Date Received: 2022-11-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I'm sorry if this is long winded. All events happened in XX/XX/2021. I'm filling this out without all my documentation with me, but I can provide dates at a later time. So it all started when I ran out of checks and couldn't pay my rent. I went and bought two money orders one for {$1000.00} and the other for {$440.00}. I put my landlord 's name on them and gave them to him. A couple of days later, the super returned the money orders to me and explained that he couldn't deposit the money orders via his bank because they didn't accept mobile money order deposits. So he endorsed the money orders and gave them back to me. I have XXXX XXXX and I also am not able to deposit money orders on their mobile app. So I went to Chase Bank, who I have a credit card with, and opened a checking account using the money orders and additional cash that I have. I made sure to confirm that I would be able to deposit the money orders with the employee assisting me. About a week later I received an email stating that my new checking account was being closed due to suspected fraud. I went to a branch to figure out the issue and they said that due to a credit freeze that I had put on, due to a previous identity theft earlier in the year that the opening of the account was fraudulent. I replied that I had shown them three IDs while opening the account. They did not have a response. They then explained that the cash I had deposited will be mailed back to me, but that the money orders I had deposited would have to be claimed by the person whose name was on them and that they would have to come in with the ID and speak to bank staff. I speak to my landlord to convince him to go with me to the bank and he then explains to me that the name he goes by is not actually his name because he is an XXXX and his name is too confusing for Americans and that's why he goes by XXXX. I call Chase bank and try to explain to them that the situation and that the name on the money orders is for someone that does not exist. They are also not money orders anymore as they have been cashed by Chase. I've spoken on three or four different occasions and unable to find a resolution to this. I keep being told that the person who the money orders were originally made out to has to come in and speak to someone at a branch. But this person doesn't exist. It was even suggested I wait seven years when the money goes to unclaimed property. Is there anything you can do to help me?
Company Response:
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was minding my own business, studying in the library at my college last Thursday, XX/XX/XXXX, when I get an email from Chase at XXXX pm saying, " We sent your wire transfer. '' I was surprised by this because I had never sent a wire transfer nor even set up the service that allows you to do so. I logged onto my banking app to make sure this was legitimate and saw that there had, in fact, been a {$900.00} transfer from my savings to my checkings and then a wire transfer from my checkings of {$630.00} ( with a fee of {$40.00} ). I find out that the wire template had been activated on my account an hour prior with Chase 's secure message center reading, " You are now able to send a wire transfer to XXXX XXXX. '' I panicked and called Chase immediately. When connected, I was asked a series of questions asking. I admitted only to using public wifi. I had never willingly given out my banking information to anyone besides my parents. They proceeded to freeze my account and promised to call me back the following week. I received no correspondence and decided to follow back on Wednesday, XX/XX/XXXX. I was told then that during their investigation, Chase found no evidence of fraud since the transfer was completed using no unrecognized devices and was at my same IP address. I kept trying to appeal, providing them with more information like my login history, that my computer may have had malware on it that compromised my online information, and they kept redirecting me to other departments and ignoring my plea. I didn't know what to do but go to an outside party to intervene.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2022 I applied for a conventional 30-year fixed mortgage with Chase for the purchase of a new primary residence. I submitted the requested documentation on XX/XX/2022. For context, XXXX XXXX XXXX XXXX XXXX XXXX income is treated differently than traditional wages. I am paid a gross salary. Among other things, my taxable income is reduced by a designated housing allowance ( i.e., the housing allowance is not additional income but a reduction in my taxable income. It's a tax break permitted by the IRS ). I was pre-approved. Then, conditionally approved based on the condition that I provided a closing disclosure for the sale of our primary residence at the time. Unfortunately, the timing of the sale of our house and the purchase of a future home did not line up and we had to sell our existing home on XX/XX/2022 with a contract date on the home we were purchasing of XX/XX/2022. Several times throughout the underwriting process and just prior to the sale of our home I was told by Chase that everything looked good on the mortgage and we should be getting approval soon. I even offered to payoff some existing debts with the proceeds from the sale of our home to reduce our DTI ratio and was told that was not necessary, that everything looked good even carrying those debts. With being encouraged by Chase all along the way that approval was inevitable, we sold our house on XX/XX/XXXX and moved our family of XXXX ( me, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) into a bedroom at a friends house to live for the two weeks until settlement. On XX/XX/2022, out of nowhere, I was told by my loan processor ( by email ) the loan would likely be denied because Chase can not consider my housing allowance as income. Which I disagree with, but can understand. This is what I can not understand : I gave them all of the documentation they needed ( pay stubs, housing allowance worksheet, compensation agreement, etc. ) on XX/XX/2022. This issue should have been realized by their underwriting team well before XX/XX/2022, five days after I sold my house. It could have easily been identified as a problem by the end of XXXX and well before I sold my house. BUT I SOLD MY HOUSE. They led us on, telling us numerous times that we were headed to approval. Now my family has to back out of the contract with no where to go. My family is paying for the mistakes of Chase and their underwriting team. What happened is at best unethical and negligent.
Company Response:
State: MD
Zip: 21601
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 I scheduled a payment of {$540.00} to JP Morgan Chase Bank for a payment to my auto loan. My Chase Loan number is XXXX. On XX/XX/2022, {$2300.00} was debited from my check account with XXXX XXXX XXXX XXXX. I called Chase and spoke to a representative. I explained to him ( XXXX ) that I did not authorize {$2300.00} to be debited from my account, but that I did authorize {$540.00} to be debited. He told me that in order for him to get this reversed, he would have to transfer me to a manager. He transferred me to a manager ( XXXX ) who reviewed my account and told me that my account is now in good standing and that most of the payment was applied to the principal and he would not reverse the payment.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As of XX/XX/22, JPMCB is reporting 30 days past due. In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: After finally being able to regain access to my Chase account, I realized there were fraudulent transactions on my checking account totaling over {$2300.00}, starting XX/XX/XXXX and ending XX/XX/XXXX. I was physically unable to access or monitor my account, or receive statements from this company from XX/XX/XXXX to XX/XX/XXXX. I sent a letter to Chase Bank in XX/XX/XXXX suspecting fraud and asking to suspend the account, which was never acknowledged. I was finally able to file a fraud claim on this account in XX/XX/XXXX. Chase asked for documents to support my claim, which I then mailed and faxed. The claim was denied, I was told, due to the fact that the copies were illegible. I then resubmitted clearer copies, which were verified readable by Chase customer service representatives. One escalation representative agreed that this was a case of fraud, and resubmitted my claim. The claim was again denied, but this time due to time limitations. At each step of this process, through multiple phone calls, I was given different reasons why this claim was denied, varying from illegible documentation, a 30 day limit, 60 day limit, 120 day limit, and finally a 2 year limit. One claim representative recommended I take my claim up with the 3rd party that my funds were wired through ( XXXX, XXXX XXXX XXXX XXXX, and another representative told me it was my fault that my funds were accessed without my permission.
Company Response:
State: MO
Zip: 63901
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for Amazon credit card provided by chase bank on XX/XX/2022. They rejected my application initially due to lack of supporting documents which I was asked to fax them on the follow up call. After a number of call exchanges and a number of rejections sent my way I was send a card issued on my name by the end of XXXX, XXXX. But to my surprise, there was a XXXX hard hit on my credit report for the same card which I was never informed about nor I consented for. Upon receiving my card I did ask them about the XXXX hit and they said it is normal procedure and it is correct. They did ask me to call the reporting agency instead i.e. XXXX. The second hit was dated XX/XX/2022 which was the date of my first follow up call. But on that call the representative never asked for my consent to make another hard enquiry nor informed me about it.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was a victim of fraud and I went to my bank to dispute the charges and they declined my dispute.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is not a duplicate complaint. Chase Bank is unfairly denying fraudulent activity that I have proven with at least 4 or 5 other agencies that verify that the contracts were voided and there were multiple fraudulent charges. XXXX does not know the tort laws. XXXX aided and abetted an enforced disappearance of an internationally protected person. The Tires plus transactions are fraudulent and they violated the terms of the agreement. It is not a matter for small claims. Theyre extorting an internationally protected person. They dont understand that theyre imposing sanctions against the United States government for not being compliant. Theres over 30 pages proving fraud. 4 or 5 independent agencies including the FTC. The UCC and the FTC state that I dont need to take it to small claims. Small claims is an abuse of the legal process because they are responsible for trafficking related offenses, debt bondage, and peonage. Theres also a limit on the amount that you can take to small claims.
Company Response:
State: IA
Zip: 507XX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, i saw i had a pending transaction for {$100.00} from a company called XXXX. Never heard of them. so I called chase they cancel the payment and i submitted in a claim. On XX/XX/2022 they revered it and charged my account. they said XXXX submitted in a form with my name and address and a tracking number.. They were going to send me a copy. On XX/XX/XXXX I called back and got the tracking number, the picture of the delivery is not my house, so I called XXXX, they couldnt give me the name on that package nor the address but they did verify that it wasnt my name or my address. I called chase and they didnt care. I went into the office and had XXXX on speaker phone and they said nope that doesnt work. They said I need a letter from XXXXXXXX stating that tracking number does not match my name and address. I called XXXX for over 3 hours and i couldnt get a letter because my name is not associated with the package. I called back chase, they refuse to call XXXX or even on three way. They closed the claim and wont reopen until i give them evidence. I even asked if i send pictures of the house it was deliver to and mine to show they are not the same. They still refuse. I have tried calling XXXX at XXXX i have been calling every day this week no answer or a cb. please help me. i am a XXXX mom and this is alot of money for me. tracking number is XXXX XXXX
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A