Date Received: 2022-12-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX XXXX from my JPMorgan Chase Bank account to fraudulent investment firm.
Company Response:
State: IL
Zip: 60188
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: Managing an account
Subissue: Banking errors
Consumer Complaint: One week ago on Wednesday, XX/XX/XXXX we filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding claim number XXXX. This transaction is not recognized and was not authorized as explained when it was initially reported to Chase. In response to the notice that Chase posted on the account related to this claim, we have requested copies of ALL documents that Chase has that proves this charge is valid and or authorized. It has been seven days and no one at Chase has responded to our CFPB complaint requesting the documents in accordance with the federal law - The Fair Billing Credit Act. In accordance with federal law Chase must provide the requested documents once funds from a dispute are reversed such as this claim. Chase has not provided the requested documents proving that the disputed transaction is indeed valid. It has been voiced several times that we experienced an emergency while out of town which required XXXX service and were without devices and wallets for over eight hours or more. We are in request of the documents proving that we are responsible as Chase has stated. We reserve the right to file with the FTC and the CFPB again.
Company Response:
State: TX
Zip: 77433
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX had a long-standing deposit relationship with Chase Bank , even to the point of having a favorite teller with whom she dealt on a regular basis. She also felt close to the XXXX XXXX whose name was also " XXXX ''. Her banking history shows a frugal person whose only large transactions involved charitable contributions prior to these incidents. These incidents should have alerted anyone that they were unusual and deviations from the norm. Knowing our mother as we do, she would have also been very secretive about these transactions. 1. In person purchase of large cashiers checks purchased to send money to strangers whom she had never met ( Seven ( 7 ) separate occurrences from XX/XX/XXXX to XX/XX/XXXX ). 2. Large personal checks against her accounts to individuals ( NOT charities ) from XX/XX/XXXX through XX/XX/XXXX. In one case, three of these large checks cleared her bank on the same day. We filed a lawsuit in LA XXXX XXXX due to the XXXX nature of our conservatorship. The bank was able to get the matter moved to the XXXX XXXX and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. We even sent them this information from the CFPB website and their response what essentially, " Not our responsibility ''. Elder financial abuse prevention can be viewed to fall within a financial institutions general obligation to limit unauthorized use of customer accounts as well as its general privacy and data security responsibilities. As a result, a financial institution that fails to implement a robust elder financial abuse prevention program risks becoming the target of a CFPB enforcement action for engaging in unfair, deceptive, or abusive acts or practices. In addition, given that the CFPBs new leadership has identified XXXX as a priority area, it would not be surprising if CFPB examiners, when examining banks and credit unions subject to CFPB supervision, look at such institutions programs for preventing XXXX and use the XXXX recommendations in evaluating the programs. We have attached all the evidence we filed with the court along with copies of our Letters of Conservatorship and Order of Conservatorship.
Company Response:
State: NV
Zip: XXXXX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase keeps reapplying fraudulent charges to my credit card! Last month, I reported my credit card stolen within an hour after being pickpocketed. I " locked '' the card from my bank 's app. Though I only reached recordings ( " the fraud center is now closed '' ), I managed to call and use the automated system to make the report and to request a replacement card. A week later, on Black Friday, over {$8000.00} in charges were made on the " locked '' card. XXXX XXXX, XXXX, XXXX, XXXX XXXX, and even snacks at XXXX 's. After I made more calls to the " fraud center '' during business hours, the charges were credited, but incompletely ; my balance fluctuated. During each call, I was consistently reassured that these were all " automatically '' regenerated by their " system 's back end, '' and that I could ignore the alarming reappearance of these charges. " This just means our team is investigating these charges, '' they said. " You'll get a call within XXXX hours. '' No such call ever came. As of today, I received a " letter '' in the app 's " secure documents, '' informing me that I reported all $ XXXX charges as valid yesterday! I did no such thing! Half a dozen calls gets me only bland assurances. Is this an inside job? I did not have any of this trouble with the XXXX other cards that were stolen.
Company Response:
State: CA
Zip: 94123
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: Can't stop withdrawals from your account
Consumer Complaint: Several years ago my mom and I took the money my son had received in bonds and checks from relatives to JPMorgan Chase to open an account for him. The bank representative told us we were opening up a regular savings account for a minor. It turns out he in fact opened a custodian account in my son 's name with my mom as custodian. None of this was disclosed to us. This would be ok but we discovered this when we received a notice that the account would suddenly start being charged {$25.00} fee per month. I went to change the account to avoid the monthly fee and was told it is a custodian account in my mom 's name. My mom XXXX XXXX XX/XX/2021. I was given the run around with her death certificate, trust, etc. I started this inquiry to resolve the matter in XXXX ( fees started in XXXX ) and now am told I can only go to court to open a probate matter to get another custodian appointed. I have asked if I leave the funds in until he is XXXX XXXX XXXX, but they stop the fee, I would be ok with that reoslution. But they said they can't help me. Instead, they will continue assessing a $ XXXX fee and by the time my son is XXXX there will be no funds left. We never knew this would be a custodian account, they defrauded us probably to get some sort of reward or hit a metric as a bank representative. And now they have suddenly added a fee to the account. And we can do nothing.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: We reserved rental car on XX/XX/2022 from XXXX on line and fully paid the amount of {$510.00} using my Amazon-Chase Credit card. Pickup date : XXXX XXXX and return date : XX/XX/2022. Location : XXXX ( XXXX XXXX XXXX ). Booking Reference : XXXX. I am XXXX XXXX XXXX and designated by my XXXX XXXX as XXXX due to XXXXXXXX XXXX XXXX and can not walk more than 50 feet. My wife is XXXX XXXX XXXX XXXX and has major knee problems. On XX/XX/2022 ; I received an email from XXXX changing the pickup location from XXXX XXXX, inside the airport to unknown outside location where we have to exit the airport entirely and take a Bus with " Parking Go '' logo on the front. They also indicated that they are very sorry about the inconvenience due to this change. I immediately tried to call the number on the reservation voucher and no answer. I wrote an email to the address on the voucher and requested the cancellation of my upcoming reservation due to their location changes and we both have knee problems and can not speak XXXX language. My email was delivered and my reservation was not cancelled. I protested it with Chase Bank and they sided with the XXXX claiming that I agreed when reserved of no cancellation but, I do have legitimate reason to cancel and be refunded. Pickup location was inside the XXXX as clearly indicated by XXXX, then the location was changed to go by a buss outside the airport with different car rental company. It's totally legitimate and I have the right to cancel. I tried twice with Chase and did not get anywhere. Chase should side with me and return my money. I am requesting your help with this issue.
Company Response:
State: CA
Zip: 92083
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received a cell phone call on XX/XX/22 from someone saying that it was XXXX, checking on a couple suspicious charges. I said I had not made them and the person on the phone told me what company the charges were made to and where the merchandise was to be sent. I further confirmed that those were not my charges. They asked me if I had lost my credit card or let anyone else use it. They were very sympathetic and gave me advice on how to make sure my card wouldn't be misused in the future. This person then said that I was part of a scam from a company that was already being investigated by the government. They said that, to clear this, they would connect me with the bank that my credit card payments go through. The XXXX person ( the " bank '' ) said that they needed by SS # and the last XXXX digits of my checking account in order to proceed. When I hesitated, they assured me that they would get this all cleared up. They, too, were very sympathetic and offered security advice, saying that this is a big racket and is happening all the time. I asked them for their name again and for an employee ID number, which they readily supplied. After that, person # XXXX said that they would connect me with the FBI, and that I should explain about the fraudulent company. After a few minutes, an " FBI '' person picked up and, upon my request, gave me his name and badge number. ( All XXXX of these people had XXXX accents, but I didn't want to assume that they were part of a scheme, so I proceeded. ) I told this person that before I went any further, I needed confirmation that they were legit. He had me look up the FBI site, then confirmed the address I was seeing. He also had me look at the phone number on the site. He asked if he called me from that number, would that confirm it for me. I said it would. Then he actually called me from that number! He then gave me a " case number. '' He asked how much money I usually kept in my checking account. When I asked what that had to do with anything, he said all the information I gave would make it easier for them to help me. That was finally the last straw for me. I said I had to take care of a couple things, and would get back to him. I asked for his desk number and he supposedly gave it to me. XXXX I called it back later to play with him. He actually picked up. I said I was calling about my earlier case, not giving my name. I asked him to tell me again what my case number was, and he gave me that same number again. ( They must give everyone the same " case number. '' ) He asked what he could do for me- and I said that I had now been on the phone long enough to start an investigation on him - and hung up. I wish. How very foolish of me. But my concern for not judging a foreign accent - and their " concern '' for helping me out of my urgent problem sucked me right in. Sigh.
Company Response:
State: WI
Zip: XXXXX
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I received a call from Chase Bank confirming a credit card account opened under my name and with my personal information. In which I NEVER opened so I confirmed with them that it was not me! The representative closed the account but suggested I call the Credit Bureau to report the fraud, in which I did. They were able to add a fraud protection on my account and have formulated a dispute with the company, in which I am waiting to hear back from. And now I am formulating a complaint here to ensure my information is safe. I have been subject to identify theft and taking action to help secure my information!
Company Response:
State: FL
Zip: 33414
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: 2022-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Complaint for Chase Credit Card XXXX XXXX Department XXXX XXXX XXXX ) ) Transaction Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Transaction Amount {$6000.00}, XXXX XXXX canceled the reservation XXXX XXXX ) on XX/XX/XXXX I am writing to complain Chase Credit Card unfair action and caused my loss of {$6000.00}. The charge was originally reported by me as a fraud claim back on XX/XX/XXXX, for {$6000.00} charged by XXXX XXXX ( XXXX ). On XXXX, I noticed the amount was charged on my credit card again. I called Chase credit card fraud department, and I was told to talk to the merchandise. I called the merchandise, and I was told the package was cancelled on XX/XX/XXXX and I should speak to my credit card company for the credit. I spoke to the XXXX Department supervisor XXXX. On XX/XX/XXXX, I was told that XXXX was able to get the refund {$6000.00} successfully and I should expect the credit in the next billing cycle. Until now, I have not received any credit for the transaction. I called on XXXX again and I was told I should expect to receive my credit back soon. I waited till XXXX and still not got any credit for the refund. I called on XX/XX/XXXX, this time I was told to send a dispute letter with the evidence of the merchandises agreement on the cancellation of the package. On XX/XX/XXXX, I called again, and I was told the case was closed and dispute was rejected due to the dispute window was over 60 days. I spoke to Dispute supervisor XXXX. He suggested I should submit a dispute letter again so this request can be investigated again. From XXXX to XXXX, I have called more than ten times regarding this refund, and I was directed and redirected to different departments. The entire process was totally confused and no one in Chase credit card can give a clear direction on what I should do. The reason the dispute window passed was due to the Fraud department gave the incorrect information that the dispute was successful and the unclear process. The Fraud department should be responsible for this. I have been doing what I was told to do. I would take legal action to file a formal complaint to chase credit card. I really need your help to get my credit back since I have paid the {$6000.00} to Chase but I did not receive any merchandise.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Inaccurate information on loan balance/repossession
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A