said do not worry, we guarantee the rank increase. We know what our AI is doing, we know how app stores work. If you see their website. It has guaranteed app rank, guaranteed app downloads etc. so many guarantees, Their representative was saying the same thing over, and over, and I asked her are you sure It works, Are you sure your service will not make the XXXX app store feel like it's spam or something? She said No, we have been doing this for years, and we know what we are doing. Well, Long story short. After a few days, we got an email saying no, as per our policy, we dont refund. We actually didnt receive the service they promised and did a lot of damage to our app store reputation. Numbers dont lie, and they themselves acknowledge that the outcome was not just what was promised but moved us way far from the ranking we already achieved through our hard work of years. I am going to attach some screenshots of conversation, and rankings before, and after their service to help you understand the situation better. We trusted XXXX, and tried their service in a good faith, and ended up damaging our reputation on store, and XXXX just doesnt want to listen to us or help us rectify or redo or anything to make us go back to where we were. They dont want to do any kind of help after so much damage. And dont want to offer any compensation in any way, shape or form. After completely exhausted by asking them for help back, and forth. We decided to take help from Chase to dispute all the transactions. Thank you! I want to dispute the charges again, I absolutely don't agree with the charges being valid. XXXX said I received full services from them, and I didn't. I begged them to work with me after the rankings went completely wrong as they directed me to start a campaign for a keyword through the high volume of installs just to make extra money. Later on, I discovered how bad practice is it and I am pretty sure they do that to every client, and some of them unfortunately have to suffer consequences of going downward spiral on reputation in store, and losing audience, and potential revenue, and then, they blamed it on me. I was okay to work with them even after the unaltered damages that I suffered, and pretty much begged them to either give me some kind of assistance in terms of refunding me for those campaigns or issue me a credit or understand the situation they have put me in. they ignored my emails until they heard from Chase - you guys about the dispute. Then, all of the sudden, I got an email saying what's wrong, we got a dispute from your credit card company. I told them why don't you read all the emails I sent you begging you to work with me. I can provide you with those email threads. 2. Yes, I had meetings with XXXX XXXX, and in those meetings, they did their marketing where they told me what keywords to go for, and what should be the number of installs to achieve a certain ranking. they could have easily avoided this issue if they were not greedy, and had not told me to set a high install volume to achieve ranking just to earn extra money so, I consider it as not even a service. I consider that I was not provided the service I was told, and guaranteed. 3. No, there was no clarification on terms or conditions by anyone from XXXX. I have only spoken to one person over meeting calls ever. Her name is XXXX XXXX. She was the one who asked me to increase the volume of installs. She kept saying we know what we are doing, and we guarantee... Yes, XXXX times she used the word " GUARANTEE '' of achieving the rankings as per her directions which was basically to make the campaign bigger, and now, I know it was the way for her to make me spend more money on the platform, and had no real results, actually negative results. I suggest you take an introductory call with her as a customer to see what I am talking about. On top of that, take a look at their website, XXXX XXXX XXXX, and tell me if they don't advertise that they guarantee app rankings which is a false advertising. 4. You shouldn't believe the rankings they are providing. it's their own platform, they can provide whatever they want, and for us, it was different. XXXX pulled down ranking from our top revenue generating keyword so, I highly regret being on their platform. 5. No, XXXX reps for various teams have never explained to me on any occasion that XXXX might remove our services. When did I ever speak to various teams??? I spoke to one person only, and she told me don't worry, we know what we are doing. It is almost guaranteed to get the results SO, ITS wrong to say that XXXX never said they guarantee the results. Actually, that was the selling point for me to get to their platform, they clearly said that. 6. I elaborated, and went on the path for weeks, and weeks to try negotiating with XXXX, and I had enough when they consistently ignored my results, and refused to work with me, so I had no choice but to take my credit card company 's help. They didn't provide me with the services they promised. I can explain each and every point in detail as I am the one who is facing consequences not the XXXX. Please contact me through a call, and I would be happy to provide all info. in details. Thank you! I request you to re-open the dispute
Company Response:
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I want to document that Chase does not properly process deposits during Thursday night processing. I notice on multiple occasions where Id send an electronic deposit as an XXXX XXXX to my Chase Checking Account Wednesday and Thursday by XXXX XXXX and the deposit will not be processed till the following Tuesday. Yet, Chase allows withdrawals on my checking account to be processed on Friday and even Saturday. Followed by NSF notices and fees. Chase Bank purposely does this so they can rack up on NSF. Chase clearly states deposit transactions available as soon as it is received by the bank, this is false. This is to clearly document Chases practices including practices that purposely and intently forced customers to be charged NSF fees.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: This morning at XXXX XXXX XXXX XX/XX/XXXX ), I received a text message from Chase Bank stating they had noticed fraudulent wire attempts on both of my accounts. The text stated to respond with Yes if this was you or No if it was not. I typed in No. Shortly after, at XXXX, I received a call from someone portraying themselves as Chase Bank Supervisor, wanting to ensure my wires did not go through. He stated his name as XXXX XXXX. I told XXXX I was skeptical of him and hung up, to which I then called back a JPMorgan missed call on my phone ( thinking it was the real Jpmorgan letting me know about the fraud attempt ). When I called the number, it had all the same prompts as Chase typically has, and I continued with the call, eventually being set back up with XXXX. XXXX then ran me through the process of stopping my wire by sending a wire, which would cause XXXX to call me about the wire. Admittedly I thought this was very strange, BUT I thought I was talking to Chase Bank and had no reason not to trust his directions. As we initiated a new transfer, XXXX said he would send through codes to make sure the wire was deleted. I received codes from XXXX for the transfer, and it went through. I know now what XXXX was doing, he had another person call Chase acting as if they were me, as the other person impersonating me would get questions from the real Chase XXXX would ask me the exact same questions, as the wire was initiated XXXX would tell me he was sending through codes for my transfer, which the person impersonating me was also getting from the real Chase person. This recording of the impersonator doing the transfer has to be on your end and you will clearly hear that it is not me on the phone. It is an impersonator stealing my money. He then said it was normal and the money would be back in my account within 24 hours, and that XXXX would call me to ask if I wanted to press charges against the original fake wire in the morning. I then started to get a natural gut reaction telling me something was wrong. I called XXXX out and said I think this is fraud and hung up. Then I called Chase to report the fraud. Once I called Chase somehow, I was routed to the fraud call center that acts and sounds just like the actual Chase center. I reported the fraud there, not knowing I was reporting the fraud to the center that actually did the original fraud. After this, I went to the XXXX XXXX XXXX XXXX for Chase banking and spoke with XXXX XXXX, and she helped me get my debit cards closed and fill out a stolen identity form ( this was the incorrect form/I needed to fill out the UCC forgery packet/which I am doing today XX/XX/2022 ). After leaving the bank, I called Chase again to add more information to the fraud claim. I wanted to let them know the above story. Unfortunately, each time I call Chase, somehow my phone call is routed to the fraud call center and my attempts to report this incident do not end up with Chase. About XXXX on XX/XX/XXXX, I had a weird suspicion that my calls and reports were actually not getting through, and I remembered that I am a Chase private client. I called this number and finally got through to XXXX Chase bank. Theyhelped me with the fraud claim and told me that my wire had not gone through and that maybe it could be stopped ( which I am waiting to hear back from now ). I then returned to the XXXX XXXX Chase Bank to confirm that all had been entered into my account and that the fraud claim was started, which XXXX XXXX Confirmed. The Chase customer service person at XXXX XXXX was XXXX in Fraud dept. These people are excellent at fruad they had all of my info, including how many devices I was logged into, how much money was in my account, most of my personal info and they have an actual call center that sounds exactly like you are calling Chase Bank. Please help me return my hard earned money. Claim Number XXXX Dear Chase Fraud I am requesting a reopening of my wire dispute. I have met with a Supervisor at Chase and have added more information to the notes. I have sent the phone records of the calls and shown that it was Chase XXXX number that was calling me and that I called back. In addition to these notes please look back at the wire transfer records, there are original notes there saying that I called to " speed the wire transaction through as I was doing a very important investment ''. I never talked to someone at Chase to speed the wire ( which should be confirmed by voice recognition ). This means an imposter calling as me was able to get all the way to a person at Chase in my account to try and speed the wire through. This is fraud as this person was not me, but was acting as if they were. Impersonation of a banks depositor is fraud. Once the wire recall was made ( which should of been made IMMEDIATLY upon my call to Chase to report the fraudulent wire ) there may of been a much higher possibility of getting my wire recalled if this was handled properly on Chase 's end and that the wire was not " pushed through ''. I have contacted XXXX to get help tracking down the fruadulent wire and also requesting your help in this regard ( please see second page ). At the very least you all should be helping me recall the wire so that I can get my money back and/or I should be able to talk to a person in charge of making these decisions so that I can explain my case further. {$22000.00} is not small amount of money for me and I need to figure with you the best way I can to get my money back. Please help me in this regard
Company Response:
State: CA
Zip: 94530
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: They raised my interest all of sudden
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A