Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an XXXX account and had some items in my shopping cart in the amount of {$200.00} that I was in the process of completing my order later on. As soon as I clicked on the item I got a prompt from XXXX offering me to pay {$59.00} right now and I will get {$150.00} if I apply for their XXXX credit card through Chase Bank without affecting my credit. This was supposed to be a pre-approval credit with a soft pull, but instead they pulled my credit with a hard inquiry. I immediately received an email from XXXX that there was a hard inquiry on my credit report that caused my credit score to drop by XXXX points right after I was denied. They lured customers to get their credit cards by misleading them and lying to them they will not run your credit, but instead they do. I didn't even need the card, I accepted their offer because of the reward. I can not afford to have hard inquiries on my credit report because I'm trying to repair it right now. I just found out they also have another bank by the name of " XXXX '' that they are using to do the same thing. I have attached an attachment. Thank you
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made a payment to my chase credit card from my Chase checking account. The funds are not available either in a checking or Credit card account. There is no eta was given to access my funds of XXXX XXXX
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To whom it may concern : I, XXXX XXXX, am writing this letter to lodge a formal complaint against Chase Auto Finance. For five years, Chase Auto Finance has refused to pay me over XXXX XXXX dollars : On XX/XX/XXXX, I received a loan from Chase Auto Finance ( herein referred to as Chase ) to purchase a XXXX XXXX XXXX. The total loan amount was {$62000.00}. Because the vehicle would be purchased out of state, the loan was to be disbursed in the form of two checks, one to the dealership for {$59000.00}, and the other, for tax and title, to the XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I received the check for the dealership but never received the check for the tax. After about 3 months of calling Chase trying to get the second check from them, I was forced to pay the tax myself, as my temporary registration had expired. Even after I paid the tax myself, I continued to contact them via their phone support. Over the next 6 months, I was told multiple times that my issue would be resolved and that a credit for the amount would be applied to my account. Believing that the issue had been resolved and that my balance had been adjusted to reflect the correction, I stopped contacting them. Starting in XXXX of XXXX, when my loan had approximately 5 payments left, I realized that absolutely nothing had been resolved and no credit had ever been applied. I started contacting their phone support again. Each time I call, I am once again told that my case will be resolved within a few business days or to call back in a few days or that a representative from Chase would contact me. Each time I talk to them, they request proof of sales tax payment, which I have sent three times now, via fax and email. I don't see why they need proof that I paid my own taxes, when they never sent me the check for the tax. They have also requested a copy of the vehicle title, which I have sent multiple times as well. Again, I don't see how a copy of the title would help them pay money they owe me. On every single call, I am assured that my case will be escalated and that the matter will be resolved within a few business days. After no less than six, thirty-minute to one-hour phone calls in the last 3 months, as well as countless other phone calls earlier on, the issue has still not been resolved and now I am receiving threatening letters from Chase stating that my account is past due, that my vehicle will be subject to repossession, and presumably that my credit score may be affected. My frustration with Chase can not be overstated. After 5 years and countless opportunities to address this situation, I feel that this is at the very least a violation of banking regulations and at most illegal and fraudulent.
Company Response:
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I received a text message pretending to be J.P Morgan asking if I made an absurd purchase that I did not recognize. I responded to the text with " No ''. They proceeded to call me right away, pretending to be Chase bank agent. They already had some of my personal information to gain my trust, then proceeded to tell me that my debit card has been compromised and must make a new one. This happened in a very unfortunate timing, because a few weeks prior to this event, my debit card was ACTUALLY hacked and there were multiple attempts of using my funds in absurd places like XXXX. So I had a real Chase agent help me get a brand new debit card on XX/XX/2022. Also beginning of the same month, my XXXX account was also hacked where my card and personal information was compromised and I believe it was the beginning of this huge downfall. Fast forward back to XX/XX/2022, the scammer successfully pretended to fix my debit card issue. And then he recommended that I also create a new account to be more safe. At this point, from my perspective, this was my 3rd time getting hacked in less than a month! Therefore I was in a very vulnerable mental state. So I trusted everything he said and followed his directions. He texted me a FAKE Chase website link ( XXXX XXXX XXXX XXXX XXXX ) where he made me log in and give him the security code so that he can access my account. Then basically I was fully manipulated into wire-transfer all my funds to this " new account '' he created for me- which obviously was a lie- it was to a 3rd party bank. Most likely the scammer 's alias bank account. On XX/XX/2022 I began suspecting that I might have gotten scammed since there was no " new account '' created under my Chase account nor the funds came back. After hours of speaking with actual Chase bank agents, I was able to at least submit an identity theft claim. They told me to wait at least 9 days as they investigate. As of XX/XX/2022, today, I just got off the phone with Chase telling me that their attempt to get my money back was futile and unsuccessful and that there is nothing else that they can do. So I am left with no help other than going to the police. So this is my attempt at bringing justice back into my life by writing this to whomever it may concern. Life has been tough, and I finally made some money doing good work just to lose them to a scammer... There must be a way to investigate further and track down this criminal.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company has no reason to pull my credit report in order to apply executive actions - You misused my report in XXXX & XXXX
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase closed my account, after I transferred money from an account that I am a writer on, to my Chase account. They said it was fraudulent. XXXX XXXX XXXX XXXX XXXX said I had every right to transfer the money out of the account, to the Chase Account.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Money was not available when promised
Subissue:
Consumer Complaint: 1. I scheduled an international wire transfer on Friday, XX/XX/XXXX thru online banking account provided by JP Morgan Chase website in the amount of {$1000.00} ( XXXX XXXX XXXX dollars ) with a promise the funds will be available to pick up on XX/XX/XXXX. 2. The transaction was posted on XX/XX/XXXX as bank statement shows and transfer fee of {$40.00} ( XXXX XXXX dollars ) was taken. 3. Receiver did not receive funds and visited bank-recipient in person at the end of XXXX. 4. Bank-recipient confirmed that the transfer is not received and sender should contact bank-sender. 5. My first attempt to resolve the issue was made by phone at the end of XXXX ( do not remeber the exact day ). Customer service representative said that they will start an investigation and will let me know about results in a few business days. 6. In about 10 calendar days, on XX/XX/XXXX I filed an inquiry thru secure message center by online banking account. 7. On XX/XX/XXXX I got an update for my inquiry saying that Chase received a massage from XXXX stating unable to apply the transfer as beneficiary account is closed and money on the way back. 8. On XX/XX/XXXX I got a message from Chase where the bank informs me that they will be trying to send money again and it may take up to 90 days. 9. In XXXX I received a response on paper from Chase by mailing address which says that the transaction is complete, Chase will not return the money or send it again and bank will not do any further actions. 10. I made another inquiry thru secure message center on XX/XX/XXXX and explained that money is still not received. At the same time I also made an official request by online form to bank-recipient and ask to provide as much information as they can about the transfer. 11. I got a response from bank-recipient quickly where they confirmed : - Chase contacted bank-recipient on XX/XX/XXXX - Chase was provided all information needed about bank-correspondent ( it was NOT XXXX ) - XXXX stopped working as a bank-correspondent with the bank-recipient in XXXX, XXXX - either the bank-recipient or the bank-correspondent did NOT received the transfer 12. I made a certified and notarized translation of the response because it was not provided in XXXX. 13. I made a final attempt to resolve the problem with Chase in XXXX by filing another inquiry and explaining the situation after I received the response from the bank-recipient. Chase answered that they already made a final decision and will not do any further actions. In conclusion : 1. Chase originally sent the funds to a wrong bank-correspondent. 2. After they realised their mistake by getting a message from XXXX, thay tried to send money again correctly but at that time the bank-recipient stopped working with any transfers nominated in XXXX dollars ( checked attached newsletter ), so Chase was NOT able to finish the transaction successfully. 3. JP Morgan Chase Bank HAS STOLEN MY MONEY!
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, United States. Phone Number : XXXX XXXX XXXX. Everytime everyday try to use chase it is shut off after XXXX chargers. Declined everyday everycharge harassed with XXXX follow up calls to update everycharge as valued or not. Ftraud alert on every cjharge everyday shout down. Use credit to survive in hard times. I am XXXX on very low inciome. Shut new o nes in mail.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
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/2002, a group of 4 of us had a light lunch at a neighborhood diner in XXXX XXXX. We paid with my Chase sapphire reserve credit card for XXXX euro and change for the meal. When we came back to US in XXXX, I found out that there was an additional {$500.00} Euro charge to the card by the same business at exactly the same time the meal cost was charged. I called Chase to report the fraud in XXXX. According the specialist in Chase, this issue is classified as dispute, not fraud in Chase ' definition, because my card was actually at the hand of the people who charged the XXXX Euro at the time that happened, it's just that I did not receive the actual service. They also mailed me a so-called receipt from the party who made the XXXX Euro charge, which as a fake signature that has no any resemblance to my name. I repeatedly argued with them that I have no clue the charge, let alone any so-called services related to the charge. But Chase for 3 times declared that they found there was no error for the charge and the transaction was valid. And because it's not a fraud in Chase ' term, I could not even talk about fraud protection.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Friday XX/XX/XXXX at XXXXXXXX XXXX I received a test that someone was trying to charge my account for {$360.00} at XXXX 's. It stated " XXXX XXXX XXXX suspicious activity. Did you attempt? Reply yes or no. To opt out of reply stop ''. I text back " NO ''. I then received a phone call from a man claiming to be from Chase asking me about this transaction. He told me to sign on and check my account. He knew my username and needed my password to get into my account. I signed on with my password and saw that my savings account had been emptied and all the money was in my checking account. He told me that I needed to do a transfer to get the money back into my savings account. He walked me through a wire transfer ( {$4100.00} ), my name appeared on the transfer, so I thought it was okay because saw my name, I immediately contacted Chase and was told that I needed to send a secured message to them. I could not get t '' been transferred around to 3 different people and no one could help me to get signed on to send a secure message. I was told to try back in an hour! In the mean time, they money was transferred to something called " XXXX XXXX XXXX ''. I had hoped to stop this transfer, but it was too late. I finally got signed in and sent a secured message to which i received a response that they received my message. 's THe scammer was very familiar with the Chase screens. I have XXXX XXXX XXXX and needed this money to pay for XXXX XXXX I told chase this the XXXX time I called them and that is why I needed to speak with someone right away who could stop the transaction. I was again that this was understood, but there was no one who could stop the transaction available.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A