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: Unauthorized charges were made to my credit card on the following dates : XX/XX/2022 {$250.00} XXXX XX/XX/2022 {$100.00} XXXX XX/XX/2022 {$430.00} XXXX XXXX XXXX XXXX, XXXX My bank conducted an investigation and declined my dispute by saying that I received benefits from these transactions and asked for proof/documents for the transactions that I didn't make.
Company Response:
State: NY
Zip: 10016
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 using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I contacted my financial institution about unauthorized charges on my account. These charges were piling up unbeknownst to me because the form of payment I use most frequently is XXXX XXXX, so I did not realize my debit card had been stolen/missing. After contacting my bank about this issue, they initially were helpful and reversed all unauthorized charges to my account and a new card was issued to my account. After sometime I resume using account as usual thinking the situation had been resolved only to login to my account weeks later and find every charge initially credited to my account debited again WITH multiple nsf fees. This caused my account to be overdraft by hundreds of dollars, and has put me in an extremely uncomfortable position financially as I am a XXXX unable to makeup for what Chase took from me. When I called them about this issue the only explanation they could give me was that they reversed their decision because of geographical similarities in the unauthorized purchases and my regular purchases. This is not a significant enough reason to decline a fraud claim. I informed them it was very likely my card information was stolen by someone very close to me/in my area. I do not have a history of fraud claims or suspicious activity on my account. In fact, i have NEVER submitted a fraud claim before, and the fact that this was the " resolution '' they could offer me is unacceptable because not only did the bank NOT provide any help of significance to rectify my account, they actually made my financial situation worse. A police report has been filed and am seeking a PROPER reimbursement of all unauthorized charges and NSF fees from Chase.
Company Response:
State: GA
Zip: XXXXX
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: I had automated monthly payments for parking rent paid through XXXX. These payments started XX/XX/XXXX and had no issues. On XX/XX/XXXX the pament was not accepted. The payment also expired on XX/XX/XXXX. However, on XX/XX/XXXX the payment was accepted. On XX/XX/XXXX I was informed by My payee they did not receive it. on XX/XX/XXXX I called chase bank to file a complaint. According to a chase bank representative, the registration of the phone number associated with this account changed. Someone changed the phone number to being registered with a different account so even though the funds were sent to the same place, they were diverted to a different account. I was then transferred to a different representative to file a claim in a process that left me on the phone for 39 minutes without a resolution. I was not tricked into sending money to someone I didn't know. This was an automatic monthyl payment, and someone switched the registration of the account associated with the number in order to steal the funds.
Company Response:
State: IL
Zip: 60607
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: Deposits and withdrawals
Consumer Complaint: There was a fraudulent {$300.00} XXXX payment from my account which I described to Chase this afternoon, and the agent asked several questions but said the reversal was not guaranteed. I explained it was a fraudulent scam but the agent said again not guaranteed even when I said this money I can not afford to lose and gave the explanation that even XXXX company said the recipient of money was a fraudulent party.
Company Response:
State: NY
Zip: 10956
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: Fraud or scam
Subissue:
Consumer Complaint: I am a XXXX XXXX XXXX Veteran with several XXXX, My Wife is a XXXX XXXX XXXXr. Our house was heavily damaged from Hurricane Ida. We are still doing repairs to our house. We had some Money in our account for these repairs from XXXX XXXX XXXX XXXX. I was contacted by an Male who stated by E-mails, Text Messages and Phone Call that he was from JP Morgan Chase Bank Fraud Department. I told him i didn't know him from XXXX to XXXX because he called me and that if he was a Real Chase Bank Employee. This Man gave me more information about my account than that of which i knew. He Stopped Two Transfers and the Last on was for {$18000.00} USD and i could not stop this one so he tried to walk me through it ... I then changed my Username and Password and hung up on him to get chase to stop this transaction and put a hold on my account until which time i could better secure this account or start another account. They advised they could not stop it and restricted my account on XX/XX/2022 with in five minutes of the transaction appearing on my account. After contacting Chase Branch Manager and Fraud Dept Supervisor they advised i told the teller i gave him the code on a recorded line. They Declined my claim and would not take an appeal. I can not afford on XXXX pay to finish the repairs and we were now in a bind. I don't know what else to do, i am very scared and i am about to give up. I filed a Police Report the same day, this is wrong.. i didn't know what to do, i didn't intentionally give anyone information on my account to scam the bank. Please Help Me, I have already been taken advantage by several contractors since the storm and now i have to try and finish the repairs myself, I have XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turn XXXX this saturday and my wife is XXXX XXXX XXXX XXXX of 37 years.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, my homeowners insurance paid out of my mortgage escrow account in the amount of {$2100.00}. Shortly thereafter, my underwriter ( XXXX XXXX XXXXXXXX ) informed me that my payment was overdue and that the policy was going to be cancelled. I reached out to them ( the underwriter ) and told them I saw the payment leaving my account for that policy, but they claimed they never received the check. I first contacted Chase bank to clear this up in mid to late XXXX. The underwriter requested documentation of the bulk check they had paid along with all the policies paid on that particular check, including my own. Since then, I have followed up with Chase not fewer than 5 times and my insurer has still not received any documentation from the bank proving that they paid the policy. I have had to pay out of pocket to keep my home insured while over {$2000.00} from my escrow account goes unaccounted for. Chase insists they have faxed this information to my insurer several times. The insurer received no such fax, and has received numerous other faxes during this period ( indicating their lines are functioning ) and has confirmed the number that Chase should be using several times. Chase also promised to mail me a hard-copy in the event that the faxes continue to fail. I never received said hard-copy. I have no idea whether Chase or my insurer is at fault for this payment initially being missed, but Chase has shown no urgency to help resolve this situation and has left me having to pay double for this policy.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for a Chase Sapphire XXXX credit card in XXXX. In XXXX, I received a notice that an annual fee would be due on XX/XX/XXXX, although I never received a credit card or any notification that my request for credit was approved. I called Chase Sapphire XXXX. The representative stated that she was able to see that the card was returned. I asked why I had not been notified that my request for a card was approved and, more importantly, that you have the credit card and the expected date I could receive the card to begin using the card. I expressed my concern with payment due in less than a month, on XX/XX/XXXX, for a card that I did not have possession of and was unable to use. The Representative stated that a request would be submitted to refund the equivalent of a month of the annual fee, considering that I did not have access to the card until XX/XX/XXXX. It would not be fair to the consumer to owe and be required to make an annual fee payment on XX/XX/XXXX, for a card received on XX/XX/XXXX. Chase Sapphire did not contact me after receiving the returned card. They were aware of this error in XXXX. This is a Chase Sapphire error. I received a letter that Chase Sapphire has decided not to make this error right. The refund for {$7.00} was denied. I am paying a {$99.00} annual fee for less than 12 months of benefits for the use of this card. I also asked if the annual fee date could be shifted to one month to be due on XX/XX/XXXX.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX contact me requesting money for XXXX XXXX and XXXX to put in a XXXXXXXX XXXX account that was an error. I went to my bank CHASE to informed that was fraudulent activity error in the accounts and they just stated the money was already cash in XXXX and they did not help me I contact XXXX back and they said the same I need to go to CHASE to find resolution and they say they can not recall the wire transfer due was already cash only accepted after 30 minutes cancelation.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Problem : Two fraudulent charges were made on my Chase credit card. Sequence of events : XXXX XX/XX/2022 at XXXX XXXX I received a text message from Chase Fraud stating that they declined a charge of {$1600.00} from a vendor called XXXX XXXX. Was this you? Reply YES or NO. I responded to this text on Sunday XX/XX/2022 at XXXX XXXX with an immediate NO. I then immediately logged into our Chase mobile app and noticed another charge by the same vendor, of {$1600.00} which Chase allowed. I called the credit card company at XXXXXXXX XXXX on Sunday XXXX XXXX to notify them that both charges were fraud, and that I had nothing to do with either transaction. Chase directed me to cut my current credit cards up while they closed my cards. I was told the fraud department was going to investigate while new cards were being mailed out. The charge of {$1600.00} was removed ( temporarily ) from my credit card balance shortly after the XXXX, while the fraud department was investigating. It was not until Wednesday XX/XX/XXXX that the charge of {$1600.00} re-appeared on my mobile credit card balance. I immediately contacted Chase to find out why this fraudulent charge reappeared on my credit card balance. After talking with several Chase employees on the XXXX around XXXXXXXX XXXX, I was transferred to the proper department within there organization, the Fraud Department. Well it was then that I found out that their specific division closed for the night at XXXX XXXX I started looking through my mobile app and noticed a message regarding the fraud investigation just landed in my file. The outcome from the fraud department stated that I was responsible for the {$1600.00} charge, and came up with the " reason '' was that " I received benefit from this transaction ''. I became instantly upset for obvious reasons, I did not make either of those charges. I reported it immediately, and was not instructed that anything else needed to be done. On Thursday XX/XX/XXXX at XXXXXXXX XXXX ( XXXX XXXX ) I called the Fraud Department. The employee ( XXXX XXXX answered the phone to assist me with my concern. I explained to XXXX that I properly reported the fraud charges ( charges in which Chase brought to my attention via text initially!! ) When asked why Chase thought that I benefited from the transaction the exact response was " well they ( XXXX XXXX ) had your home address and email address, so it must have been you that placed the order ''. Really .... this does not prove anything... they obviously hacked into the Chase system. I have never done business with this company, and I've been a loyal customer of Chase ( checking account ) for over 15 years. I was shocked that this response by the fraudulent vendor was enough to accuse there loyal customer ( myself ) from creating a false claim. Again, a claim that they initially noticed ..... The call on Thursday XX/XX/XXXX ended with XXXX re-opening the case, however no outcomes were resolved during this conversation. At this point I have zero confidence that Chase will come to the correct resolution.
Company Response:
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I XXXX XXXX was approved for an Amazon chase credit card on XX/XX/22. On XX/XX/22 I found out my card was closed, once I called chase bank to find out the reason why I was told by account manager XXXX my account was closed so to many recent inquiries on my credit report. I explained to XXXX those inquiries was not made by me and have been dealing with identity theft. I was not treated like a valuable client I was instead basically told thats my problem to deal with. The whole situation of closing my account just seem like a XXXX matter chase decided to do. A person account should not be closed almost a month later after going through all the necessary channels to get approve then being told account is closed down from something that has happen after getting the card and on top of that matter being closed for something I did not do
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A