Date Received: 2022-11-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I recently became a victim of wire transfer fraud. On XX/XX/22 at XXXX, I was called by the chase bank phone number XXXX and was told that there was a fraudulent wire transfer happening on my account as we speak. They asked me to verify my account information and they pointed out that the number they were calling from was the chase phone number and that I should check the back of my debit card to compare phone numbers, which I did. I verified my account info with them and the phone call kept cutting out and hanging up and calling me back from the same chase number multiple times saying that it was my phone cutting out. The chase number kept me on the line for quite a while verifying my information via text. I was told to check my account balance in XXXX minutes and that my balance should be the same as before. I waited XXXX minutes and checked my balance to find out my savings account was completely drained. I called Chase to find out that it was not actually Chase that called me about the fraudulent activity on my account. At this point I realize that the person that called me were actually the ones that committed this fraud and transferred my money to the criminals. There was {$26000.00} transferred from my savings account into my checking account then from my checking account there were XXXX fraudulent wire transfers made to XXXX XXXX and XXXX XXXX for {$10000.00} each, for a total of {$20000.00}. So there was a total of {$20000.00} stolen from me. Chase even charged me {$25.00} twice for the fraudulent wire transfer fees. I have been given the run around from Chase since this fraudulent transfer happened on XXXX. I put in the fraud claim on the same day the fraud happened, within an hour of the fraudulent wire transfer happening. The Chase XXXX XXXX department told me they would send me an affidavit that I would have to sign to continue this investigation. To this day Chase never sent me this affidavit. I ended up going into a branch on XXXX and calling the claims department from the Chase branch and asking them what exact forms to fill out to get this investigation to move forward. Then I find out Chase didn't even begin the recall on the fraudulent wire transfer till 6 days later. I reported the fraud on XXXX and they didn't even try to stop the wire transfer or recall the fraudulent wire transfer till XXXX, 6 days later which I find shocking. Chase just let the fraudulent wire transfer happen even though I filed a claim within an hour of the fraudulent wire transfer. Chase did give me the bank accounts, recipient 's name, routing number, last XXXX digits of the account these funds were fraudulently transferred to. Chase is denying that this is a fraud and they denied my claim. They just keep giving me different numbers to call which in the end turn out to be no help at all. I filed a complaint with the FBI on the ic3.gov website in which I detailed the incident. I filed a police report as well with the XXXX XXXX police department. After doing a bit of research online I think we are protected by federal law under the Electronic Funds Transfers Act when a fraud like this happens and by federal law the bank is required to reimburse us the funds that were fraudulently transferred. Please help me recover my money. I need help to give Chase bank a bit of a push on doing what is right and reimbursing my money in accordance with the EFTA federal law. I also took screenshots of the timeframe and date of the calls made to me from the chase bank phone number when the fraud happened. I also have copies of my FBI filing on this case and whatever you guys need for me to do to help me recover my money. I will attach the screenshots of the phone calls made to me by the chase phone number which shows the date and time frame of the calls. I will also attach a copy of the FBI complaint I filed on the IC3.gov website. I will also attach a copy of the business card of the XXXX that took the police report along with the police report number. Please help me.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 my wife and I received an email from XXXX ( a hacked email address ) from XXXX XXXX email. While my wife and I were communicating with XXXX XXXX agent on the closing cost on a house in XXXX XXXX XXXX the address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX We were instructed to send a wire transfer ( {$48000.00} ) to a JPMorgan Chase Bank Account XXXX with Routing Number XXXX which we ended up doing believing that we are communicating with the right people. Finally on the day of the closing which was XX/XX/2022, XXXX XXXX reached out through our agency and requested the wire transfer document which I brought to their office and they discovered that the account number wasnt thier own. Also they discovered that there email address has been hacked into and the fraudsters were using a similar email address just like theirs and only changing the dot com to dot cam. That was when we realized that we were scammed and immediately called the Police, FBI and informed the XXXX XXXX XXXX. I was instructed to file a fraud complain with the XXXX XXXXXXXX XXXX which I did and also filed an ic3.gov through the FBI website. I have been calling and following up with XXXX XXXXXXXX XXXX and after my call today which is XX/XX/2022 I was instructed by the Account Manager to file a complain with Federal Trade Commission office too. Please I will am seeking your help in recovering back my money and my family has been through difficult times during this period.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
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/22 I recieved a text/email from Chase regarding a potential fraud charge to my card. This charge was a XXXX XXXX XXXX XXXX for {$340.00}. I told them that day it was NOT me and they " closed my card and sent me a new one. '' Later on I kept checking my card in the app, making sure transactions are all mine. A charge on XX/XX/22 appeared titled XXXX XXXX XXXX XXXX XXXX FL for {$140.00}. I am located in Wisconsin, I have not been to Florida any time in the past XXXX plus years, nor have I had any charges form XXXX, I've never even given them my card. I called multiple times to Chase telling them about this fraud charge, both times because I didn't see it off my app feed or reimbursed. I was told " it's not on your statement, your fine. '' Today XX/XX/22 I check my statement and see the XXXX XXXX XXXXXXXX XXXX XXXX FL for {$140.00} charge on my statement. I contact Chase and am told this is a re-bill from the investigation and that I need to speak with them regarding it. Chase has not once through this process helped me recoup my stolen money. I have lost faith in them to safely guard my money.
Company Response:
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
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: I was alerted by Visa that XXXX charges were made to my Visa card XXXX XXXX XXXX XXXX in the amounts of {$1600.00} and {$13000.00} XXXX the XXXX XXXX ( XXXX ) XXXX XXXX the XXXX XXXX XXXX XXXX, WA on XX/XX/XXXX. I have never been to that store, I have never purchased ANYTHING from XXXX, and the card in question was still in my possession at the time of the incident, as I told Chase. On XX/XX/XXXX I called Chase and disputed the charges. They started the dispute process by canceling the cards and removing the amounts from my statement. I should add here that I have disputed perhaps XXXX charges over the last XXXX years. On XX/XX/XXXX, I filed a Police Report with the XXXX XXXX XXXX 's ( number XXXX ) and wrote a letter to XXXX asking if the purchaser had used a fraudulent ID to support the purchase ( I was afraid that they had a fake ID ). I never got an answer. I then called the XXXX Police ( where the mall is located ) and made a similar report ( number XXXX ) About XXXX month later, the {$15000.00} was back on my account as a balance due, and Chase sent me a letter saying that they had determined that the charges were " authorized ''. I called them and someone said that I needed to better " substantiate '' my dispute ( this was the first time they asked me to provide any documentation ) so I sent them the Police Report and the letter to XXXX. I received another letter saying that they reviewed the case and they had again determined that the charges were " authorized '' and the case was closed! Well, I called back and demanded to talk to the fraud team. On XX/XX/XXXX ( XXXX months after the incident ) woman investigating ( XXXX XXXX XXXX said that they were not convinced that I did not make these purchases and insisted that I go to the XXXX XXXX store to " get video or images '' of the person who made these purchases. I told her that it was highly unlikely that they would give me any such images or videos, and pointed out to her that they, as Chase XXXX, had a close working commercial relationship with XXXX XXXX, and they should be the ones responsible for making this inquiry. She said that XXXX always refuses to provide Chase with that sort of support so she was asking me to do this myself. I called the XXXX XXXX department and spoke with a detective who said he would try to investigate, but because the store falls within the jurisdiction of XXXX, he can only try to coordinate this on my behalf. He said that because I filed a police report, it was under the " investigation of law enforcement officials '' and that I should not go down and make contact with the store, or anyone else for that matter other than the police and XXXX XXXX I told XXXX at Chase of all of these details and sent her an email XXXX weeks ago that copied the XXXX law enforcement agencies to try to get them to coordinate their efforts. In the email, I openly acknowledged my understanding that filing a false police report is a crime in itself. But, even that step alone failed to exonerate me. I should add here that the XXXX police officers that I spoke with have said that they have never in all their years seen a credit card company handle this in such a dubious manner. And I have XXXX credit cards with Chase and XXXX credit rating I recently sent Chase/Fraud XXXX XXXX XXXX that they remove the {$15000.00} and accrued interest and move quickly to close this case
Company Response:
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
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: I paid {$160.00} fee for extra piece of luggage for my wife. She was traveling from XXXX, XXXX to Washington DC on XX/XX/22. I paid {$160.00} online. When she checked in, she was told that they " could not see " the charge of {$160.00} I paid at their end. So she paid another {$160.00} for the extra piece of luggage she was carrying. She also paid for another piece of luggage. So I was charged THREE times for 2 pieces of luggage. I contacted XXXX XXXX. They refused to give me credit. I contacted the credit card. They claim the charge is " valid '' and declined to issue me credit. I provided them with my wife ticket number so they can check how many pieces of luggage she traveled with. Still they declined to issue me credit. Please find copy of my statement where I highlighted the 3 charges. you can see 1 was online and 2 were in person. Also I attaching a copy of the credit card response and my letter to them. thank you in advance.
Company Response:
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Chase back has raised the interest rate for my account from 22 % APR to an astonishing 25 % APR. In my current situation, the 22 % APR was barely manageable. Chase failed to disclose this interest by means of notification. I log into my account to budget payments and saw the change. I called chase and they offered to send me a letter stating the increase. I stated the letter should have been sent before the increase, a letter now is useless since they made the change. I spoke with a supervisor and request a lower interest rate since the 25 % is ludicrous. He said that the rate was tied to the fed increase in interest rate. I find this to be faulty logic since my account is with Chase not with the Fed. I understand that the Fed increase will hurt their business but that does not mean that can raise my interest rate with out any notification. My next steps is to transfer the balance to a low interest rate credit card that will be manageable. I would for Chase to admit their mistake, stop this practice, and offer a monetary compensation for my frustration. For nearly 8 years I was their customer and made all payments on times. I accepted the interest fee on my accounts as part of the agreement I made. It is unacceptable for them to raise my fees with out so much of the courtesy to notify me, yet they always send emails for me to transfer balance at 0 % or to use the card at certain stores.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX NA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. JPMCB CARD HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. XXXX XXXX XXXX XXXX dealer gave me multiple inquiries for XXXX application. XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2022 : My wife and I were in the process of selling a piece of furniture to someone through XXXX XXXX and the buyer requested to make a payment early to reserve the item. The buyer suggested using XXXX and, since we've used in the past, we opt 'd in. Upon exchanging information with the buyer, my wife received an email from XXXX outlining a validation process requiring us to send money since our XXXX account has not been used for a while. This email raised some red flags and we immediately contacted Chase customer support using the number on the back of our debit card. The Chase customer service representative was familiar with the process we described and advised us to follow the process outlined in the email. Although strange, we trusted what the customer support rep had to say and proceeded to send {$200.00} for verification. Almost immediately, we realized this was a scam and called the Chase customer support line again. After going through all of the details over the phone, the customer support rep said there was nothing they could do because the transfer was made through XXXX XXXX confirmed by the escalations manager as well ). They filed a report and " curtesy request '' to recover the funds, but advised that there are no guarantees. The customer support agent apologized on behalf of the other agent who originally told us to follow the process, but confirmed that there was no way to rectify the situation- we are now at a {$200.00} loss and left with little trust in the financial institution we've been banking with for several years.
Company Response:
State: AZ
Zip: 85756
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A