Date Received: 2022-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My savings acct. was allowed to fraudulently pay out a Check on XX/XX/XXXX for {$30000.00}. Please note this is my savings account which doesnt even have a check. XXXX days later I notified what had happen they allowed a fraudulent check to pass thru and take my money. I complained within a few days and filed a police report about a day later. And they sent me a letter dated XXXX XXXX, XXXX and declined the claim. They declined reason was because their review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. When we spoke with them, they suggest I said that I pre sign my checks, which I do not. But again, the acct. was a savings acct. with no checks. The check was to a online watch company, in New York and the address on the false check was from an address in Florida. I live in XXXX XXXX California. Ive been back to the Chase Bank a number of times filing reports, affidavits and police reports and they still havent given any of my money back.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: At around XXXX, on XX/XX/2022, I went to make a withdrawal of {$80.00} to the Chase Bank XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I walked up to the branch 's own ATM and inserted my debit card. For some reason, the ATM would ERROR out whenever I inserted my card. The screen would say something like 'Could not complete. Please try again '. This had never happened to me before. I tried a few more times by re-inserting the card in order to begin the transaction again but no luck. A couple on the ATM to my right seemed to also be struggling. That is when a man, about XXXX XXXX XXXX, approached us and appearing to be a 'Good Samaritan ', said : " Oh hey, these ones work if you scan your card on the RFID reader ''. So both the couple on the other ATM and I tried it, and it worked! The ATM allowed us to access the terminal and withdraw money without the ERROR flashing on the screen. We were all very thankful to the mystery good samaritan. I went ahead and successfully withdrew my {$80.00} and left. A few days later, I logged in to my bank account online and noticed someone had withdrawn right after me, on the date of the incident ( XXXX XXXX, 2022 ), in the following amounts in order : - {$200.00} - {$200.00} - {$200.00} - {$200.00} - {$100.00} - {$20.00}, for a total of {$920.00} worth of fraudulent transactions. The suspect withdrew the MAX withdrawal limit left on my account. I include a screenshot of the withdrawals shown on my account- the withdrawal pattern obviously indicates a scammer attempting to recklessly liquidate my account! On XX/XX/2022, I filed a fraud claim directly with Chase by calling the Chase Fraud hotline, following the advice of one of the regional bank managers. Chase issued the {$920.00} as credit back, while they verified the claim, to me which was nice. I thought I would never hear about the claim, given the egregious nature of the fraud, again and was very happy. On XX/XX/2022, Chase rejected my claim and reverted the {$920.00} credit they had extended to me. I called Chase again and asked why this was the case? The transactions amounting to {$920.00} were obviously fraudulent transactions in which a thief had stolen funds from their own bank branch 's ATM! The Chase agent said that what I was stating in my claim was " impossible '' and that I would need to produce more evidence to support my claim. I asked why they couldn't just verify my claim using the XXXX footage from their own bank branch. The agent continually evaded the question by replying that I need to have more evidence of the fraud. Well, given the nature of the situation, the evidence is the XXXX footage you own yourself! I don't personally understand why they don't just get their security team to verify the XXXX footage. The XXXX footage, of which they are complete owners, would verify this report made to be 100 % truthful. But Chase did NOT want to look at the XXXX footage. In order to follow-up on the issue, I visited the Chase bank located in XXXX XXXX XXXX Financial District . I don't remember the bankers name, but she tried helping by appealing the case. She called the fraud team herself. The team 's response to her was again that I needed to produce more evidence to support my claim, otherwise it would remain closed. So the banker told me something that would be helpful as a next step for me is to file a police report. So I filed a police report with the XXXX. That report 's case # is available if needed. I went back again to the Chase bank branch in XXXX and met with a new banker. His name was XXXX. He was very empathetic with my case and really went above and beyond trying to get this matter to be resolved. He once again was on multiple calls with the Chase fraud team. He informed them I had come in to the branch with a filed police report with the intention of getting Chase to re-open the claim and re-assess. The team asked him to fax the report in. So he did, and then XXXX set a new meeting with me a few days after that ( the meeting was scheduled for Wednesday, XX/XX/XXXX ) in order for us to follow up together. I came in a few days later on the XXXX to meet XXXX. I reminded him about my case and he remembered me and the context of the case well. He called the Chase fraud team once again, asking for an update on the claim now that the report had been faxed to them a few days prior. The Chase XXXX XXXX told him that they would not re-open the claim because " given the filing of a police report, this claim is out of our hands. '' I'm not sure I understand why that is the case. They have the direct power to solve this case flat out by just making the XXXX footage on the date of the incident available. All in all, XXXX got nowhere in helping me re-open the claim so that the Chase fraud team could re-visit it and hopefully just look at the XXXX footage, see the obvious fraud taking place, and issue me the credit back. All in all, this process has been exhausting and extremely time-consuming. Chase has shown a level of negligence and complete customer disregard every step of the way. The fact that they asked me to produce a piece of evidence to them, and then used the fact that I had submitted that evidence against me is crazy. This fraud happened on their watch, at their very own branch location. This fraud can be exposed completely by the XXXX footage in their possession. I am now turning to the CFPB for help as I feel completely defrauded by both the criminal and by Chase themselves.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase bank decided to restrict my bank account on XXXX, XX/XX/2022. I was never given a reason for the bank to close my account. I spoke with several chase members telling me multiple different statements, ultimately a branch manager told me that I would be able to withdraw my direct deposit which came in on Friday, XX/XX/XXXX in a few days. I went into a chase branch to withdraw them and I was told I could not withdraw them on XX/XX/XXXX. I filed a complaint with the bank and was told that I would be receiving a phone call by corporate the next day which I did not. I keep getting transferred from department to department, from different chase representative to the next one hearing different stories from everyone. I just want my money out of my checking account. Chase has continued to lie to me in person and on the phone.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Without my knowledge, my son applied online for a loan. As part of the application, he provided his checking PIN and his personal account information. A fraudster accessed his account using the information he provided in the application and printed a copy of a check that I had written to my son that he had previously cashed into his account. The fraudster altered the check #, check amount and check date and made multiple hand written falsified checks and then mobile deposited each altered check. My bank then cashed these checks. The checks exceeded my account balance and therefore should not have been cashed. Also, I reported the fraud within 24 hours. To report the fraud I went to my local branch with printed copies of the fraudulent checks. The Branch VP helped file the claim and I was told it would take up to 30 days to get my money back. The fraud took place on XX/XX/22 and I reported it on XX/XX/22 and I still have not been reimbursed. I have contacted the bank three times during this period and each time I have been told that it is still under investigation. The bank has never reached out to me for follow-up questions. The check that was altered and cashed on XX/XX/22 was for the {$1700.00}. A second fraudulent check in the amount of {$780.00} was also cashed on XX/XX/22, however that one the bank reimbursed me on the day I reported the fraud.
Company Response:
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied an extension of credit from JP MORGAN CHASE BANK which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to XXXX. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services. 16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802b, as I have informed the credit reporting agencies XXXX, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction. 15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The Privacy Act of 1974, 5 USC 552a, my privacy has been violated. 15 USC 1681s, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the information is, in fact, inaccurate. The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows
Company Response:
State: HI
Zip: 96732
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These companies performed Unauthorized inquiries on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Since XX/XX/2022, the account has been disputed with Chase Bank multiple times. Chase refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX the job i did sent wiretransfer for {$1000.00}. I never got it so i called found out 1 number was wrongon the account. So they requested the money back, but chase bank wounld n't respond to them so i waited for over a month asking if they got any responce. they said no. So i went to bank and asked about it and they said the coud n't help. So then i went to another Chase Bank the Mgr. tried to help and found out that the money went to someone elses account. Even she said that sould not have happend. because of their rules If the Name & Numbers dont match then the funds should have automaticly got sent back. but it did not. After 2 weeks trying to get it back and getting permission from the person that took the money because chase said the couldnt do anything. She the Bank Mgr had to call the person and say they have the money by misstake and the person said that the bank could take it back. thats been 2 weeks and the bank Mgr and i talk almost every day said chase still has not taken the money back.It 's now been almost 4 months since i did the job and waiting to get paid.3 months since they sent money but i'm still waiting! I need help to get this resolved
Company Response:
State: WI
Zip: 53140
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: claim # XXXX for chase acct XXXX. Fraud! Check altered & cashed by unauthorized person. Chase fraud department contacted numerous times. Several letters to us saying claim cancelled. Several times Fraud department saying claim not cancelled. Several times asked for same documents which we submitted. No one is in charge, and no one seems to know what anyone else has said or done. Original claim filed by Chase bank XXXX. in XXXX.
Company Response:
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A