Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Jp Morgan charged account after several disputes for missing items from XXXX XXXX thru XXXX XXXX. Attached to account. Chase blocked XXXX from taking fund XX/XX/2022 but overdraft account after submitting proof of complaint in XX/XX/2022 upon last payment. XXXX never replaced or refunded XXXX for missing items or me. Jp Morgan has a bad problem with ghost transaction all the way down to the smallest dollar amount. JP MORGAN like to hold fund and charge accounts according to deposits being made.Holding large funds causing withdrawal fees it's sickening!!!
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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: on XX/XX/XXXX, i bought a motorcycle tank on XXXX from a seller name XXXX XXXX XXXX XXXX XXXX ) for {$950.00}. The seller described the tank for being for a XXXX XXXX monster XXXX after buying and sending it to the shop, the mechanic told me that the tank does not fit my bike and that it was wrong. i then told the seller who admitted to sending the wrong tank. they wanted me to mail the tank back to them which would be the equivalent to the tank price over seas. i refused as it was their mistake. i told chase bank that the seller wronged me and that it was their fault. i also had proof of the dispute. Chase bank closed by dispute simply by saying that the seller sent the product. they didn't take my evidence into account. I lost alot of money and i want it back. please help me. my chase claim number for this dispute is XXXX.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 my chase account was hacked and credited these amounts {$970.00}, {$460.00} {$170.00}, {$130.00}, {$120.00} ( XXXX ), {$100.00} ( XXXX ), On XX/XX/22 {$970.00}, {$83.00} ( XXXX ), On XX/XX/22 {$190.00} ( XXXX ), {$860.00}, {$150.00} ( XXXX ). On the same day XX/XX/22 a XXXX withdrawal of {$990.00}, {$600.00}, {$300.00} and {$500.00}. On XX/XX/22 XXXX XXXX of {$500.00}. I called Chase and made a complaint and Chase said my account was hacked and they will look into it. I believe this is an inside job because the hacker got into my account and turned off all my alerts off so I would not know what's going on. So I opened up another account with Chase and was told nothing will happen. On XX/XX/22 my new account at XXXX was put into negative for {$1400.00} and hours later took my direct deposit of {$970.00}. On XX/XX/22 now its negative & XXXX for the total of {$5000.00}. On XX/XX/22 my direct deposit went in so now its negative {$4000.00}. On XX/XX/22 I spent 4 hours at Chase trying to get help and I was told I will be stuck paying this back.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/2022 I sent an international wire transfer to mainland XXXX and requested the money be sent in USD. I've done this type of transactions several times from the same branch and never had a problem delivering the amount sent in USD to the receiver. Only this time, the transfer was sent around XXXX after the cutoff time for same day process. Now we know that when a transfer is sent after the XXXX XXXX it can't go out in USD, the banker that helped me didn't know that and advised me not to worry, when I questioned him about exchange rate that showed on the receipt he gave me. He said that's how it is on all international wire transfers, the system shows the receiver hometown currency. I took his word for it. Then when the receiver got the transfer it was short {$750.00} of the {$19000.00} I sent and was expected by the receiver. I went to the bank for clarification and couldn't get a direct answer, but the banker by calling around found out that the money was converted in XXXX XXXX dollars then back in US dollars because the transaction was processed after hour. This was a Chase to Chase transfer. They couldn't figure out nor decide how to either cancel and resubmit the order or credit me with {$750.00}. I ended up sending another transfer for {$750.00}, this time it was done right and the receive got the transfer in USD. I just want {$750.00} credited to my account.
Company Response:
State: CA
Zip: 94547
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Wednesday, XX/XX/XXXX, I contacted someone through XXXX about XXXX basketball tickets, 4 for {$200.00}. Somehow money was taken out of my Chase bank account through XXXX and sent to this person. Then, I never received tickets.
Company Response:
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, my family and I were at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, MD. We stopped there to buy lunch. My brother-in-law and step daughter ordered their food. My brother-in-law paid for his and my step daughter 's food with cash. When my partner and I ordered at the window, we started to order a dozen steamed crabs and another meal, but when I said, " how much are the crabs, '' the girl at the window ( a XXXX girl that had just started that day ) said the price. I turned to my partner and said, I don't think that we should pay that much for crabs, can we just order something different. My partner said yes. I had already handed my credit card to the girl and said, hold on, we are going to change our order. Did you already charge the card? She said, yes, and then turned to one of the other girls to try to figure out how to process a reversal on the card because I wanted to change the order. I changed our order to two less costly meals and my brother-in-law paid for those meals with cash. He handed me the {$75.00} cash and I handed it to her. I said to the girl, did you cancel the charge on my card? She said that she was working on it. When I checked my credit card statement, the charge for {$110.00} was on there. I disputed the charge with JP Morgan. I also emailed XXXX to tell them that they charged my card, and that they were supposed to have canceled the transaction because I changed my order and when I did, my brother-in-law stepped up and paid with cash. I never received an email back from XXXX, and I ultimately received a " We consider this disputed charge valid '' letter from JP Morgan. That letter was dated XX/XX/XXXX. The letter has a copy of the " closed check '' ( dated for a month later -- XX/XX/XXXX and with the wrong information on it ; it says dozen hard crabs for {$58.00}, corn {$8.00}, fries {$6.00}, fish tacos {$18.00}, 3 XXXX {$6.00} and 1 XXXX {$2.00} ; they were charging {$89.00} for the crab dozens that day ; that is why we told them we wanted to change to a less costly order and we changed to two shrimp and scallop orders instead ) and the " store copy '' of the credit card receipt ( dated XX/XX/XXXX ). The credit card receipt has a forged signature on it that is NOT mine. JP Morgan should know what my signature looks like. I have signed thousands and thousands of receipts for my JP Morgan Chase credit card. They should be able to recognize that the signature on the receipt is fraudulent. Also, whomever forged my signature on the receipt put a {$10.00} tip on the transaction. We ordered this food from a window and had to go sit down in the back of our car to eat it. I do not tip such big tips where a waitress is not involved. I do not generally tip when I order from a window either. I want this transaction refunded on my card, and I want JP Morgan Chase held liable for the fact that I tried to tell them that the transaction was supposed to be canceled since my brother-in-law paid with cash after I changed my order to a less costly order, and they didn't listen to me as their customer. Instead, they upheld a receipt that was fraudulently signed by someone other than me. Again, they should know after years of being their customer and thousands of transactions what my signature looks like, especially after I already submitted a complaint to them that the transaction was supposed to be canceled by the restaurant.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There is a game by XXXX called XXXX XXXX XXXXXXXX XXXX Within the app there were {$5100.00} worth of purchases made and none of them were made by me nor were they approved by me. When I filed a dispute with Chase on XXXX, Chase reversed the charges. On XXXX chase put the charges back on my account because the merchant had my email address so they deemed the charges as legitimate. I asked if it were possible my email was hacked and was told it was not likely. Chase then sent me from the fraud dept to dispute dept. The dispute dept told me since the charges were more than 60 days old. They could not do anything about it. I asked why fraud didn't send it to them to begin with instead of wasting my time. They did not have an answer for me nor were they interested in trying to help me from there. I was told even though I did not partake in the {$5100.00} in charges, I was responsible for them.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed and sent a total of {$4000.00} through XXXX ( {$1500.00} ) & XXXX ( {$2500.00} ) to a scammer who lead me to believe he was the owner of the house I wanted to rent. This happened in late XXXX of 2022. I called my bank to see if they could get the funds back since it was a scam and they said no. XXXX & XXXX were also no help in getting my money back. They investigated the scam and never got my money back or updated me on their findings. It would be great to get this money back. This person who scammed me created a receipt for my deposit as well as a lease for me to sign. It turned out that he did not own the house and had no right to lease it to anyone.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX were notified by one of our vendors that they did not receive a check for payment in the amount of {$1100.00}. Upon sending the vendor proof of payment from Chase billpay showing that the check was cashed, the vendor notified us that they did not receive the check, did not cash the check and the endorsement did not match their endorsement ( it was just a squiggly line ). I notified Chase bill pay that the check was fraudulently cashed. They opened a claim and gave a provisional credit. XXXX XXXXVisited a Chase branch and talked with our personal banker. He could not determine the paying bank and said it looked fishy. He could not get any information from Chase processing about the processing of the check except that it was through a clearing house. He also said that Chase should have never paid that check with the endorsement that was on the check. XXXX XXXXReversed the credit and deemed the check was properly cashed. I was informed by Chase that they did this since I did not turn the Declaration of Unauthorized Endorsement in within 10 days. I was still waiting on the payee to complete their part of the declaration. I was advised that once I faxed that in, the case would be reopened. XXXX XXXXFaxed the Declaration of Unauthorized Endorsement to Chase through a XXXX store XXXX The XXXX store gave confirmation that the fax was received. XXXX XXXXCalled to get update on this claim ( and put another claim for 2 more stolen checks ) and was informed that they never received the paperwork and I would need to refile the claim. It would take another 60-90 days. I was also told to take the paperwork into a branch and have them fax it from there. I was on vacation at this time, so I informed them I would do it when I got back home. XXXX XXXXEmailed our personal banker paperwork to file the claim. XXXX XXXXClaim was reopened by Chase. XXXX XXXXClaim was filed with XXXX XXXX XXXXXXXX ( did not receive this information until XXXX ) XXXX XXXX-Requested update-Personal banker updated that they were still working on the claim. XXXX XXXXRequested update-Personal banker undated that they were still working on the claim and it could take up to 90-120 days. XXXX XXXXContacted Chase customer service for an update. They informed me that case was active, but could not give me any more information on the the claim. I asked about the transaction and the other bank, but they told me they could not give me any information about their investigation. XXXX XXXXRequested update-Personal banker undated that they were still working on the claim and it could take up to 90-120 days. XXXX XXXXRequested update-Personal banker updated that they were waiting on the paying bank to respond to the claim and they had up to 120 days to respond. XXXX XXXXCalled Chase Claims department to get update on claim since it was past 120 days. I was informed that they were still waiting on the other bank to respond that nothing could be done until the other bank responded and there was no time frame to expect them to respond. They were not going to do anything until they received the money from the other bank. I was told it could be 6 months or more. The case was escalated and was told to expect an update within 1-2 business days. XXXX XXXX-Received a letter from Chase that they put a claim in on my behalf with the paying bank and were waiting on their response. It was the other bank 's responsibility to pay the claim. I could call Chase and get an update and the paying banks name if I wanted to contact them directly. This is the first written update I reaceive from them since XX/XX/27 XXXX XXXX called Chase to get the update and the name of the bank. I was again told that Chase was going to do nothing because my claim was with XXXX XXXX XXXXXXXX who paid the check. My options were told to wait until they responded or call XXXX XXXX XXXXXXXX directly. XXXX XXXX called XXXX XXXX XXXXXXXX and was told that I needed the claim number that XXXX XXXX XXXXXXXX provided Chase in order to look up the claim. Since we are not a XXXX XXXX XXXX customer they had no way to look up the information without a claim number. XXXX XXXX Called Chase to get the claim number provided by XXXX XXXX XXXX XXXX They were finally able to give me Chase 's claim number, but not XXXX XXXX XXXXXXXX 's claim number. I was told that the customer service team did not have access to that information and only the investigative team has access to that information. I was told that there was no one that is able to get that information from the investigative team and they do not interact with the public.
Company Response:
State: IN
Zip: 47203
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A