Date Received: 2022-11-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I got a call from XXXX for a unknown transaction. They were able to access my phone and bank records without me giving any information to them. The guy on the phone told me that he will go into my account and fix it bc he said someone was trying to hack my account. I never gave them access. If fact he was the real hacker and when I opened the online banking I saw he had already done 2 big transactions with value XXXX and XXXX, without my consent. I called them back to ask what was going on and he said the money will be back on XXXX. The next day I went to the bank and they took my declaration and said the bank will trace your money and bring it back to you. But its been exactly a month and nothing has changed. The bank is declining my claim, saying i was the one that gave them the information, where in fact they already had everything and accessed my online banking without me touching any button. My bank account was hacked and the money which is supposed to be safe there is deducted and all they're saying is that this is my fault. I lost all this money. Im begging you to help me get my money back as the bank did nothing to help. We are supposed to be protected by the bank.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2022, JP MORGAN CHASE BK DBA CHASE Auto committed aggravated identity theft by misusing the social security number provided, furnishing a deceptive contract and attempting to extort additional funds out of the consumer for JP MORGAN CHASE BK 's personal benefit. The consumer was coerced to sign a contract that fraudulently forced them to relinquish their rights and security interest. On XX/XX/2022, they illegally stole property from my place of residence, and present day, is using the property they stole to blackmail me. This came after the right of rescission was exercised on XX/XX/2022, and also resubmitted again on XX/XX/2022 via fax and certified mail. Though the deceitful contract was originally signed, it was signed at a time without proper knowledge of the correct legalese, nor was an attorney present to be of positive representation on behalf of beneficiary. JP MORGAN CHASE BKXXXX XXXX XXXX XXXX knowingly withheld imperative forms and documents which disclosed rights available to the consumer/beneficiary, that was to be furnished at the time of the contract being signed. All of which caused great anguish to the natural woman, and the company to perform unlawful embezzlement. Violations : 15 USC 1605 15 USC 1635 / 12 CFR Part 1026.15 18 U.S. Code 1028 18 U.S. Code 1028A
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Notice of pending litigation seeking relief and monetary damages under FCRA Section 616 & Section 617 please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting Act regarding your refusal to delete unverified information from my consumer file.I intended to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately.a copy of this letter as well as copies of the three written letter sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Company Response:
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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 used my Chase Southwest credit card account ending in XXXX to purchase three airline tickets and a lap seat to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX using the website XXXX XXXX XXXX XXXX I received an itinerary/receipt to my email, XXXX, from XXXX ( not XXXX XXXX XXXX ) for the airline tickets that I purchased using my Chase card ( see attached ). There were a few red flags from the very beginning but didnt think much of it right away. The first problem was I made one reservation with the wrong last name. When I called back to see what I had to do XXXX from the ticket company said he would fix it right away no problem. This was all done on the same so not much time in between had passed. I received an email with with our names confirmed along with airline and ticket numbers. On XX/XX/XXXX, my XXXX and I decided to travel without our children to the destination. I called XXXX XXXX XXXX on the same date to cancel our XXXX XXXX seat as well as our XXXX XXXX XXXX XXXX. The company said that it would cost {$170.00} per person to cancel their flights ( including the XXXX XXXX seat ticket which was a free ticket to begin with ). I reviewed the available information on the website and it stated that it was {$40.00} to cancel a flight. This was our second red flag. Do I told them to not cancel our tickets yet, I would call back to further discuss options. Continuing on the same date ( XX/XX/XXXX ), my XXXX and I both spoke to XXXX at XXXX XXXX XXXX regarding cancellation of the tickets. He said the fee was due to the airline, XXXX, charging that dollar amount and not his company. We learned this was false during my online chat with XXXX. Continuing on the same date, I initiated a chat with XXXX XXXX regarding XXXX ( and/or XXXX ) Reservation # XXXX. XXXX did not locate any reservation using the reservation number, our names, our phone numbers or any other Personal Identifiable Information ( PII ). The XXXX representative stated that they would still be able to locate the tickets even though we used a third party to purchase the tickets. This was a huge red flag. We had no valid tickets with the airline company. Over the next few days, we conducted some XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX. We also searched the flight numbers and they were not valid flight numbers with XXXX. Most of the customer reviews said the company was a scam and to not use them. The ones that were defrauded stated that the company cancelled their " flights '' the day of or before their departure date and then the victims ( customer ) would be left scrambling for a last-minute flight. The company would then state that they could assist in rebooking a new ticket but it would cost another large fee plus the cost of the tickets. This was starting to sound like our situation and we didn't want to fall victim to this scheme. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or around the week of XX/XX/XXXX, I called Chase to report the above activity. I spoke with someone in the Fraud Department. I relayed all the pertinent information to this representative. They refunded me the {$2000.00}, canceled my current card, and sent me a new card due to the fraudulent activity. On XX/XX/XXXX, I noticed the charge back in my account as Chase investigated and found there was no fraudulent charges. Then, I called Chase and spoke to someone who advised me to go into my Chase account and submit a dispute rather than a fraudulent charge for {$2000.00} to Chase Bank Card Services. On XX/XX/XXXX, I reviewed a letter I received from Card Services stating the charges stand and will remain on my account. XXXX a supervisor at Chase Executive office accepted my phone call and told me that they investigated and because I gave this company my credit card number it was valid and they refuse to help me. This dispute should be valid due to us never receiving a product.We have no tickets, have never received any tickets or vouchers. I contacted XXXX again regarding XXXX statement that they investigated and again, XXXX had no record of tickets or payments from a company coming into them to reserve our tickets. XXXX from chase suggested I call the company myself again and try to resolve. I had my husband make the calls. It was the same XXXX and he said the only way he could help us more was if we did a reversal of dispute through the bank and he wasnt making much sense on his end at all. This company has been lying and Chase is letting them treat and get away with fraud with a long time customer. XXXX XXXX XXXX is a fraudulent company that needs to be addressed as they have victimized several US customers. Chase Credit card services should be doing better to protect their loyal customers.
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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, we rented a XXXX in XXXX and paid cash for the day rental. My Chase Card was held for any incidentals.What we hoped to be a day of fun turned into a nightmare on vacation. We were provided with a rusted XXXX with low air in the tires and bad brakes. This company scammed us out of {$4000.00} after we returned the XXXX claiming countless items of damage. 1 ) Yes, we signed the agreement, however the agreement stated that we have reviewed the price list. No price list was provided and when we asked about it, they said they don't even have a price list. 2 ) The XXXX was rusted through - shown in the photos. This rust can't and isn't caused by us. The damaged cage was already rusted and broken by the time we received it. 3 ) The XXXX team sent a bodyguard to force us to sign the {$4000.00} credit card slip. In a XXXX XXXX we determined it was safer to sign then to involve the police. We figured Chase would take care of us in these situations. The company ignored our requests for pictures/videos/receipts of the damage after we were told they were going to send it. A picture of the text messages is attached. The cherry on top is we overpaid in cash and I was told they were going to give us cash, they took our {$20.00} cash too. -- My complaint to chase is the dispute was closed without our side. The contract stated we reviewed the price list but not only were we not provided with it, the charges indicated are predatory. Some help here with a credit card company that I've depended on for years would be helpful.
Company Response:
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was suppose to close on XX/XX/2022, but on XX/XX/XXXX around XXXX, a representative from Morgan Chase Bank, which I was using do finance a mortgage loan, calls me and tells me that the monthly amount was going to be around {$500.00} more. I asked why, they said because they estimated the taxes wrong. They applied the amount the seller had been paying and that I would have to pay more on taxes because I didnt qualify for the deductions the seller qualified for. I asked them, well, arent you guys working and analyzing numbers for me? And why did this change come up the day before I was supposed to close? I called the title company and asked when the tax information was sent to Chase Bank, they said it was sent to them on the XXXXXXXX XXXX XXXXXXXX. I told Chase bank that this change in payment made it not possible for me to purchase the home and that they should have told me this change in monthly payment way before XX/XX/XXXX, the day before closing, and I could of backed out of the deal and kept my earnest money. I have been trying to work on a solution with Chase bank since XX/XX/XXXX until today, XX/XX/XXXX. Today finally someone from their escalation team called me back and told me they apologized from them dropping the ball on the tax amount but they would not make me whole in my earnest, good faith money I lost on the deal. Its was their fault, they admitted to it and they dont want to repay me the money I lost trying to buy this house. I think its unfair, unprofessional, and them hiding behind supervisors and not facing their mistakes and do the correct thing and repay what I lost. Its not big deal for them because its not their money but it is for me. Its embarrassing, humiliating and disheartening having to tell people, oh no Im sorry, I cant get the home after all, I cant afford it, when its not even me the person who miscalculated the payment amount. Chase Bank should not be doing mortgage loans if they dont know how to add or subtract.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX an individual went into a local Chase branch using a fake ID and the incorrect name and withdrew my remaining funds of {$2400.00} and closed my checking and savings account. In XX/XX/XXXX I contacted Chase to update my name due to being recently married and was then made aware that the account had been closed and my money withdrawn. Chase has refused to investigate due to my reporting the fraud after 60 days. But the policy states that I have 60 days to report it after receiving the most recent statement/closure letter. The bank provided the thief with the closure letter, not me. They say they mailed a closure letter to me but I did not receive it and neither the bank manager nor the Executive office can reproduce that letter or prove it was actually sent to me. Which means the 60 day policy is void. I should not be responsible for their mistakes. I can not report something I am not made aware of. As a business and financial institution they need to be held accountable and reimburse me of my stolen funds.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I used the XXXX feature on my chase app. I made a purchase through XXXXXXXX and the merchant did not keep their end of the bargain and scammed me out of my money. I reached out to chase regarding getting my money back but they say they have no control over the issue. And cant unfortunately give me my money back. I made the purchase via XXXX on the chase app on XX/XX/22. The transaction amount was {$140.00}. Chase has connected me to multiple people and none can help me. They state that the money had already be credited to the other persons account and can not reverse the transaction.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I pay {$550.00} annually for a Chase XXXX XXXX credit card. In XXXX of XXXX, I experienced a 3-day weather-related travel delay. My credit card advertises coverage for such delays, with support from the third party XXXX I called Chase 's customer service line immediately when the delay occurred, to confirm which charges would qualify under their travel reimbursement policy. I was told that they would reimburse up to {$500.00} per traveler, including me as the cardholder and my travel companion, regardless of the nature of our relationship ( our relationship is platonic ). During the three days of delay, we incurred essential costs of approximately {$1100.00} USD ( {$600.00} for lodging, {$410.00} for food and {$58.00} for local travel ). We returned home on XX/XX/XXXX. On XX/XX/XXXX, I submitted receipts to the XXXX line and filed a claim for the maximum amount of {$1000.00} for two travelers. Over the course of the past seven months, I have experienced various challenges collecting my reimbursement : 1 ) I have followed up with the XXXX by phone and email multiple times to check the status of my claim- each time, I've reached a different claims examiner and have re-explained my claim ; 2 ) The various examiners have provided inconsistent information on the requirements of their travel companion policy ; initially I was told that my travel companion could be a friend, then I was told that they must be a roommate, then I was told they must be a spouse or child ; 3 ) multiple times, examiners assured me they would investigate the information I was provided at the time of the delay ( they record all calls ), but they never communicated back about any progress or findings ; 4 ) I was told that any charges for food could be verified through my credit card statement and would not require copies of paper receipts, yet I received multiple email requests for food receipts. When I submitted the food receipts, they requested clearer copies, citing that as the reason for the delay of my reimbursement. Ultimately, I suggested that they could reimburse me for whatever amount they wanted. Today I checked my account and found that my account has been closed, with {$0.00} of reimbursement for my claim and no notification to me. When I called their customer service line, I was told that the claim was closed by accident. They offered to re-open my claim but again told me that I must re-submit clearer food receipts. I informed the claim examiner that I planned to file a report with the XXXX XXXX XXXX, and she offered to reimburse me {$500.00} ( half of my claim ). I asked for a copy of the record of my emails and calls with their company so I could include it in my report, and asked to be transferred to someone who could take my feedback about the customer experience. My call was dropped. When I called back, I was told that nobody was available to receive a complaint today. They offered to take my number and have someone call me next Monday, which I declined. I want to raise this for your awareness, because I don't want anyone else to be subjected to the same treatment and delays for benefits that they paid for through their credit card. I saw online that this company wears down customers with never-ending requests and delays so that they become so fatigued and eventually drop their claims. If this is true, they should be held accountable. I know that there are many people who would not have the time or resources to follow up as much as I have, and who may be in greater financial trouble if they do not receive a timely reimbursement. I contacted Chase XXXX customer service today and spoke with XXXX. He did not offer to take any follow-up action or compensate me for the annual fee, even though I wasnt able to utilize the benefits as advertised. I have paid for this card from XXXX through XXXX of XXXX. If I cancel the card now, Chase will not reimburse even partial fees. I know that XXXX has created a massive backlog in claims due to travel disruptions. I believe I have been reasonable, patient, and sympathetic for seven months, but this has been a growing source of stress. To be fair, every XXXX employee I spoke with has been polite and apologetic- but they all assured me they would resolve the matter and it still has never happened.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX. XXXX companies ran my credit without my authorization. XXXX XXXX XXXX JPMCB AUTO FINANCE XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per XXXX XXXX XXXX XXXX. XXXX XXXX XXXX of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. In accordance with the fair credit Reporting act XXXX this company has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A